In the UK, nurses have two options for car insurance, depending on their specific needs. Those who only use their car for commuting to and from their regular workplace can opt for standard car insurance. However, travel nurse car insurance is for nurses who travel to visit patients at multiple locations as part of their duties. It is a business insurance, specifically Class 1 business insurance. This type of insurance provides coverage for travel between various workplaces, essential for fulfilling patient care responsibilities. While the price may differ slightly from standard insurance, the coverage offered is significantly broader and caters directly to the unique needs of travel nurses.
When applying for an ordinary car insurance, car insurance providers will ask you to provide your job title. As such, your job plays a critical role in determining the premiums you will pay. Luckily, car insurance for nurses is slightly cheaper compared to those in other professions. Nurses, police, and ministers pay much fewer premiums than people in other professions like the hospitality industry.
Types of Car Insurance in the UK
If you are a nurse looking for car insurance, you have three main options:
- Third-Party Only: This is the minimum legal requirement and covers damage you cause to other people’s property and injuries to others. It does not cover any damage to your own vehicle.
- Third-Party, Fire and Theft: This includes everything within Third-Party Only coverage, with additional coverage against the loss or damage to your car due to fire and theft.
- Comprehensive: This offers the highest level of protection and covers your car, regardless of who was at fault in an accident. It also includes all elements from the Third Party, Fire and Theft policy.
Job Titles in Nurses’ Car Insurance
There are four main categories when signing up for nurses’ car insurance. Among them are ‘psychiatric nurse,’ ‘community nurse,’ ‘registered nurse’ and ‘student nurse.’ Each of these job titles varies in premiums payable. For instance, car insurance for a student nurse will cost higher than that of other job titles. To get the cheapest nurses’ car insurance, you should compare prices based on nurse job titles. Then look for the policy that best suits you.
Nurses’ Car Insurance cost
You can make your work much easier by using online car insurance comparison sites. You can compare nurses’ car insurance online using Compare the Market. To compare car insurance quotes further, use Money Supermarket.
While business insurance usually costs more than standard car insurance, the exact difference depends on several factors like the age of the driver, the vehicle type, and the level of coverage chosen.
Other factors that determine the number of premiums includes location, insurance claims history, driving record and your No Claims Discount. If you want to bring down the cost of nurses’ car insurance UK, you need to buy a car with a smaller engine and park your car in a secure garage. The amount of excesses and the model of the car you drive is also a significant factor in determining the premiums of car insurance.
The level of nurses’ car insurance UK is greatly affected by the level of insurance one intends to purchase. There are three levels of car insurance, Third Party Only (TPO), Third Party Fire and Theft (TPFT) and Comprehensive insurance. Each of them has varying premiums.
Standard car insurance in the UK typically costs around £500 a year, while business car insurance (Class 1) falls slightly higher, with an average annual premium between £600 and £800. However, these are just averages, and your actual costs may vary depending on the factors mentioned above.
Discount Car Insurance for Nurses
Nurses in the UK are eligible for discounts on car insurance from a variety of providers. This is because nurses are generally considered to be low-risk drivers, which means that they are less likely to make claims on their insurance. It’s important to note that even if you need business insurance for patient visits, you might still be eligible for NHS car insurance discount. Membership in professional organizations like the Royal College of Nursing (RCN) can also lead to additional car insurance discounts for nurses.
Here are some of the best providers of car insurance in the UK that offer discounts to nurses:
- Adrian Flux
- Admiral
- Hastings Direct
- Direct Line
- LV= (Liverpool Victoria)
- Hastings Direct
- Churchill
- NFU Mutual
- Apricot
- Aviva
Finding the Best Car Insurance for Nurses in the UK
Nurses in the UK often benefit from significantly lower car insurance premiums compared to other professions. This stems from several factors, including your generally lower risk profile and the clean driving records associated with the profession. Although, nurses’ car insurance are cheaper, shopping around would help you land a better deal.
Many insurers offer specific discounts for car insurance for NHS staff and members of professional organizations like the Royal College of Nursing (RCN). Furthermore, you can reduce the cost of car insurance for nurses by purchasing a car with a small engine. Also, park your car in a secured garage and avoid leaving car keys in the ignition. Ultimately, comparing car insurance using your nurse job title will also help you get a cheaper insurance policy. You can decide to buy 6 months car insurance or annual car insurance policy.