Martin Lewis’ MoneySavingExpert website has explained how you could save up to £100 on your car insurance by legitimately tweaking your job title.
Your job is one of the factors insurance providers will use to calculate the cost of your premium.
Most of the time, you’ll need to pick which best describes your occupation from a list of pre-set job titles.
If there is more than one title that could accurately be applied to what you do, it’s worth checking if one description will give you a cheaper quote.
Of course, you can’t outright lie about your job title as you could risk being accused of fraud and having your insurance invalidated.
Have you managed to save a load of money on your car insurance? Let us know: firstname.lastname@example.org
But if you can legitimately use another description for your job, and it works out cheaper, it could save you money in the long run.
For example, MoneySavingExpert heard from one person who said they saved £100 by saying they worked in “software” instead of “computer games”.
Writing in their weekly newsletter, MSE writers said: “You can’t claim to be a barrister if you’re a barista (or vice versa) but clever savings are possible with small tweaks.
“Our fun job picker tool can help and explains what’s legit and what’s not.”
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How do I check if I can make a saving?
MoneySavingExpert has a “job picker” tool where you can check various roles to see which comes out cheaper.
It works by entering the amount you usually pay yearly for your car insurance, followed by your job title.
The website will then bring up a list of job titles that could apply to your sector, along with a typical amount that someone could pay.
Again, the job titles it lists aren’t necessarily ones that will definitely apply to you – it’ll be down to you to check which one could reasonably be used to describe what you do for a living.
If you’re unsure, speak to your car insurer – particularly if you have two jobs, as some companies will want you to choose the occupation that takes up most of your time.
There are plenty of other ways to lower your car insurance too.
For example, Money Saving Expert has also explained how the cheapest time to buy your insurance is 23 days before it is due.