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It’s a fair cop! Police pay lowest insurance premiums

Members of the police force pay cheaper car insurance premiums than any other profession when they are insuring their personal vehicles, according to new data released by a leading motoring insurance website.

Quotezone.co.uk, one of the UK’s leading insurance comparison websites, found annual premiums for police professionals came in at an average of £489, followed by ministers of religion, £547, and driving instructors, £591.

The analysis is based on a sample of over 800,000 car insurance policies compiled from across the UK during 2020.

At the other end of the scale from police professionals, hospitality staff copped the highest average insurance premiums, with restaurant managers paying an average of £968, restaurateurs, £934, and bar staff, £964.

Responding to the data, Quotezone.co.uk Founder Greg Wilson comments:

“Your occupation is just one of the variables that go into an insurance provider’s premium calculation, but it is an important one. 

“It’s probably not surprising that police professionals and driving instructors benefit from some of the cheapest car insurance premiums when they’re insuring their own vehicles, because people who either teach the rules of the road or uphold them, are perhaps more likely to comply with those rules and regulations themselves.

“But whatever your occupation happens to be, it’s clear that your job title can have a significant impact on your car insurance premium. Given how many people have changed jobs recently and the fact that many may be thinking about doing so as we begin a new year, it’s worth stressing that policyholders have an obligation to inform their car insurance providers if there has been a material change to their policy details, such as job title.

It’s also worth bearing in mind that smaller changes to the way people work can sometimes affect the premium too. For example, if policyholders now work from home, parking their car on a private driveway, not using their car for business use or the commuter journey could potentially result in a reduced premium.”

Recommended by 97% of reviewers, Quotezone.co.uk helps around 3 million users every year, with over 400 insurance brands across 60 different products including niche items such as tradesman insurance, driving school insurance and farm vehicle insurance.


This article is intended as generic information only and is not intended to apply to anybody’s specific circumstances, demands or needs. The views expressed are not intended to provide any financial service or to give any recommendation or advice. Products and services are only mentioned for illustrative rather than promotional purposes.