Latest News and Articles
See below the list of our latest news and articles from our BLOG on the Einsure website:
The Top 3 Occupations That Could Face the Highest Car Insurance Premiums
When it comes to calculating car insurance premiums, insurers consider a wide range of factors — and one of the more surprising is your job title. Many drivers don’t realise that your occupation can significantly influence the cost of your cover, even when your actual day-to-day duties seem low risk.
Insurance providers use statistical data to evaluate which professions are more likely to make a claim or be involved in accidents. This isn’t necessarily about how dangerous your job is, but rather how it’s been associated with driving behaviours, mileage, work patterns, and claim history over time.
At Einsure, we help drivers across the UK understand what affects their quotes. Below, we reveal three occupations that typically face some of the highest car insurance premiums, and why that’s the case.
1. Professional Footballers and Athletes
It might come as no surprise that professional sportspeople – particularly footballers – are often quoted high insurance premiums. But it’s not just about expensive vehicles.
Why the higher premiums?
High-value cars: Many athletes drive performance or luxury cars, which are more costly to insure.
Public profile: Higher visibility and greater exposure to risk (e.g. theft or vandalism).
Irregular working hours and long drives to fixtures or training grounds.
Even if the vehicle is garaged or well protected, insurers take the overall profile into account. If you’re a sports professional or work in the sports industry, it’s wise to shop around — comparison tools like Einsure can help you find insurers with more favourable attitudes toward your profession.
2. Entertainment Industry Professionals
Jobs such as musicians, DJs, actors, dancers, and television presenters often fall into higher risk brackets for insurers. These occupations involve unpredictable schedules, travel to various locations, and late-night work — all of which increase the perceived risk.
Why the higher premiums?
High mileage or frequent travel to gigs, venues, or studios.
Driving at unsociable hours, often associated with more accidents.
Carrying expensive or bulky equipment.
Vehicles potentially left in public or unfamiliar areas overnight.
For entertainers or freelancers in creative roles, it’s worth exploring how slight changes in your job title can influence your quote. A sound engineer, for instance, may be quoted less than a DJ — even if the duties are very similar.
3. Fast Food Delivery Drivers and Couriers
Drivers working in food delivery or courier services often face significantly higher premiums. These roles involve constant driving, often under time pressure, and during peak risk hours (like evenings or weekends).
Why the higher premiums?
Higher exposure to road traffic accidents due to time spent driving.
Frequent stop-start driving in urban environments.
Use of personal vehicles for commercial purposes.
Higher likelihood of wear and tear, which can lead to claims.
It’s essential to ensure that your policy covers business use if you’re working as a delivery driver or courier. Failing to disclose this can invalidate your insurance, even if the job is temporary or part-time.
Can You Lower Your Premium If You Work in One of These Jobs?
Yes, in many cases. Here are a few tips:
Check alternative job titles: Some titles are viewed more favourably than others. For example, “writer” may be cheaper to insure than “journalist”, depending on the insurer’s data.
Limit your mileage where possible.
Increase your voluntary excess (within reason).
Add a named driver with a strong driving history, if appropriate.
Use a comparison site like Einsure to find the most competitive quote tailored to your job.
Even if your job places you in a higher-risk category, shopping around is one of the most effective ways to reduce your premium.
Compare with Einsure and Save
At Einsure, our goal is to make finding car insurance simple and transparent. With just a few quick details, you can compare quotes from a range of top UK insurers, adjusting your policy to suit your personal circumstances — including your occupation.
Understanding how your job affects your premium is the first step. Comparing policies with Einsure is the next.
When Is the Best Time to Buy or Renew Car Insurance?
If you’ve ever left renewing your car insurance to the last minute, you’re not alone — but you may have unknowingly paid more than you needed to. Many drivers are surprised to learn that the timing of when you buy or renew your policy can significantly affect the price you pay.
At Einsure, we believe in helping drivers make smarter, better-informed decisions. In this guide, we’ll explore the best time to buy or renew car insurance, explain why timing matters, and offer tips to help you save money on your next policy.
Why Timing Affects Car Insurance Prices
Car insurance premiums aren’t fixed — they change based on demand, market conditions, risk models, and most notably, your behaviour as a customer.
Insurers use statistical data to predict how likely a driver is to make a claim. Believe it or not, when you shop for your policy can influence how you’re perceived in terms of risk.
For example:
Early shoppers are seen as more organised and less risky.
Last-minute buyers are often deemed higher risk, potentially leading to higher quotes.
The Golden Window: 21 to 26 Days Before Renewal
Research, including studies referenced by trusted consumer sites like MoneySavingExpert, shows that the cheapest time to buy or renew car insurance is around 21 to 26 days before your policy start date.
