GPs have been named the most accident-prone profession for the fifth year in a row, with a study by GoCompare finding that doctors are most likely to make an at-fault claim on their car insurance. We explains which professions attract the highest rate of car insurance claims, and what you can do to save on yours.
Which professions have the most car accidents?
Health professionals dominate the list of occupations most likely to make an at-fault claim on car insurance, the GoCompare data shows, but general practitioners are in the number one spot, with 12.4% making at least one claim in the past year.
Other health and medical professionals among the top 10 are hospital consultants (11.5%), hospital doctors (10.7%), surgeons (10.5%), health visitors (10.4%), optometrists (9.9%) and speech therapists (9.9%).Rank Profession Percentage making at least one at-fault claim 1 General practitioner 12.4% 2 Claims adjuster 11.9% 3 Hospital consultant 11.5% 4 Hospital doctor 10.7% 5 Surgeon 10.5% 6 Health visitor 10.4% 7 Mortgage broker 10.3% 8 Optometrist 9.9% 9 Speech therapist 9.9% 10 Insurance consultant 9.76%
Source: GoCompare The large number of accidents caused by people within this sector could be to do with the high levels of stress related to working in healthcare. Work-related stress was found to be most prevalent in public service industries such as education, human health and social care, according to the 2017 Labour Force Survey, with an excessive work load associated with 44% of cases.
Interestingly, both claims adjusters and insurance consultants also featured in the top ten list.
Professions least likely to have an accident
People who work regularly with vehicles were heavily represented in the list of those least likely to make a claim. Despatch drivers (2.7%), car dealers (3%), car wash attendants (3%) and garage managers (3.4%) all make the top 10 – which could demonstrate that people heavily involved with cars are either less accident-prone or more reluctant to claim on their policies.Rank Profession Percentage making at least one at-fault claim 1 Barman 2.3% 2 Picker 2.3% 3 Packer 2.6% 4 Carpet cleaner 2.7% 5 Despatch driver 2.7% 6 Car dealer 3% 7 Car wash attendant 3% 8 Painter 3.2% 9 Garage manager 3.4% 10 Book seller 3.5%
Source: GoCompare Pickers and bar staff proved to be the least likely to make an at-fault claim, with only 2.3% contacting their insurers about accidents they have caused.
However, pickers are often considered high-risk applicants by insurers and tend to have the most expensive policies, averaging GBP971 per year, according to figures released by GoCompare earlier in the year. As such, these drivers may be less likely to make a claim for fear of pushing up their premiums further. Find out more: making a car insurance claim
How your job affects your car insurance premium
The amount you pay for car insurance is determined, in part, by how likely you are to claim a pay-out – and your job is one factor that is usually taken into account by insurance providers when weighing up the risks. On average, retirees and PAs tend to pay the least for car insurance, while waiters and labourers pay the most.
When filling out the application form, make sure you choose your occupation carefully, as many jobs fit into a range of categories. For example, it can be more costly to describe yourself as a journalist than to describe yourself as a writer or a reporter. However, it is important never to outright lie about your job – for example, don’t say you’re a lawyer when you’re a doctor – because it could be considered fraud and may lead to prosecution.
Is it worth making a claim?
Your car insurance is there to protect you, but you’re not always better off making a claim. If your bill is likely to run into thousands of pounds, claiming on your insurance is an obvious step. The benefit may be less clear, however, if the damage is relatively minor.
After receiving a pay-out, your premiums may go up at renewal time, and you could lose your no-claims discount. Taking into account these additional costs, as well as the excess, it might actually cost you less to pay low-value repairs yourself. Whenever you damage your car, it’s worth considering the likely cost of claiming versus the cost of repairs, and how much you stand to save.
Finding the best car insurance
You can save a significant amount of money by shopping around for car insurance, either by doing your own research or using comparison sites.
Comparison sites can be a great way to find a policy, but can lead to problems if you don’t fully understand what you’re buying. So make sure you read the terms and conditions carefully, so you know exactly what is and isn’t covered. Other factors, such as the level of excess you’re prepared to pay, or whether you can pay monthly or annually, will also affect the quotes you receive.
