Login Menu

Car Insurance for Doctors

Compare Cheap Car Insurance Quotes for Doctors

  • Compare 110+ providers & save up to £262*
  • Access Cashback & Rewards
  • 97% of reviewers recommend us

Don’t have your registration number? No problem, click here.

Search and compare cheap quotes from over 110 UK insurance providers, including

Car Insurance
Car Insurance
Car Insurance
Hastings
Car Insurance
Admiral
Car Insurance
Home Insurance
Car Insurance
Budget Insurance
GoSkippy

Looking for cheaper insurance?

search

Search over 110 different car insurance providers

Quotezone increases your chance of finding a great deal by searching the market for you.

phone

Buy online or by phone

Purchase your car policy quickly and easily, monthly and annual payment options available.

time-money

You could save time and money

Get your quotes by filling in one simple form, compare prices, and start saving.

person

Over three million users

Join our ever-growing list of satisfied customers today.

secure

Norton secured

Our quote form uses 128-bit SSL encryption for your peace of mind.

scales

Independent and unbiased service

We aren’t owned by or have any investment from any insurance company.

What people have to say about us

The quote l got was the cheapest on all the comparison websites

kalbinder

I used other sites to get a car insurance. Quotezone was by far the best. I took a car insurance with an insurance company that they suggested. Since then I had an accident and the insurance company was great and I am very happy with them. To summaries I got a great deal from the financial aspects and also from the customer services aspects. I have already recommended Quotezone to a number of friends and as far as I know two of them have insured their cars via them.

Dariush

4.89/5 from 38 customer reviews

Car Insurance for Doctors – Compare Cheap Quotes

You’re probably aware of the fact that most car insurance providers ask for your occupation when you’re comparing quotes or signing up for a new policy, and they ask for that information because it’s one of the variables that are used to calculate your car insurance premiums.


The reason they take your job title into account is that insurance claims data suggests that people in certain occupations have a lower risk of claiming on their insurance for an at-fault accident, and people in some occupations are also less likely to have their licences endorsed with penalty points or receive driving convictions.

The net result is that your occupation can have a surprisingly large impact on the cost of your car insurance, even when all other factors remain the same.

For instance, car insurance for unemployed people costs 30% more, on average, than a comparable policy might cost someone else because insurance claims data suggests unemployed drivers are higher risk, while nurses, teachers, and police officers all benefit from lower average premiums than many other motorists because they are seen as lower risk.

If you are an NHS doctor, a GP or a doctor in a private medical facility the good news is your occupation could work in your favour when it comes to car insurance premiums, because doctors do benefit from cheaper average quotes than drivers in many other professions.

Compare car insurance for doctors
Why is car insurance for doctors cheaper than for some other professions?

Every variable an insurance provider takes into consideration when calculating insurance premiums is intended to help them assess the risk profile of that particular policyholder.

But not all of those variables relate to the individual’s own driving record – some of them are based on averages across a specific demographic, and a driver’s occupation is one of those demographic-based variables.

Since insurance claims data indicates that motorists in certain professions are more likely to make an at-fault insurance claim, while drivers in other professions are less likely, insurance providers will often adjust premiums accordingly.

Of course, insurers use a wide range of other variables when calculating premiums too. Where you live, the crime rate in your area, your driving record and the size of your No Claims Discount, your criminal record, the make and model of car you drive, where you park the car during the day and overnight, and the level of coverage you’d like to take out can all influence the cost of car insurance for doctors.

A driver’s gender used to be used in the insurance premium calculation too, with car insurance for women typically costing less than car insurance for men in the past, but the introduction of the EU Gender Directive in 2012 means gender is no longer a factor.

What steps can I take to reduce my premium if I’m not offered cheap car insurance for doctors?

Doctors’ car insurance premiums are higher, on average, than the premiums nurses are often offered, but car insurance for doctors is still cheaper than people in many other professions pay.

If you are a doctor and you aren’t seeing these cheaper premiums yourself, though, there are a few steps you can take to help increase your odds of finding better car insurance deals.

First and foremost, shop around for the best prices rather than accepting your existing provider’s renewal quote, because it’s usually possible to find a better deal when you compare quotes from a wide range of providers.

Beyond that, taking the following steps might help to reduce your premium too:

  • Adding a more experienced motorist to the policy as a ‘named driver’ – If you’re a relatively young doctor and you haven’t built up a sizable No Claims Bonus yet it might be worth adding a more experienced motorist to your policy as a ‘named driver’, because doing so can sometimes help to lower your premium.
  • Opting for a telematics insurance policy – Again, this might be a more suitable option if you’re a first time driver, but if you do sign up for a telematics insurance policy (or a black box policy, as it’s more commonly known) you could benefit from cheaper insurance.
  • Parking your car off the road when you aren’t driving it – Cars that are parked off the road have a lower risk of being side-swiped by a passing car or targeted by thieves.
  • Taking an advanced driving test (such as the ‘Pass Plus’ or ‘RoSPA Advanced Drivers and Riders’ test) – It’s not a universal rule, but some insurance companies might offer you a lower premium because these courses can help to prove that you’re a safety-conscious driver.

*51% of consumers could save £262.01 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next three cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from May 2021 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

Car Insurance Comparison