About To Buy My First Car!

Silver-Surfer_2

KellyKoo wrote: »

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!

So you also have/had quite a serious mental health problem too.

How do you expect to get the right answers when you drip feed information?

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.

I am, but I've declared the medical restricted licence on all the quotes that I have done in my name, I have no intention of hiding that from the insurance company.


As for the 'unemployment' some companies ask why you are unemployed, with one option I have seen as being 'Unemployed due to sickness or disability' others just use the word unemployed, which could mean various different things. I am currently on sickness benefits, having done voluntary work for approx. 5 years on and off. I hope to return to part time work or even try permitted work in the near future. I am also a carer for an sick relative, which is the reason I learned to drive, so they could cease driving and I could take over!


I've never had hypoglycaemia with my type 2 diabetes, my control is more hyperglycaemia, constantly high which in turns leaves me tired. Although just commenced Bydureon which has brought my HbA1c down from 120% to 79%. As well as diabetes I have a declared mental health issue, as I use to misuse alcohol (I have not drank for three years now!)

KellyKoo

foxy-stoat wrote: »

This isn't going to end well!

Try a Yaris 1000cc for around £1200-£1500, build up no claims bonus and then got finance and buy the car you really want.

And yes, you need to declare all accidents/losses.

I will give it some thought, if I don't go ahead with this purchase.

KellyKoo

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

Sadly, some meds can cause hypo's in type 2's.

KellyKoo

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.

Not true, some med's for type 2, including the new injectable's like Victoza and Bydureon can cause low blood sugar.


Search gov.uk / diabetes and driving. (can't post links as a new user!)

Silver-Surfer_2

KellyKoo wrote: »

I am, but I've declared the medical restricted licence on all the quotes that I have done in my name, I have no intention of hiding that from the insurance company.


As for the 'unemployment' some companies ask why you are unemployed, with one option I have seen as being 'Unemployed due to sickness or disability' others just use the word unemployed, which could mean various different things. I am currently on sickness benefits, having done voluntary work for approx. 5 years on and off. I hope to return to part time work or even try permitted work in the near future. I am also a carer for an sick relative, which is the reason I learned to drive, so they could cease driving and I could take over!


I've never had hypoglycaemia with my type 2 diabetes, my control is more hyperglycaemia, constantly high which in turns leaves me tired. Although just commenced Bydureon which has brought my HbA1c down from 120% to 79%. As well as diabetes I have a declared mental health issue, as I use to misuse alcohol (I have not drank for three years now!)

I think most would agree unemployed means working age not yet retired and not in employment.

Oh and not too sick to work, which are obviously aren't as you claim to do voluntary work.

KellyKoo

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.

Like I said in the other posts, the Type 2 is not the only reason for my restricted licence, it is also for a mental health issues / alcohol misuse with the latter two now being resolved.

KellyKoo

Silver-Surfer wrote: »

So you also have/had quite a serious mental health problem too.

How do you expect to get the right answers when you drip feed information?

When getting quotes for insurance, most people ask for the years of the restricted licence, i.e. 1 or 2 or 3 years. They don't ask for in depth information as to why the licence is restricted. Only one company have asked that, and that was Swinton who quoted over £8000!


Yes, I have had a serious mental health issues, which seems to be resolved. At the point of renewing my licence last year on medical grounds after a 1 year licence, I was given a three year licence. At that point I had experienced no problems with my diabetes, and had been mentally stable for 13 months and was coming off medication, as per the report my GP wrote to the DVLA.


I would like to think if remain stable when I am next reviewed in 2018, I will get back my licence without the need for another review.

KellyKoo

cajef wrote: »

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.

I wouldn't, I want the car to be mine, all mine and officially mine! Someone suggesting trying for a quote that way.

Silver-Surfer_2

KellyKoo wrote: »

When getting quotes for insurance, most people ask for the years of the restricted licence, i.e. 1 or 2 or 3 years. They don't ask for in depth information as to why the licence is restricted. Only one company have asked that, and that was Swinton who quoted over £8000!


Yes, I have had a serious mental health issues, which seems to be resolved. At the point of renewing my licence last year on medical grounds after a 1 year licence, I was given a three year licence. At that point I had experienced no problems with my diabetes, and had been mentally stable for 13 months and was coming off medication, as per the report my GP wrote to the DVLA.


I would like to think if remain stable when I am next reviewed in 2018, I will get back my licence without the need for another review.

So you've been alcohol dependant then?