You can find out more in our guide to finding cheap car insurance. But price isn’t the only factor – you should also consider the customer service offered by your provider and the level of cover you need. To discover how we rate car insurance providers, read our guide to the best and worst car insurance.
If you’re looking to buy a new car, Which? can help.
- ^ making a car insurance claim (www.which.co.uk)
- ^ how to find cheap car insurance (www.which.co.uk)
- ^ better off making a claim. (www.which.co.uk)
- ^ our guide to finding cheap car insurance. (www.which.co.uk)
- ^ our guide to the best and worst car insurance (www.which.co.uk)
- ^ Top Cars for 2018 (www.which.co.uk)
- ^ our new and used cars reviews. (www.which.co.uk)
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I still can’t believe this is a £250 phone.
The Moto G6 looks and feels like a phone twice its price. It has a great screen, a comfortable design, a clear speaker, and in the few weeks I’ve been using it, no obvious performance issues (despite its budget price and processor). I certainly do have complaints and nitpicks, but I still keep picking it up and thinking, “How on earth is this thing only £250?”
The Moto G6 is the latest in Motorola’s line of £200-£300 Moto G smartphones, which quickly became, and have remained, the company’s most popular phone line since its introduction five years ago.
Alongside the announcement of the G6, Motorola also launched two variants: the G6 Play, which trades some performance for battery life, and the G6 Plus, which adds performance and a bigger screen.
The G6 and G6 Play are available unlocked and work on all major US carriers; the Plus is only available internationally. If you’re in the market for a phone under £300 right now, you don’t have to look much further.
8 Verge Score
- Vibrant screen
- Comfortable design
- Bargain price
- Slow camera
- Processor may age poorly
- Atrocious default wallpaper
7.5 Verge Score
- Ludicrous battery life
- Few performance issues
- Dull camera
- Fuzzier screen
7.5 Verge Score
- Solid performance
- Not too big
- Extra size doesn’t add much
- SIM card tray is puzzlingly hard to remove
The standard G6 sits in the middle of the line and strikes the best balance of the bunch. The phone has a 5.7-inch screen, but because it has a tall, 18:9 display, it isn’t all that wide.
Couple that with a back that’s curved at the edges, and you end up with a relatively large screen inside of what feels like a small phone.
It’s a good screen, too, with bright and vibrant colors and a resolution just above 1080p. It isn’t OLED, so you don’t get the perfect blacks seen on many higher-end phones, but I actually find the Moto G’s color tuning to be more pleasing than the screen on my Pixel 2 (a £649 phone), which looks a bit greener and washed out in comparison.
The phone’s weakest point is its cameras. The selfie cam’s results are soft and muddy, a lot like what you’d get from the average webcam.
On the back are two f/1.8 lenses on a 12-megapixel and 5-megapixel sensor, and the lower-resolution one is purely being used to add portrait mode effects. Portrait modes have issues on far more expensive phones, so I wasn’t expecting much here. The feature works, but it’s hard to imagine using it since the results look worse than a regular photo.
I’d have much preferred Motorola put one good camera on the back of the phone than two mediocre ones.
In bright daylight, you can get some good shots out of the phone. But in anything other than ideal settings — and often, even in ideal settings — it would run into issues. The phone isn’t great at exposing shots that have both bright and dark areas at the same time.
And in low-light, its photos become noisy or smudgy. The even bigger problem is that the camera is just too slow, leaving me with a lot of blurry pictures of my cat.
The G6 is, for the most part, a pretty typical Android phone. It has a USB-C port, a headphone jack (!), and near-stock Android, augmented with just a handful of Motorola features.
Those features range from slightly handy, like one that helps your screen stay on while you’re looking at it, to mostly inconsequential, like a gesture to shrink the screen down for one-handed use, which I never used. One of the more prominent additions is an ambient display that shows your notifications on a minimalist black-and-white screen when you flip the phone over. I found it to be more confusing than the normal lock screen.
Fortunately, you can turn all of these features off.