Quotes offered during this period can be up to 40% cheaper than those given just a day or two before the renewal date.
This “sweet spot” works because insurers consider early renewers to be:
Lower risk
More financially responsible
Less likely to claim
What Happens If You Leave It Too Late?
If you wait until the day before — or even the day of — your renewal date, you’ll likely see much higher premiums. Insurers may interpret last-minute decisions as a sign of higher-risk behaviour. You’ll also have less time to compare deals properly.
In some cases, you may even miss out on better deals altogether, especially if you rely on automatic renewals and don’t actively shop around.
Top Tips to Save on Your Renewal
Here’s how to time it right and make the most of your car insurance comparison:
1. Set a Reminder
Mark your calendar for 3 to 4 weeks before your renewal date. Give yourself time to compare quotes without the pressure of a looming deadline.
2. Compare Multiple Quotes
Use a tool like Einsure to quickly view a range of quotes in one place. This helps you avoid paying a “loyalty penalty” by automatically renewing with your current insurer.
3. Avoid Auto-Renewal Without Checking
Many insurers will automatically renew your policy — often at a higher price. Always check if a better deal is available before letting it roll over.
4. Be Accurate With Your Information
To ensure you receive valid and competitive quotes, double-check that the details you provide are correct, including your mileage, address, job title, and claims history.
5. Don't Forget Cashback Websites
Whilst comparison websites are great at finding you some of the best quotes, by checking some of these companies against some of the best UK Cashback websites, you might even save a bit more by clicking their link and purchasing direct.
Use Einsure to Compare at the Right Time
At Einsure, we make it easy to compare quotes from top UK insurers in just a few minutes. Whether you’re shopping well ahead of your renewal date or just starting to consider your options, our platform allows you to:
Quickly input your details
Adjust key policy options
See how changes affect your premium
Find a deal that suits your needs and budget
Timing your search right is just one way to save — Einsure helps you unlock the rest.
Final Thought
The best time to buy or renew your car insurance is not the day before your policy expires. By shopping around 21 to 26 days in advance, you could secure a much better deal, reduce your premium, and avoid the stress of last-minute decisions.
Get ahead, compare with Einsure, and drive away with confidence.
Why European Breakdown Cover Is Crucial for Your Summer Holiday Abroad
Planning a summer road trip through Europe in your own car can be a fantastic way to explore the continent — but it’s essential to make sure you’re properly prepared. While travel insurance may be front of mind, European breakdown cover is just as important when it comes to peace of mind on the road.
Without it, a mechanical issue or roadside mishap in another country could lead to costly repairs, delays, or even being stranded — not the kind of holiday memory anyone wants.
Here’s why European breakdown cover is essential, and what else you need to know before driving your car abroad this summer.
The Importance of European Breakdown Cover
Your standard UK breakdown cover typically won’t protect you once you leave the country. European breakdown coveris designed to provide assistance in EU countries (and beyond), covering:
Roadside repairs or recovery
Towing to the nearest garage
Emergency accommodation
Repatriation of your vehicle back to the UK (if necessary)
Onward travel or a replacement vehicle
Without this cover, even a minor fault could result in expensive recovery costs and major disruption to your trip — especially if language barriers or unfamiliar regulations slow things down.
If you’re hiring or subscribing to a vehicle, always check what’s included as part of the package, and consider adding standalone cover if needed.
What You Might Need When Driving in Europe
Planning a road trip across Europe involves more than just booking ferries or mapping out scenic routes. Here are some key legal requirements and helpful extras that could apply when driving through popular destinations such as France, Spain, Germany or Italy.
1. VE103B Certificate (For Leased or Subscribed Vehicles)
If you’re driving a vehicle on a lease or subscription — rather than one registered in your name — you’ll need a VE103B certificate. This document acts as proof that you have permission to take the vehicle abroad and is a legal requirement for travelling in most European countries.
Failing to carry one could result in delays at borders or fines from local authorities.
2. Crit’Air Emissions Sticker (France)
If your holiday route takes you into cities like Paris, Lyon or Grenoble, you may be entering a low-emission zone. France operates the Crit’Air scheme, which requires drivers to display an emissions sticker on their windscreen.
Order it in advance via the official French government site
Fines can apply if you enter restricted zones without it
Even tourists must comply, so don’t assume you’re exempt.
3. Legally Required Equipment (Varies by Country)
Different countries have different laws when it comes to what must be carried in your vehicle. If you’re travelling through France, Spain or Germany, you may need to bring:
Reflective jackets (one per occupant)
Warning triangle(s)
Headlamp beam deflectors
GB or UK sticker (if not shown on your number plate)
First aid kit (required in some countries like Austria or Germany)
Breathalyser kit (still recommended in France)
Always research each country on your route to avoid fines for non-compliance.
