Disability and Motor Insurance

wazza

For six years i have been suffering from a bad back and have trouble walking some distance. These do not affect my driving. My car is not adapted in any way. Have recently been awarded a high mobility rate of disability living allowance. So this in a way labels me as 'disabled'. Do i have to inform my motor insurance? I assume you may have to if you lost a limb or are paralysed and need to have your car adapted.

I have applied for road tax fee exemption, in another words i will be getting my road tax for free.

Just wonder if the premium will go sky high :eek:

jonesMUFCforever

IMO you should tell them, because if you don't and have an accident and make a claim they might use this as a get out clause to refuse paying.
If it affects your premium then so be it - but at least you will be covered.

raskazz

If your medical condition is a 'notifiable condition', then you must notify the DVLA, and they must agree to the issue of a driving licence. There is a list of 'notifiable conditions' on the DVLA website.

You then only have to inform your insurer of the condition if the DVLA do not agree to you holding a licence. Of course, if they do not agree you cannot legally drive anyway.

The only thing you have to disclose to your insurer either way (if you have not already done so) is if you are not in employment on medical grounds (as occupation is a material fact).

Edited to add: Car insurers no longer use illness or disablilty as a rating factor in setting premiums.