Iggy Pop's recent foray into the financial services industry (taking the form of a Swiftcover advertising campaign) may have revealed something about the decline of rock and roll's cultural integrity. However it has also highlighted something else, the implications your job can have on your car insurance.
The advert in question involves Mr Pop cavorting around and generally revelling in having insurance with the company. But at the time the advert was originally aired they would not be able to cover him. Why? Because he's a musician.
As a result the ad didn't only cause raise eyebrows among Iggy's legion of fans, the Advertising Standards Authority also had to get involved, forbidding the company from showing it again in the existing format.
But this restriction against musicians is not an unusual one in the insurance industry. Being a musician is one the occupations that's placed fairly high on the insurer's risk scale.
There may not be an obvious connection between occupation and car insurance, but along with post-code, age and gender it is one of the rating factors on the car insurance risk assessment. An insurer typically gauges the risk of a driver in terms of where the car is likely to be parked, what times it is likely to be driven and how the car is likely to be used in regards to the driver's job.
In the case of musicians, they are deemed high-risk as they might have high claims for loss of future earnings if they are injured. Insurers would deem other high-risk occupations to be particularly stressful and involve a lot of time spent on mobile phones or behind the wheel. Premiership Footballers are another example of those who rank highly on the risk scale, since they are constantly in the public eye and could be targeted by rival fans on the way to training matches.
These are not the type of issues that most of us have to deal with on a day-to-day basis. So in what way can we expect our jobs to affect our premiums? The good news is that if any of the following apply to your job, the chances are your premium should be considerably lower than Iggy Pop and Stephen Gerrard's:
1) You have a low stress occupation.
2) The safety of others is a key part of your job and training.
3) Your occupation means you often take public transport.
4) Your job is considered to be very meticulous, which is deemed to affect your driving habits.
At the end of the day most people aren't going to change their job to lower their car insurance, so it's really a case of finding cover that adequately covers your needs and situation. And if you're a musician, like Iggy, finding it tough to get insurance? Well, he's proof that there are alternative ways to earn a living!
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1 komentar:
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