What you do for a living can push your motor insurance costs up, with new research by Confused.com highlighting that occupation can make a huge difference to the premium you pay.
The study found that the highest premiums are charged to owners of mobile discos.
Those with this occupation face a typical annual cost for comprehensive cover of more than £6,800 - almost eight times the national average of £857.
The priciest professions
Second in the list were apprentice professional footballers, paying an average annual cost of £6,264 for comprehensive cover.
Also in the top 10 most expensive professions to insure were diplomatic staff (£4,088 a year), footballers (£3,993), nightclub owners (£3,841) and students (around £3,000, depending on whether they are at school or college).
It is widely known that age and gender have a strong bearing on the cost of motor cover, with young men generally facing the highest insurance prices at the moment because statistics suggest they are the most likely to have accidents and make claims.
This helps explain why apprentice footballers appear so high on the list.
But it is not such common knowledge that your job can have a large impact on the cost of cover.
Gareth Kloet, head of car insurance at Confused.com, says: “Your profession can significantly affect your insurance cost so if you change jobs it’s worth letting your insurer know.
"Contributing factors will include the type of car you choose to drive, the average age of people with that profession and of course your claims history as a driver.”
Occupations with the cheapest cover
At the other end of the scale, Confused.com also analysed quote data to see which professions were given the lowest insurance prices.
Airline captains appear to get the best deals with a typical annual premium of just £321.
Other occupations with typical premiums under £400 are china restorers, toymakers, travel guide writers and guest-house owners.
From the jobs at either end of the scale, it is clear that insurers charge higher premiums for those customers who are more likely to have accidents (young men or those who do more driving at nights), or whose accidents would lead to expensive claims.
A professional footballer, for example, would make a much higher than average claim for loss of earnings as the result of any collision.
On the other hand, professions which require a more responsible approach to safety, such as pilots or where driving is a less important part of the job, face much lower costs.
Could your profession become more important?
What you do for a living could become even more important when new rules come in next year that will ban insurers from using gender as a guide to premium levels.
From 21 December 2012, European law will stop insurance firms charging different prices on the basis of sex.
This will only make them more likely to look at other factors, including occupation, when it comes to deciding how much customers should pay for cover. Read more about this ruling.
Note: Research based on Confused.com motor insurance quotations made during the last 12 months.