Car insurance for NHS staff in the UK

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Car Insurance For NHS Staff

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* 7-8% of Apricot car insurance customers over 35 paid less than £250 between June 2020 to June 2021. Different age ranges will be priced differently.

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Car insurance for NHS Staff

Anyone who wants to drive their car on public highways in the United Kingdom is required by law to possess the appropriate car insurance. Seeking out the most appropriate and cost effective insurance can be a complex affair, but discovering insurance companies who take your occupation into account can be a short circuit to success. If for example, you work for the NHS, there could be a range of car insurance policies suitable for your profession and circumstances.

What is NHS staff car insurance?

Car insurance is calculated on a range of national statistical data, including the occupation of the purchaser. NHS staff car insurance caters for those who work within the NHS and are seeking insurance cover for their private vehicle.

Why do I need NHS staff car insurance?

Do you work as a nurse in your local hospital, or perhaps you are a GP covering an urban suburb? If this is the case, then you could find that your profession is recognised by particular insurers as less risky when it comes to insuring your car. It is a no brainer to take advantage of these policies that recognise your employment and offer lower premiums.

How will being an NHS worker affect my car insurance?

A doctor not only has to spend seven long years at a University qualifying, but like other NHS staff is tasked to look after people at the most vulnerable times of their lives. Following protocols and keeping a calm head, in the face of adversity, which can be a matter of life and death, is an everyday occurrence for these individuals, which reflects very favourably on their ability to cope with the pressures of driving a car.

Insurers recognise that NHS staff cannot be hotheads in their workplace, and national statistics reflect that this relates favourably to the number of car incidents NHS staff have. Taking out car insurance for NHS staff, offered by companies who specifically recognise NHS staff as a lower risk, will benefit you financially.

How much does car insurance for NHS staff cost?

Although NHS staff can benefit from the status of their cohort as less risky, there will also be the usual hurdles to surmount. Insurers will still take your age into account, your driving history, where you live and where you keep your vehicle when pricing your policy. Your profession will definitely be a bonus, but other variables will determine the final price. You need to factor in whether you are seeking third party insurance with or without fire and theft, or if you want fully comprehensive cover.

Does it make a difference to my car insurance if I work in a city centre hospital?

There will always be adjustments to your car insurance depending on where you live. However, if you work in a large general hospital with secure parking facilities and garage your car in a reputable area, your actual place of work will have very little impact on the cost of your car insurance.