4. Travel and Vehicle Insurance
Make sure your UK car insurance covers driving abroad, and check for any time limits (some policies restrict cover to 30 or 60 days abroad per year). You may also want to confirm that the level of cover (e.g. comprehensive) remains the same outside the UK — not all policies guarantee this.
And don’t forget your travel insurance for personal protection while you’re away.
Final Preparations Before You Go
Check your car’s servicing is up to date
Carry physical copies of your documents: driving licence, logbook (V5C), insurance certificate, VE103B if required
Check tyre tread depth and pressure
Load maps or sat nav updates in advance (some areas may lack signal)
Have breakdown contact numbers to hand
Being prepared can help you avoid unnecessary stress and keep your holiday running smoothly from start to finish.
Final Thought
Driving your own car through Europe can be one of the most rewarding ways to explore — but it comes with responsibilities. Having the right European breakdown cover is essential if you want to travel with confidence, knowing that help is just a phone call away should anything go wrong.
For those driving leased or subscription vehicles, don’t forget the VE103B certificate, and be aware of local laws such as emissions zones or mandatory safety gear.
Whether you’re heading to the Riviera, the Alps, or the Spanish coast, take the time to prepare properly. And if you need fully comprehensive insurance for your trip, use Einsure.uk to compare policies and find the right cover for your journey.
Hiring a Car for Your Holiday: Top Tips to Save Money and Avoid Costly Mistakes
Hiring a car can be one of the best ways to explore your holiday destination on your own terms — whether you’re travelling around the UK or heading abroad. But for all the freedom it offers, car hire can come with hidden costs and unnecessary extras if you’re not careful.
At Einsure, we help drivers make smarter choices. So, before you collect the keys, here are some essential tips to help you save money, protect yourself from unexpected charges, and make the most of your trip.
1. Shop Around Before You Book
Before committing to the first car hire company you come across, take a few minutes to compare prices using trusted comparison websites. This allows you to view different rental companies side-by-side, helping you find the most competitive rate for your needs.
You’ll often spot big price differences for the same vehicle class — especially if you’re booking during peak travel seasons. Be sure to compare:
Daily or weekly hire rates
Fuel policy (full-to-full is often the fairest)
Mileage limits
Deposit requirements
A little research up front can make a big difference to your budget.
2. Be Wary of Excess Damage Waiver Add-Ons
One of the most common upsells at the rental desk is the excess damage waiver — an optional insurance that reduces the amount you’d pay in the event of damage or theft. While this might sound reassuring, these policies are often hugely overpriced.
In many cases, you can buy standalone excess insurance from independent providers before your trip, often at a fraction of the cost.
If you don’t want to pay twice as much at the counter, politely decline and ensure you’re properly covered elsewhere. Always read the terms of both your rental agreement and any insurance policy to understand what is and isn’t included.
3. Inspect the Car Thoroughly – Inside and Out
Before driving away, take time to carefully inspect the hire car and document any existing damage. Even minor scratches, scuffs, or dents should be recorded.
Here’s how to do it properly:
Use your phone to take detailed photos of each side of the vehicle, the front, back, roof and wheels
Film a slow walkaround video for extra peace of mind
Don’t forget to check the interior, boot, windscreen, and the car’s underbody/valance
Look on the roof — a commonly missed area where damage may be unfairly blamed on you later
Ensure that any damage is noted on the paperwork before you sign. If the hire desk is busy, still take the time to document everything yourself.
4. Understand the Fuel Policy
Not all fuel policies are created equal. Some companies charge high rates for refuelling, while others may expect you to return the car empty — which usually means you’ll overpay for unused fuel.
Full-to-full is typically the fairest policy: you pick the car up with a full tank and return it the same way. Just remember to keep your fuel receipt in case there are disputes.
If you’re planning a longer stay in the UK — perhaps visiting for work, an extended holiday, or between cars — a short-term car subscription may be a more flexible and cost-effective option than traditional rental.
Subscription-based providers often include:
Road tax
Maintenance and servicing
Breakdown cover
Monthly rolling contracts with no long-term commitment
Unlike hire cars, subscriptions are designed for personal use over a longer period, often with more flexible mileage and fewer hidden charges. It’s worth comparing both options to see which suits your trip and budget best.
6. Bring the Right Documentation
To avoid delays or cancellation of your booking, make sure you have the required documents:
Your driving licence (check if you need an International Driving Permit)
A credit card in the main driver’s name for the security deposit
Booking confirmation and excess insurance (if bought separately)
ID or passport (especially for international rentals)
Check in advance if the hire company requires a DVLA licence check code — especially for UK rentals.