The phone’s fingerprint reader is on the front beneath the screen, rather than on the back. I didn’t have a real problem with where it was located, but I do think scanners on the back are a more natural placement. Motorola does take advantage of offering gesture controls by using the fingerprint scanner as a touch surface, which can free up screen space by removing Android’s three control buttons, but the feature isn’t activated by default.
They gestures work well, but I still found the on-screen controls to be more comfortable.
My one outstanding question with this phone is how its performance will hold up in the long run. Right now, it’s running great. Apps and webpages open quickly, and there’s usually no visible lag as I move from screen to screen — not a given among phones at this price.
But the G6 is still using a lower-end processor, Qualcomm’s Snapdragon 450, which is likely to age quicker than a higher-end model. I can’t test how well it’ll perform in the long run in the scope of this review, but it’s something to consider if you were waffling between this phone or something more powerful.
For £50 less than the Moto G6, you can get the Moto G6 Play. The G6 Play is generally a worse phone.
It has a slightly slower processor, a much worse camera, less RAM, a thicker build, a cheaper-looking body, and a lower-resolution screen.
But all of those trade-offs might just be worth it for one thing: the phone’s huge, 4,000mAh battery, which lasted for three days of my use.
Side by side with the G6, the G6 Play’s flaws stand out. But on its own, they aren’t all that bad. The phone is nearly the same size, also putting a 5.7-inch screen with an 18:9 aspect ratio in a narrow body, just with a slightly broader back.
Its resolution is closer to 720p, instead of 1080p, making it noticeably less crisp than the G6. But on its own — and held not as close to your face — it’s not a huge issue, especially at £200. The Play model even moves the fingerprint scanner to the phone’s back, which I liked.
Stacked top to bottom: Moto G6, G6 Play, G6 Plus.
The G6 Play does feel a touch slower than the G6, and it was more likely to get a little choppy while scrolling through a busy app.
It wasn’t a problem for me in daily use — at least until the battery got very low — but it does suggest the phone won’t age quite as well once it’s loaded up with a year or more of text messages and apps.
The more apparent limit was its camera, which was even worse with dynamic range than the standard G6, and it produced flatter, less detailed colors. The phone also uses a Micro USB port for charging, which is increasingly dated, but I don’t necessarily see that as a drawback for buyers who already have a wealth of compatible cables lying around.
But even with all of those issues and downgrades, the battery life on this phone is so remarkable that it makes it worth considering. I’m not the most demanding phone user in the world.
I use a lot of Twitter, stream music, and browse the web a bunch, but I’m not doing a ton of video streaming or gaming. So I’m sure everyone won’t get the same three days of use that I did. But I still think it would be hard with typical use to get this thing to die before the end of a single day.
The G6 Play isn’t the first phone to offer a wild battery life advantage, but it’s a wonderful perk to get on a phone that’s otherwise a downgrade.
Finally, if you want to go even bigger, Motorola has the G6 Plus. It’s a larger phone with a 5.9-inch display, a resolution around 1080p, more RAM, a slightly better camera, and a faster processor: the Snapdragon 630.
That processor is the real reason to make the leap to the G6 Plus. In my testing, it wasn’t appreciably faster; it was about the same at opening apps but slightly faster at loading webpages.
But one would suspect that it will hold up a bit better in the long run, as more demanding apps come along. The extra RAM can also come in handy if you’re a heavy multitasker on your phone.
Otherwise, I don’t find that the Plus stands out particularly favorably. The screen is bigger, but it’s also a bit less sharp than the one on the G6.
And the bigger screen means a bigger body. It isn’t unwieldy, but it’s bigger than I’d like, and the extra size doesn’t add anything feature-wise like it does on Samsung’s (way more expensive) Galaxy Note line, which includes stylus support.
The standard G6 really does strike the best balance here. And for £250, it’s hard to complain about the shortcomings it does have.
If anything, it’s given me more reason to complain about the flaws on my £649 phone. As the quality gap between high- and low-end smartphones continues to shrink, the price between them seems to be growing bigger. For people who usually buy top-of-the-line phones, that’s bad news.
But if you’re shopping under £300, Motorola makes it feel like there’s very little you’re missing out on.
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