What do exotic dancers and footballers have in common? Both feature high up on the list of occupations that are difficult to insure. We look at why sports professional motor insurance, and footballer motor insurance premiums can be so high, and possible ways to make it cheaper.
For professional sportspeople, finding car insurance can be hard work. Not only do many insurers shy away from offering a quote at all, but those who do can offer sky-rocketing premiums with no added benefits on offer. Why is this the case and what can you do to combat it?
As a professional sportsperson, you’ll face challenges every day. Training, nutrition and diet, dealing with criticism, dealing with injury and recovering from injury are some things that affect a sportsperson’s professional life, but how does your profession rub off on your personal life?
Well, as public figures you can be targeted by news outlets and the paparazzi on a daily basis. Stories, founded or unfounded, can influence public opinion and you have to deal with criticism on social media, rumours and controversy. Your friends and family could become targets and your personal life must be heavily guarded to protect your security and your privacy. But it goes further than that, too.
Even something as simple as insuring your car becomes a complex matter. If you go to an insurer directly or use a price comparison site for a quick quote, you’ll probably see sky-rocketed premiums that can be five times higher than the cost of regular car insurance or more. It doesn’t make sense, does it?
Why are footballer motor insurance premiums so high?
Insuring your car as a professional sportsperson and footballer in particular, is so high because some insurers are so reluctant to offer you cover in the first place. The value of cars alone may exclude footballers from many typical motor insurers. It is a niche area of motor insurance that requires special attention.
One of the issues is that many insurers don’t treat you as an individual person. Instead, they might see you as a stereotypical footballer portrayed in the news; young, speeding, picking up fines and writing off exotic, very expensive cars. The reality could be that you drive a normal 4×4 or saloon car. A fear can also be jumping up to an expensive high power car such as the Lamborghini Aventador at such an early age and relative inexperience in driving.
Sports professionals, and in particular footballers also feature highly on occupations that pick up most driving penalty points. This can happen through speeding, missing red lights or texting while driving.
What we can do to help lower footballer motor insurance premiums
At Full Time Cover, we are an independent insurance broker specialising in insurance for professional sportspeople and car insurance. It means that we appreciate the burden you have in finding motor insurance and are always more than happy to do the legwork for you to get you the policy you deserve at a price that’s right for you.
It’s important to help prove your experience with high power cars and show you are a responsible motor owner. Work with your insurance broker to give extra details and your driving history if you have owned similar high power cars in the past.
Driving Smart is also simple but important advice. Make sure you give yourself time to get to training, don’t drive annoyed, or text while driving. These basic steps can be forgotten at times but will help massively to reduce risk of a claim and lower your car insurance premiums.
Social Media use can also play a factor. Insurers are people to and can look up a client and immediately get a feel. Footballers in particular have been penalised for car insurance in the past with some even revoking cover.
Security is also a big factor, and highlighting that you have great home security, locked gated driveway as well as top of the range tracker on the car can all help lower car insurance premiums. Footballers can reduce car insurance premiums dramatically by demonstrating security both in the house and car.
We’ll consider the cars you drive – regular cars, 4x4s, classic cars and super and hyper cars -as well as where you drive them, in the UK or further afield. We’ll consider other things like mileage, level of cover, where they are stored and who else drives them to ensure what you need is what you get, nothing more and nothing less.
We know that professional sportspeople can be targeted by criminals so we can offer courtesy cars, windscreen damage, glass replacement and more to keep you protected wherever you are. For full details of our footballer and sports professional car insurance overview please look at our summary here
More details on our footballer insurance offerings see our youtube channel
To get started with a strong policy at the right price, in touch with our team today.