About To Buy My First Car!

Rain_Shadow

sacsquacco wrote: »

Makes me very happy ! here I am 30,000 miles on and 5 years down the line without a fault. Engine is smooth and quiet.Gone through last 5 M.O.T.s without a hitch apart from wipers.
I m a diabetic, type 2, no insulin injecting needed and I m told I can t get a "hypo " on my current meds. No need to tell DVLA anything

Correct. I imagine you are on Metformin. That can't produce a hypo. You only need to report to the DVLA if you are on insulin injections.

[Deleted User]

Rain_Shadow wrote: »

Correct. I imagine you are on Metformin. That can't produce a hypo. You only need to report to the DVLA if you are on insulin injections.

I am..2 a day of Metformin, just got back from my annual review and spot on levels on all tests.No need for DVLA to be notified.
Type 2 diabetes is not a "disabilty ", ( ask Sir Steve Redgrave with his 3 olympic gold medals ) I consider my diabetes as a warning sign to get on a healthy diet., which I ve done. Half the countries over 60s are likely to become diabetic in the future the way things are going in the UK, the fat man of Europe.

Rain_Shadow

sacsquacco wrote: »

I am..2 a day, just got back from my annual review and spot on levels on all tests.No need for DVLA to be notified.

I'm on 2 a day too. Just had my review. Levels fine too. :beer:

bigjl

Very few Type 2 Diabetics need to use Insulin, hence why a Type 2 Patbis often called a NIDDM and Type 1 an IDDM.

Never heard of a Type 2 Diabetic having a restricted licence?

I know of one Policemand that was diagnosed as Type 1 IDDM and lost his blue light ticket, but after a long legal process and proof of blood sugar stability he was allowed to drive on Blues again.

Same happened to a colleague in the LAS though she was Diabetic when she joined, not sure if she was Type 1 or 2. They pulled her from drivijg on blues, I told her about the Coppers situation and then changed stations, She also won her case in the same way as the Copper.

In London they also used to pull your Private Hire Lic if you were on Insulin, I was told that has now changed.

I do know Insurance can be a pain, I put retired down on an Insurance quote once to see what difference it made and it went up by about 25%!!

I am still working though. But I was surprised at the increase. I can't see my mum or dad being a higher risk after retirement as they both did lots of business miles.

But the computer is never wrong.

Only advise is to check with other sites, I have used Confused.com for years. I should probably stop auto renewing as I have done the last couple of years, especially since the current Insurer wants more for a £1000 Berlingo than they did a £7000 1 Series and the Clio Dci we had for years.

bigjl

Rain_Shadow wrote: »

Correct. I imagine you are on Metformin. That can't produce a hypo. You only need to report to the DVLA if you are on insulin injections.

Just to point out that Metformin can cause a Hypo though it is very rare and usually only when used with other medications (not just Insulin).

I have always found that most diabetics are extremely good at spotting the early signs of a Hypo anyway. The jitteriness and agitation for example. And often have a supply of the Lucozade sweets or Dextrose Energy sweets. One under the tongue to be absorbed sublingually is very effective.

Silver-Surfer_2

bigjl wrote: »

Very few Type 2 Diabetics need to use Insulin, hence why a Type 2 Patbis often called a NIDDM and Type 1 an IDDM.

Never heard of a Type 2 Diabetic having a restricted licence?

I know of one Policemand that was diagnosed as Type 1 IDDM and lost his blue light ticket, but after a long legal process and proof of blood sugar stability he was allowed to drive on Blues again.

Same happened to a colleague in the LAS though she was Diabetic when she joined, not sure if she was Type 1 or 2. They pulled her from drivijg on blues, I told her about the Coppers situation and then changed stations, She also won her case in the same way as the Copper.

In London they also used to pull your Private Hire Lic if you were on Insulin, I was told that has now changed.

I do know Insurance can be a pain, I put retired down on an Insurance quote once to see what difference it made and it went up by about 25%!!

I am still working though. But I was surprised at the increase. I can't see my mum or dad being a higher risk after retirement as they both did lots of business miles.

But the computer is never wrong.

Only advise is to check with other sites, I have used Confused.com for years. I should probably stop auto renewing as I have done the last couple of years, especially since the current Insurer wants more for a £1000 Berlingo than they did a £7000 1 Series and the Clio Dci we had for years.

I know two one lost his advanced ticket the other can still drive advanced vehicles on his restricted licence. The DVLA insist he must renew his licence to drive to work every three years, however the new legislation will assess him to exceed the speed limit every five. Funny though he lost his D1.

cajef

KellyKoo wrote: »

I've just put a quote through in my mum's name, leaving the car at my address, and declaring my slight accident (long story, damaged the door on another car shortly after passing my test) and insurance quotes came in at £1900, for mum who has 30+ years of experience and no accidents.

