Drivers across the UK are being encouraged to reconsider how they describe their profession when completing car insurance forms.
A simple change could save them hundreds of pounds. According to YouTuber Mick Drives Guys, simply rewording your job title could cut insurance costs by as much as 25%.
The advice comes as premiums continue to soar, particularly for younger or first-time drivers. “This one is really good,” Mick said in a recent video. “It can really work for literally anybody that’s looking to insure a car, it doesn’t have to be the young driver. That is to rephrase your job.”
Mick explained how he personally saved money by slightly altering his title. “So, say for example, there was a while back, I was an Operations Manager, I worked for a tech company,” he said.
Mick continues: “So what I did, rather than putting down Operations Manager Tech, which had really high insurance premiums for whatever reason, I guess tech guys crash cars, I changed it to Operations Manager Computer Services.”
The result? A surprising drop in his premium. “For whatever reason, I remember that reduced my insurance premium by like 25%,” Mick added. “I think it went down from 1.6 to 1.2, a huge saving for no reason.”
While the job was the same, the terminology made all the difference. “Tech and computer services are the same thing, but people just put down tech and miss out on huge savings on their car insurance,” he explained.
The money-saving tip has also been backed by comparison experts at USwitch. “You could use a different title for your job to lower the cost,” the platform said. “A journalist could be a writer, for example, while a researcher could also be an analyst.”
USwitch added that there’s no one-size-fits-all solution, and some trial and error may be required. “It’s all a bit of trial and error here, though, especially as all insurers have their own definitions of professions,” they advised.
In the same video, Mick urged viewers to pay attention to all the little ways they could save. “If you’re tired of spending a ton of money on car insurance, then this video is a must-watch!” he said. “We’ll dive into all the tips and tricks you need to get those rates down.”
He added that the advice isn’t just for beginners. “If you’re a new driver, you’ll wanna pay close attention,” he said. “And for you driving pros, don’t worry, we’ve got some advanced hacks to help you cut costs too.”
One grateful viewer shared their own experience after trying out the method. “I just applied for my first year’s insurance on a 2014 Fiesta Ecoboost,” they said. “Up in Liverpool, Mum as a named driver, 5000 miles a year, full comp, excess £850, managed to get it down to £1500.”
They’d previously been quoted an eye-watering £4500 for living in South London. “Imagine saving £400 a month to go towards car insurance on top of the cost of rent, bills, food?” they said. “I picked an excellent time to finally pass my test lol.”
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