Overview

• Show Plates World says selecting a truthful, lower-risk occupation from insurers’ dropdown lists can reduce annual premiums by about £310.
• ONS figures highlight the pressure on costs, with motor insurance up more than 81% over a decade and a typical 18-year-old paying £2,342 a year.
• Insurers use historical claims data to price risk by occupation, with jobs such as delivery drivers, journalists and chefs costing more than administrative roles.
• Coverage warns that misrepresenting a job can invalidate a policy, and insurers may verify employment details during claims and refuse payouts for deliberate misdescription.
• Drivers with multiple accurate job titles are encouraged to test quotes using comparison sites and pick the description that best reflects their duties at the lowest price.