Be careful of fronting if you go down that route, ideally if it is your car it should be insured in your name, either way if you are the main driver that should be stated on the insurance, don't put yourself as an additional named driver otherwise the insurance could be void in the case of an accident.

WellKnownSid

BeenThroughItAll wrote: »

At 1000miles a year, I'd count that as 'pre-ruined'. All that horrible acidic oil sloshing around before its annual bonnet-lifting... Makes me sad.

Unlikely to be 'ruined'.

Personally, I would anticipate the battery could be on the way out and would want to have the brakes stripped down and rebuilt - but as long as the oil has actually been changed prior to being sold on it'll likely be fine. Perhaps arrange to carry out an intermediate oil change soon.

KellyKoo

BeenThroughItAll wrote: »

That's ridiculous. It is not discriminatory for an insurer to require you to pay more for them to indemnify you against risk, when if, in their underwriter's eyes, that risk is increased by a medical condition.


Your diabetes puts you at greater risk of eyesight problems, such as blurred vision, and fatigue, and hypoglycemia could result in even greater risk due to decreased cognitive function or even a loss of consciousness. No matter how well-controlled your condition is, these are REAL statistical risks based on REAL people.


Should your insurer charge you the same amount as someone who does not carry these additional risks? Absolutely not.


It's also true that unemployed people do present statistically more risk as they are also, statistically speaking, more likely to live unhealthy lifestyles, including drinking, substance abuse, high-fat diets, etc - all of which contribute negatively to the risk they present as drivers.


You may not like the truth, but there it is.


Don't forget when you go to the actual insurer from the comparison site, they will confirm all of the details you've given, so the quote may well change; and I'm sure I needn't point out that stating you do voluntary work now if you do not would represent fraud; and an insurer WILL check these things out if they're suspicious about the details you've given and they want to avoid paying a claim in the event of an accident.

In part I agree, and I would expect to pay more given I have a medically restricted licence for 3 years, due to diabetes and mental health issues. I thought I was doing the right thing by informing the DVLA (clearly I was...) and despite having had no health issues with driving, my licence went from a 1 year licence to a 3 year licence at the last review. How many people drive around without informing the DVLA of medical problems?


I have no problems with paying extra if I am classed as a risk, but when I come across insurance companies who want to know the nature of my illness and bump the prices up by thousands, and then I find other insurance companies who are happy to just take knowledge I have a restricted licence and not need to know the ins and out, there is clearly something wrong with the system and this to me is a form of discrimination.


As for voluntary work. I have done voluntary work for the last 5 years on and off, although technically not done any for the last six months. However, I plan to return to my voluntary work (who are crying out for volunteers) if it means I can reduce my insurance by close to £2500! Perhaps returning back to voluntary work, will benefit me and help me find a paid part time job in the very near future!

KellyKoo

Silver-Surfer wrote: »

Restricted licence for type 2, so I take it your non insulin medication can cause hypoglycaemia.

So health conditions and unemployment are both reasons for high insurance along with your inexperience and accident history.

Are you doing all these checks with your own details? If so then you should realise that not disclosing previous claims, medical conditions and then later disclosing them is all held.

Maybe thats why the quotes are increasing. They feel you are being dishonest to get the best price and simply don't want your business.

My restricted licence is for Type 2 Diabetes and a declared mental health condition, both of which cause me no problems anymore, but my licence went from a 1 year one to a 3 year one at the last review. When I initially informed the DVLA, I informed them on the basis of the mental health problems, and the fact I drank alcohol to cope (not drank for 3 years now!). I was told to inform them by my then CPN, because not having a licence (initially it was taken off me, although only a provisional) got me a free bus pass, which in turn got me back and forth to endless hospital appointments for free.


As for the insurance quotes, being a new driver I am left confused at some of the questions and wonder how to answer them. I have now telephoned and spoken to one of the insurance companies who gave me the best quotes and got through the application completely which includes details of my restricted licence / recent bump and claim / and declared I do voluntary work. They confirmed this meant I was not in paid employment which is true. I got a pretty decent quote from then, as well as the option of doing a 10 month policy, which helps immensely with paying the initial premium and I can build up a NCB quicker. I feel happier and will go with them. I should also add I initially got 13 different quotes from them but they have no issue with this, since I was guessing things like the amount the recent claim was, I had to call my relatives insurance company earlier to get the actual figure, so I could get an accurate quote!


So fingers crossed I should shortly have my car, the quote I finally got was £1750 for a 10 month policy, with no massive excess like the £3000 one company wanted to give me!