About To Buy My First Car!

KellyKoo

Silver-Surfer wrote: »

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.

You see that is very judgemental. I did voluntary work to keep me busy for a charity, because I was not capable of working in paid employment. I needed to do something to stop me going mad being cooped in my home all day. I was so unstable at one point I was escorted out of my voluntary job by the manager and sectioned by the crisis team next door, I volunteered in the hospital.


I may be sick, but I have worked hard at getting better, having spent 18 months under a private psychiatrist (paid for by my parents) and then being lucky to get long term therapy on the NHS which I committed myself to for 18 months, twice a week. This was then followed up with support for 18 months and booster sessions. I was finally discharged from my CPN and Psychiatrist 8 months ago.


During my time claiming sickness benefits (having worked from the age of 16, I feel I have contributed to society) I've been sectioned twice, admitted as a voluntary patient on 12 occasions and attempted suicide twice. As you might guess, paid employment might have been a problem when I was ill. I actually walked from my paid job in a suicidal state and was sectioned later that day back in 2009. Prior to leaving paid work I had been sick, engaged with work psychologists and returned on a phased basis, but it didn't help, back then I and people around me didn't realise the extent of my mental health issues.


I've been lucky that the voluntary work I have done has been for a mental health charity, so if I have been unable to work because I was unwell, it was accepted by the management and other volunteers who became my friends. Working with others who experienced mental health problems made it often easier to accept my own problems, without the support of those in my voluntary job I perhaps would not be here now.


Now what do you think about people who can't do paid work but can do voluntary work.

Silver-Surfer wrote: »

So you've been alcohol dependant then?

No, never I misused alcohol when I was unwell, often drinking to excess and overdosing at the same time, again something I have not done for almost 3 years.

Silver-Surfer_2

KellyKoo wrote: »

You see that is very judgemental. I did voluntary work to keep me busy for a charity, because I was not capable of working in paid employment. I needed to do something to stop me going mad being cooped in my home all day. I was so unstable at one point I was escorted out of my voluntary job by the manager and sectioned by the crisis team next door, I volunteered in the hospital.


I may be sick, but I have worked hard at getting better, having spent 18 months under a private psychiatrist (paid for by my parents) and then being lucky to get long term therapy on the NHS which I committed myself to for 18 months, twice a week. This was then followed up with support for 18 months and booster sessions. I was finally discharged from my CPN and Psychiatrist 8 months ago.


During my time claiming sickness benefits (having worked from the age of 16, I feel I have contributed to society) I've been sectioned twice, admitted as a voluntary patient on 12 occasions and attempted suicide twice. As you might guess, paid employment might have been a problem when I was ill. I actually walked from my paid job in a suicidal state and was sectioned later that day back in 2009. Prior to leaving paid work I had been sick, engaged with work psychologists and returned on a phased basis, but it didn't help, back then I and people around me didn't realise the extent of my mental health issues.


I've been lucky that the voluntary work I have done has been for a mental health charity, so if I have been unable to work because I was unwell, it was accepted by the management and other volunteers who became my friends. Working with others who experienced mental health problems made it often easier to accept my own problems, without the support of those in my voluntary job I perhaps would not be here now.


Now what do you think about people who can't do paid work but can do voluntary work.





No, never I misused alcohol when I was unwell, often drinking to excess and overdosing at the same time, again something I have not done for almost 3 years.

Do you still think insurance companies are discriminating against you when it comes to getting behind the wheel?

KellyKoo

Silver-Surfer wrote: »

Do you still think insurance companies are discriminating against you when it comes to getting behind the wheel?

Yes, especially when I have been stable for close to three years.

warehouse

Am I the only one who's thinking this is a wind up.

NBLondon

Kelly,


I wish you all the best in getting a job and putting your past troubles behind you - but the insurance companies are perfectly within their rights to discriminate based on what you tell them. Even though your last three years suggests you are getting your life back in order - insurance works on statistics and risk and you and your history are a higher risk than someone of the same age/driving experience/postcode without those factors.


Like foxy-stoat says - you might be better off getting the cheapest car/insurance combination you can, building up some no-claims and possibly getting off the restricted licence in a few years time; so that you will then be in a much better position to get a car you enjoy.

KellyKoo

warehouse wrote: »

Am I the only one who's thinking this is a wind up.

