Driving Insurance: Hi, does anyone know if driving... - Headway

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Driving Insurance

maureen103 profile image
12 Replies

Hi,

does anyone know if driving insurance is increased when notified of diagnosis of epilepsy. I lost my licence for a year although I had only had one seizure and have had my licence returned now. I do take an anti-convulsant but have never had another seizure. Any comments would be gratefully received. Thanks

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maureen103 profile image
maureen103
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12 Replies
demondez profile image
demondez

Yes it does go up a bit as they look at it that your a greater risk but as long as you don't get any more it comes down again

maureen103 profile image
maureen103 in reply todemondez

Thanks. So as it's been 4 years since I had my seizure it shouldn't make too much difference

demondez profile image
demondez in reply tomaureen103

No it shouldn't but everything keeps going up all the I had my Sizures back in 2001 and got a Vp in my Head as long as nothing happens with my health my insurace stays the same

demondez profile image
demondez

The change is not having the enthusiasm to try things out and forgetting things an I have lost the spèd that I do things at also only go local places as fear of getting lost

maureen103 profile image
maureen103 in reply todemondez

I have just renewed my insurance at no extra cost. I was able to say that i had a licence issued with no restrictions so was able to insure at original price. But I agree with you that the prices go up each year rather than reward loyalty or good driving.

Trevor78 profile image
Trevor78 in reply tomaureen103

I hope that you don't anyway but never auto renew and always look for a new deal via a comparison website. I never have the same insurers two years running for anything. Loyalty these days just means overpaying.

maureen103 profile image
maureen103 in reply toTrevor78

That's exactly what I did and got £165 off the price that was asked for renewal. They did then drop the price a bit but not enough.

JontyB profile image
JontyB

so long as you are open and honest with your insurance company & they have access to your medical records. It should not make any difference.

maureen103 profile image
maureen103 in reply toJontyB

I was surprised when I replied to the question about medical conditions with the drop down option of DVLA informed . Licenced issued no restrictions. The insurance companies were quite happy.

Trevor78 profile image
Trevor78 in reply tomaureen103

It pays to do the right thing with motor insurance. I sat out driving for 18 months (surrendered my licence) when changing from paper copy to card licence . I didn't need to take that course of action and just wished that I'd put the forms in but I didn't want to risk a revoke which I'd read was a bigger problem if that was the unfortunate outcome. Thankfully I got the ok with no restrictions and just tick the DVLA aware box as you do.

maureen103 profile image
maureen103 in reply toTrevor78

I agree. It really isn't worth the risk of having an accident of some sort and the insurance company saying you weren't insured as you hadn't declared a medical condition. Peace of mind when you are honest.

Trevor78 profile image
Trevor78 in reply tomaureen103

True. I have to make sure that all of the bases are covered and that's the only way that I can sleep. I do sometimes wish that I didn't have such a conscience.

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