Car insurance when unable to drive for medical reasons

marlot

Classic insurance policies don't normally have no claims bonuses [just very low premiums]. So you'd be able to use your no claims on the family car, and put the mini on a classic policy - both in your name.

Some classic car policy companies to get you started: Footman James, Adrian Flux, Towergate. And a lot of the big companies do them too. The car usually has to be 15 year old or more. Some may accept them at ten years old.

Flyboy152

scheming_gypsy wrote: »

But he hasn't; the OP says his doctor has told him not to drive. So it doesn't sound like he's sent his license back or the DVLA has put any restrictions in place.
So he can still own a car and insure it whilst building up no claims.

If a doctor has told someone not to drive they have a legal obligation to inform the DVLA.

spiro

Flyboy152 wrote: »

If a doctor has told someone not to drive they have a legal obligation to inform the DVLA.

The DVLA website lists medical conditions that you have to advise them of.

As to your statement, if you take it literally I have to say I think its rubbish and the DVLA would be swamped if it applied. Have you never had a short term illness (flu etc) were the doctor prescribes a medicine and tells you 'you cant drive while your taking this'?

Flyboy152

spiro wrote: »

The DVLA website lists medical conditions that you have to advise them of.

As to your statement, if you take it literally I have to say I think its rubbish and the DVLA would be swamped if it applied. Have you never had a short term illness (flu etc) were the doctor prescribes a medicine and tells you 'you cant drive while your taking this'?

If a doctor has declared someone is unfit to drive, due to a medical condition, the driver has a legal obligation to inform the DVLA. It matters not what that condition is, it could be a wart on the end of his nose, but if the doctor has decided the patient shouldn't drive, he must tell the relevant authorities. There are no two ways about it.

Lum

I thought it was only if the condition is expected to last more than six months?

Flyboy152

Lum wrote: »

I thought it was only if the condition is expected to last more than six months?

From what I understand, it is irrespective of how long it lasts.

http://www.direct.gov.uk/en/Motoring/DriverLicensing/MedicalRulesForDrivers/DG_4022414

If you have developed a medical condition that makes driving unsafe your doctor may tell you to stop driving immediately. If this is the case you should surrender your driving licence to the Driver and Vehicle Licensing Agency (DVLA). Your doctor will advise you when you are well enough to start driving again.

Bexm

Didn't meant to start a debate!

Just to add... In my husbands case he has been told to surrender his licence.

If you go onto confused.com there is an option in the medical conditions section to say you have been advised not to drive by a doctor. We ran a quote on there and it came out about £200 more than usual.

Either way I will be insuring both cars!

Lum

Before surrendering his licence, be sure to get a certified copy made so that when he gets is licence back and finds the DVLA have screwed up and taken away half his entitlements, you have some proof of this.

vaio

Flyboy152 wrote: »

If a doctor has declared someone is unfit to drive, due to a medical condition, the driver has a legal obligation to inform the DVLA. It matters not what that condition is, it could be a wart on the end of his nose, but if the doctor has decided the patient shouldn't drive, he must tell the relevant authorities. There are no two ways about it.

The medical issues that need to be declared to DVLC are listed in a document http://www.dft.gov.uk/dvla/medical/ataglance.aspx but as you say your doctor can advise you to stop driving for any number of things but only the ones on the dvla document need to be reported to them

Billy-no-Money

Flyboy152 wrote: »

From what I understand, it is irrespective of how long it lasts.

http://www.direct.gov.uk/en/Motoring...ers/DG_4022414

Quote:
If you have developed a medical condition that makes driving unsafe your doctor may tell you to stop driving immediately. If this is the case you should surrender your driving licence to the Driver and Vehicle Licensing Agency (DVLA). Your doctor will advise you when you are well enough to start driving again.

I suggest you read the whole article before you start posting quotes. You've posted the first paragraph, when the body of that page makes it quite clear that it's not as simple as you think!

Anyway, how would the new SORN / Insurance regulations work if someone is temporarily unable to drive, but can't park their car off-road?