It is not a wind up, I can assure you of that.

NBLondon wrote: »

Kelly,

I wish you all the best in getting a job and putting your past troubles behind you - but the insurance companies are perfectly within their rights to discriminate based on what you tell them. Even though your last three years suggests you are getting your life back in order - insurance works on statistics and risk and you and your history are a higher risk than someone of the same age/driving experience/postcode without those factors.


Like foxy-stoat says - you might be better off getting the cheapest car/insurance combination you can, building up some no-claims and possibly getting off the restricted licence in a few years time; so that you will then be in a much better position to get a car you enjoy.

Thank you.


And thanks to everyone else who contributed some good advice. I've decided to walk away for now from the car I found, will leave it for a few months, save a little more, get back into some voluntary work and maybe look around six months down the line. For now I will continue to drive the other car I am named on, gain some experience. Might even look at doing the Pass Plus course as well!

[Deleted User]

KellyKoo wrote: »

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!)[/QUOTE

some hypos are also known as "false Hypos " which are not that dangerous. They BS levels may drop to around 3.3 max, then the body kicks in to stop it going lower. I ve had one myself when I used my Aunts Metformin once when I had run out which were stronger. The same levels can be reached on long term fasting diets. A type 1 Hypo is a different kettle of fish and reaches lower than 2 where they can black out and die.
Causing low blood sugar is nt a proper hypo, and can not be described as that. I m using the older type of blood sugar level index which seems to be out of use now in favour of the new percentage system. So sorry but meds on type2 cannot produce the dangerous hypos of type 1, they can go low but not dangerously low where someone blacks out and dies..approx 3.3 is the limit, and OP you cannot claim to have a disabilty as a type 2 diabetic..

mgfvvc

KellyKoo wrote: »

For now I will continue to drive the other car I am named on, gain some experience. Might even look at doing the Pass Plus course as well!

If you have been a named driver with the right insurers they will give you an NCD for your time as a named driver. Most insurers won't, but some do. If not, when the policy comes up to renewal, perhaps it could be moved to an insurer that does.

Also. a good broker, if you can find such a beast, may be able to guide you on what the problem areas are and how to address them. Also they may have direct access to underwriters and be able to negotiate on your behalf instead of having to accept whatever the standard quote system comes up with.

butterfly72

sacsquacco wrote: »

KellyKoo wrote: »

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!)[/QUOTE

some hypos are also known as "false Hypos " which are not that dangerous. They BS levels may drop to around 3.3 max, then the body kicks in to stop it going lower. I ve had one myself when I used my Aunts Metformin once when I had run out which were stronger. The same levels can be reached on long term fasting diets. A type 1 Hypo is a different kettle of fish and reaches lower than 2 where they can black out and die.
Causing low blood sugar is nt a proper hypo, and can not be described as that. I m using the older type of blood sugar level index which seems to be out of use now in favour of the new percentage system. So sorry but meds on type2 cannot produce the dangerous hypos of type 1, they can go low but not dangerously low where someone blacks out and dies..approx 3.3 is the limit, and OP you cannot claim to have a disabilty as a type 2 diabetic..

I've been reading this with interest and didn't really want to reply, but after this response feel I ought given that there are a number of people reading this with type 2 diabetes.


Clinically a hypo is a blood glucose level below 4 mmol/l. This is for a type 2 on certain oral medications, non-insulin injectable or insulin treatment. This also applies to type 1 - which of course is treated by insulin.


All hypos can be equally dangerous for a type 2 or type 1 and a blood glucose level below 4 mmol/l should be treated as a hypo and treated immediately. Your mention of the body kicking at 3.3mmol/l to stop blood glucose levels going any lower is dangerous information and might imply to someone that they do not need to treat their hypo.

Haylescom

All insurance companies are different when it comes to determining what they are willing to cover and for how much. Life insurance is exactly the same; some will keep your premiums the same as anyone else, some will top load the cost by 100% and others won't touch you with a barge pole. They won't consider how long you've been well for as the risk is still in place (I've been symtom frew from Ulcerative Colitis for nearly 4 years but it doesn't matter ).
It doesn't make it discriminatory, it's just a different regulation.
I hope you manage to get yourself a reasonable quote for a suitable car!