Car insurance and medical conditions

BooJewels

happyandcontented wrote: »

Not until there has been an actual refusal of insurance.

So, if we get up early tomorrow, order a taxi, rob a bank for the funds, choose and test drive a car and get it insured before the email comes in, we're good!

Sounds like a plan. That's our Monday sorted then.

Quentin

BooJewels wrote: »

Is not just about driving this car at this time - blooming inconvenient that it is - but what the repercussions might be to other car insurance if he's refused this cover. Even if we get a taxi to a local car dealer tomorrow and buy our own vehicle, will this potential refusal of cover prevent him insuring it?

Depending on how many vehicles/drivers are involved the company insurance may be a blanket policy with no named drivers


I.E. it covers anyone driving with the company's permission


(In which case the company decides what criteria they use, and any decision they take to stop covering a particular employee won't affect future personal policies)


But it's a question for your husband to ask his employer if he now wants to take out a policy and is unsure if this current "driving ban" is insurance related and has to be disclosed - if it is, then he can ask for confirmation in writing and take it from there

BooJewels

Quentin wrote: »

Depending on how many vehicles/drivers are involved the company insurance may be a blanket policy with no named drivers

That has been our assumption, due to the way things happen in a normal week, they do drive each others vehicles periodically.

(In which case the company decides what criteria they use, and any decision they take to stop covering a particular employee won't affect future personal policies)

Indeed - if it's a company decision insurers wouldn't know anything about it, so we wouldn't expect it to impact wider than his employment. But it's certainly being presented as an insurance requirement - not a company one.

But it's a question for your husband to ask his employer if he now wants to take out a policy and is unsure if this current "driving ban" is insurance related and has to be disclosed - if it is, then he can ask for confirmation in writing and take it from there

That was what we'd already decided to do. If it is an insurance refusal, we need that confirming in writing by the insurer, as the wider implications for him and future employment etc are considerable.

I'm not actually sure how a refusal could be justified as the DVLA aren't interested and he has more than one medical report stating that he's fit to drive (and how many drivers reading this today could say the same). Insurers can presumably refuse anyone they want, but they must have guidelines to work within, determined by law and published policies.

sheramber

Having an aeasthetic does ned to be reported to the DVLA but should be advised to your insurance company who may restrict your cover.

Some say no driving for 4 or 6 weeks , other say no driving until you can safely carry out an emergency stop.

BooJewels

sheramber wrote: »

Having an aeasthetic does ned to be reported to the DVLA but should be advised to your insurance company who may restrict your cover.

Some say no driving for 4 or 6 weeks , other say no driving until you can safely carry out an emergency stop.

He hasn't had an anaesthetic or surgery, if that's what you meant. I'm not sure that it does need reporting to the DVLA - I think in most surgical cases, the doctors would advise the patient how long they shouldn't drive and the patient would honour that.

Our concern is the long term implications of an insurer potentially refusing him cover for a lifelong condition, which the DVLA have already said they're not bothered about.