Why an earth is it likely that a roofer is gonna be in a pub when it's raining, surely he/she could be just sat at home twiddling their thumbs waiting for the rain to stop or even in the office or wherever they work getting ready for the next job.
How the hell can someone or some company base an accurate insurance quote on a roofer by stating that when it rains they're gonna be the pub getting smashed what a load of B*****ks.
Thats gets on my tits and i'm not even a roofer or in the building trade 
I think it was not the best example and i dont think its because they are "likely to be in the pub all day" although what Nibbzy said about may be more likely to be out using their cars than sat in an office etc could well be considered. There could also be the possibilty that people in manual trades may be more likely to use there cars for going to different sites etc even if they do not have it declared on there insurance eg if their van breaks down how many may run the risk of going in the car over losing a days pay?
There are numerous reasons behind the loadings and discounts for occupations etc in insurance many of which even i dont fully get as we are a broker, not an underwriter who actually decide the rates and i think trying to look to hard into it is fairly pointless as it may lead to needless arguments or people getting offended without actually achieving anything.
There are so many other factors to look at and a lot of it is based heavily on claims statistics and im sure this is a major factor for some occupations eg certain occupations have a higher proportion of young male workers etc who based on claims statistics are statistically more likely to make a claim.
Martin
