Car insurance after a stroke.

swingaloo

My son has just got a car back on the road after being without for 3 years due to being out of work or in agency work at minimum wage and poor hours.


He had no no claims as he had not been insured for three years.


He got a good quote for the renewal which had a monthly sum he could reasonably afford so he took out the policy just 2 months ago.


This week he has had a minor stroke and according to the information given to him by the hospital he must not drive for a month and does not need to inform the DVLA but he must inform his insurance company.


Has anyone been in this position and is able to advise him if his insurance is likely to rocket because of this?


Hes expected to make a full recovery and is doing really well but is cheesed off about it happening so I would hate it if it now meant he would have to get rid of the car he has struggled to get.

InsideInsurance

Insurers only need to know about DVLA notifiable conditions and then only to confirm (a) they've been notified and (b) if any shortened license has been issued.

Your unlikely to find any material impact on premiums for having a DVLA notifiable condition, the Mrs developed one two years ago and its made no difference at all to our insurance.

Obviously if the vehicle needed modifications to deal with a disability that is a slightly different kettle of fish.

Quentin

swingaloo wrote: »

..... according to the information given to him by the hospital he must not drive for a month and does not need to inform the DVLA but he must inform his insurance company......

The hospital has mislead him.


As long as he is passed fit to drive after the month is up then there is no need to inform the Insurer or the DVLA (unless his policy says different!)

InsideInsurance

Also worth noting that as per https://www.gov.uk/stroke-and-driving if he hasnt fully recovered after 1 month then it does become a DVLA notifiable condition

swingaloo

Thank you for the replies.


Its interesting because the hospital gave him a leaflet instructing him on not driving for a month and it was on there that it said he must inform the insurer.


He also had a visit from a physiotherapist on Saturday and they asked if he drove and then told him the same thing exactly. His GP also told him he must notify his insurer when he went to an appointment yesterday.


It seems they are all singing from the same hymn book! I will tell him to look at his policy to see if it says he must inform them and if not then forget about it.


he was just worried that if he was to have an accident in the next year or so then if it came to light that he had been advised to tell them and not done they may use it as a way to say he is not covered.

kingstreet

Did he suffer a minor stroke, or was it a transient ischaemic attack?

If it was the latter, there is a mandatory 30 days off the road, but it isn't reportable if there is no further episode within that 30 day period.

I had a TIA in July 2012 and I've had no further episodes since.

Quentin

swingaloo wrote: »

.....It seems they are all singing from the same hymn book!......

he was just worried that if he was to have an accident in the next year or so then if it came to light that he had been advised to tell them and not done they may use it as a way to say he is not covered.

Different insurers have different policies - the medical people cannot be expected to know what the requirements of each patient's insurer, hence this blanket advice.


As posted, unless his policy says different there's no need to inform them for the first month.

InsideInsurance

swingaloo wrote: »

Its interesting because the hospital gave him a leaflet

Left hand, meet right hand..... government is too large and too fragmented and thus a lot of information is wrong. Plus there will be a certain amount of a$s covering.

I have a medical exception from NHS prescription charges and when I was renewing that last year the form the NHS sent me said that I had to notify the DVLA of my medical condition. I checked the guidelines for medical practitioners on the DVLA site and my condition wasnt mentioned at all.

As the form said I had to do it I called the DVLA and they said that the form was wrong and my condition doesnt need to be notified to them but they'd send me a letter acknowledging I'd told them and that I didnt need to keep them informed/ it made no difference to them.

chano

what is quidco and how can i use it

societys_child

chano wrote: »

what is quidco and how can i use it

It's a highly secretive system, but you may find more details by using a search engine . . .