7. Return the Car on Time and Fully Fuelled
Late returns often lead to full-day charges, even if you’re only a few minutes behind schedule. Aim to return the car well before the agreed time and keep a photo of the fuel gauge to prove you’ve returned it full (if required).
Final Thought
Hiring a car should make your holiday easier, not more stressful. With a bit of preparation — and by avoiding common pitfalls like overpriced excess insurance or undocumented damage — you can enjoy your trip with confidence and clarity.
Compare deals, protect yourself with photos, and avoid unnecessary extras. And remember, for UK-based car insurance comparisons, Einsure.uk is here to help you find the best value every time.
How Different Factors Can Affect Car Insurance Premiums
When searching for car insurance, you may wonder why one person pays significantly more – or less – than another, even if their cars seem similar. The truth is, car insurance premiums are calculated based on a wide range of factors, many of which are specific to the individual driver.
At Einsure, we’re committed to helping you understand how your quotes are calculated, so you can make informed decisions and potentially reduce your costs. Below are some of the key factors that influence how much you pay for your car insurance.
1. Your Age and Driving Experience
Age can play a major role in determining insurance premiums. Statistically, younger and less experienced drivers are more likely to be involved in accidents, which means they typically face higher premiums. Drivers under 25 often pay the most, while older, more experienced drivers with a clean record tend to pay less.
Even if you’re older but newly licensed, insurers may still classify you as high risk until you build up a driving history.
2. Your Driving History and Claims Record
Insurers assess your risk by reviewing your past. If you have a history of claims, accidents or motoring convictions, your premium will likely be higher. Conversely, if you have a clean driving record and a history of no claims, you may qualify for a No Claims Discount (NCD), which can significantly reduce your insurance costs over time.
It’s essential to be honest when declaring previous incidents – failing to do so can invalidate your policy.
3. Where You Live and Park Your Vehicle
Your postcode can affect your premium more than you might expect. Insurers consider factors such as local crime rates, traffic congestion, and accident statistics when calculating risk. For example, living in a busy city or an area with high rates of vehicle theft might increase your premium compared to living in a quieter rural location.
Where you park your car overnight – whether on the street, in a driveway or in a locked garage – also influences your rate. Secure parking generally reduces your risk and can result in lower premiums.
4. The Type of Car You Drive
The make, model and value of your car all impact your insurance cost. Cars are categorised into insurance groups (1–50), with group 1 being the cheapest to insure and group 50 the most expensive. High-performance vehicles, luxury cars or models with costly parts are typically more expensive to cover.
Modifications, even cosmetic ones, can also increase your premium, as they may affect the car’s value, performance or theft risk.
5. Your Annual Mileage
The more you drive, the higher the chance you’ll be involved in an accident. That’s why your estimated annual mileageaffects your insurance premium. If you use your vehicle daily for long commutes, you’re likely to pay more than someone who only drives occasionally.
That said, underestimating your mileage to try and reduce your quote could invalidate your insurance, so it’s important to be accurate.
6. Your Job Title and Employment Status
Insurers use your occupation to help assess risk. Certain professions are statistically associated with higher risk – for example, delivery drivers or entertainers may pay more than office workers.
Your job title can make a difference, even when duties are similar. Tools such as MoneySavingExpert’s job picker can help you find the most cost-effective but honest way to describe your role.
7. The Level of Cover You Choose
There are three main types of car insurance cover:
-
Third-party only – covers damage to other vehicles, but not your own.
-
Third-party, fire and theft – adds protection if your car is stolen or damaged by fire.
-
Comprehensive – covers you and your vehicle, even if you’re at fault.
While third-party cover is the legal minimum, comprehensive insurance is not always the most expensive, and it can offer better value depending on your circumstances.
8. Your Voluntary Excess
Excess is the amount you agree to pay towards a claim. The higher the voluntary excess you choose, the lower your premium may be. However, you must make sure it’s an amount you could afford to pay out of pocket if you need to make a claim.
How Einsure Can Help
With so many factors affecting your premium, the best way to find a good deal is to compare quotes across multiple providers. Einsure’s comparison tool allows you to:
-
Enter your details once
-
View quotes from a range of trusted UK insurers
-
Tailor your cover based on your personal needs
-
See how small changes affect your premium in real time
Whether you’re a new driver, renewing your policy or looking to switch providers, Einsure helps you make confident, informed decisions.
Final Thought
Car insurance premiums aren’t one-size-fits-all. By understanding the factors that influence your quote and using a reliable comparison tool like Einsure, you can take control of your policy and potentially save money.
Start comparing today and see how much you could save.