Car insurance renewal 300% difference in quotes.

jon2012

My 18 year old son will have 1 years no claims next month on his 1.25 fiesta.
He will not know until he receives his A level results next month if he will carry on being a student or go into full time employment with a job offer he has received.
The insurance quotes for a student with many insurance companies including Admiral are coming out around the £800 mark.
If he goes into full time employment and enters a job title the insurance shoots up to around £2400.
I though student car insurance was more expensive but these quotes contradict this and a 300% increase is ridiculous.
Has anyone else has this issue and found a legal way around it or have an explanation for the premium difference.

Thanks in advance.

keith1950

I hope when you did these dummy quotes you did so anonymously?.
If insurers think you are playing around with "occupation" it will eventually be flagged up as fraudulent.

Quentin

Different occupations affect premiums differently


See the MSE job picker tool to see if changing the title will reduce the premium:https://www.moneysavingexpert.com/insurance/car-insurance-job-picker/


(As advised, use dummy details when playing with quotes!)

dunstonh

Some of those changes could be down to the anti-fraud measures kicking in. Many providers have software that increases the pricing (often significantly) where people change key data on high-risk areas of fraud. Such as occupation.

daveyjp

The premium difference is because students must have fewer claims than those in whatever occupation you chose.