As an individual you do not get to choose whether your occupational scheme contracts in or out. The important thing therefore is to know whether you will get a State Second Pension or not. If you do not, then you will need more from your own savings and your occupational pension.
Most salary related schemes contract out, but it is rare for money purchase schemes to do this.
You can read more about contracting out, and its abolition for DC pensions, on the TPAS website here.
