Surgeons are the most accident-prone drivers

1st September 2014

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Surgeons may be best placed to save your life on the operating table, but they are the most accident-prone professionals you are likely to encounter on the road, according to new car insurance data.

Healthcare workers dominated the list of the professionals who made the highest number of claims for accidents where they were at fault. Surgeons were followed by GPs, health visitors and hospital consultants, figures from price comparison website MoneySuperMarket.com reveal.

Next down the list were clinical psychologists, psychotherapists, probation officers, district nurses, dentists and community nurses, the study found.

Kevin Pratt, car insurance expert at MoneySupermarket.com, says: “It is really interesting to see how much one industry dominates the top ten claims table – it seems those who have the responsibility of saving our lives and caring for our health are the most accident prone drivers.

“There is no doubt that surgeons, GPs and health visitors are all stressful jobs, so lack of time or tiredness could mean that these drivers are more likely to make an ‘at fault’ claim.”

By contrast, building society clerks and other types of administration workers were the least likely to make a claim for an accident where they were at fault.

Pratt adds: “Being involved in an accident, no matter how minor, whether you’re at fault or not, can be a traumatic and costly experience.

“Our research shows the average claim value for an ‘at fault’ accident is nearly £3,000 and claiming for either ‘not at fault’ or ‘at fault’ accidents will drive up annual premiums, typically adding around £33 on average.”

Car insurers take into account your profession when setting your premium as a way to determine the risk you pose.

You should never lie about your occupation on your application form, but there are different ways of classifying similar jobs in order to get the best price.

For example, a creative director who listed herself as a marketing manager, which was still an accurate description of her role, was able to make a saving of over £300 on her premium.

Likewise, if you are a photographer, there may be differences in your premium depending on whether you say you specialise in weddings or not. To find out the most cost-effective way to describe your job, try this tool on MoneySavingExpert.com.

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