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Car insurance for teachers

Whether a prince or a pauper, anyone who wants to drive a motor vehicle on a public highway in the United Kingdom, must have the appropriate car insurance. Insurance companies will offer a variety of policies to meet your need, including ones that relate to your particular occupation. Teachers, along with other professionals, like police officers and doctors are able to source car insurance that caters for their specific circumstances.

Teachers’ car insurance – what is it?

There is a vast range of national statistical data that insurance companies draw upon, to assess the risk any particular driver presents when seeking to insure their car. Teachers’ car insurance, offers those who are employed as a teacher, in a school, college, university or similar institution, the opportunity to benefit from the reduced risk their profession presents behind the wheel.

Why do I need teachers’ car insurance?

If you work as a teacher, it is a no brainer to take advantage of teacher car insurance, to benefit from a more competitive premium than insurance policies that take less account of profession.

How will being a teacher affect my car insurance?

Car insurance providers consult national statistics on the risks that all professions present when behind a car steering wheel. Those occupations which depend upon, caring and responsible qualities, like NHS staff, are considered to be less likely to drive irresponsibly.

Teachers are imbued with the welfare of their pupils, not only educationally, but also emotionally, and demonstrate statistically that they are less likely to be involved in a traffic accident than say a construction worker. Highlighting your teaching profession will work in your favour when seeking the most affordable car insurance premium.

How much does car insurance for teachers cost?

Although car insurers will take an individual occupation into account when assessing their policy, there are other factors that they will consider as well. The age of the applicant, their driving history, where they live and/or garage their vehicle and of course, the type of cover they want, will all affect the price.

Third party cover may be cheaper, with or without a fire and theft element, than fully comprehensive car insurance. However, it will definitely stand you in good stead if you underline that you are a member of the teaching profession when it comes to the cost of your policy.

Does where I teach make a difference to my car insurance?

Statistically, there is always a greater likelihood of car incidents where there is a higher volume of traffic, therefore if you are in a rural location, whatever your profession, your car insurance policy is likely to be more favourable. As a teacher, if you live and work in a bustling city centre, with all the accompanying risks of traffic and perhaps even vandalism, your policy may be affected. However, if where you live and where your car is parked or garaged, is known to be safe and secure and risk averse, you are unlikely to be penalised.