**Motorists Advised to Use a Simple Tactic to Save Up to 25% on Car Insurance Premiums**
A widely shared piece of advice is making waves amongst UK drivers: by simply altering the way you describe your occupation on your car insurance forms, you could potentially cut as much as 25% off your annual premium. The revelation comes from YouTube personality ‘Mick Drives Guys’, who has built a following by sharing practical driving and motoring tips to his nearly 200,000 subscribers.
Mick recently highlighted what he deems one of the most overlooked insurance hacks currently available. “This one is really good and it’s so simple, but it really can work for anyone looking to insure a car,” Mick explained in a recent online video. “It’s not only for young drivers struggling with sky-high rates. The trick is: rephrase your job title.”
He shared a personal anecdote to illustrate just how significant the savings can be. Mick recounted how, during his tenure as an Operations Manager for a technology company, he received very steep car insurance quotes when listing his occupation as “Operations Manager – Tech”. By simply changing the job description to “Operations Manager – Computer Services”, he saw his premium drop by an impressive 25%. “I changed it to Operations Manager Computer Services and for whatever reason, I remember that reduced my insurance premium by like 25%,” he explained.
He continued, “Tech and computer services essentially mean the same thing in my role, but insurers seem to rate ‘tech’ jobs as much higher risk. Just that small tweak dropped my bill from about £1,600 to £1,200 — a huge saving for almost no difference.”
Mick’s tip is supported by well-known comparison website USwitch, which encourages motorists to experiment with job titles that accurately reflect their roles, but may not be among the higher-risk terms used by insurance companies. “A journalist could consider using ‘writer’ as their title, while a ‘researcher’ might be better off entering ‘analyst’,” states a spokesperson for the price comparison website. Such subtle changes can have a surprisingly large impact when insurance providers calculate risk and set premiums.
The cost of car insurance has become a sore point for many drivers across the UK, particularly younger and first-time motorists, who often find themselves quoted eye-watering rates. In his video, Mick explained, “We know how expensive it can be when you’re just starting out.” He also hinted at additional tips for more experienced drivers keen to trim their annual motoring expenses.
This creative approach has resonated with motorists navigating an insurance market in which personal factors — from postcode to age and now, it seems, even the precise wording of a job title — can make or break the affordability of cover. One driver, sharing his experience with Birmingham Live, said: “I just applied for my first year’s insurance on a 2014 Fiesta Ecoboost. I’m 28 and living in the north, but was going to move to London. My friend checked a quote for me in South London — a nice, quiet area — and it was about £4,500! Up in Liverpool, with my mum as a named driver, for 5,000 miles annually and a sizeable excess, I got it down to £1,500. Still a lot, but at least manageable for my budget.”
The anecdote underlines the enormous variability in UK car insurance pricing, dependent on a multitude of factors — but also highlights how searching for savings, even in unexpected places like employment details, is now more relevant than ever.
Consumer advocates warn, however, that job descriptions on insurance forms must remain honest and accurate. Deliberately misleading your insurer could invalidate your policy or result in claims being refused. Yet, as Mick and many comparison sites point out, there is usually a spectrum of appropriate, truthful titles available for most professions.
With premiums on a steady upward trend and household budgets squeezed, drivers will no doubt continue to hunt for any advantage they can get. From experimenting with employment details to shopping around on a range of comparison websites, being proactive and paying attention to the finer details is more essential than ever for British motorists. As this trend grows, it may prompt the insurance industry to review how it calculates job-based risk profiles — but for now, a careful choice of words could be the simplest route to significant savings.