Getting a car, what is the process?

elsien

The page for professionals assessing the impact of schizophrenia says the following for a car licence:

Licensing may be considered if all of these conditions are met:

■ remained well and stable for at least 3 months
■ adheres adequately to any agreed treatment plan 
■ free from any medication effects that would impair driving
■ subject to a suitable specialist report being favourable.

Continuing symptoms: even with limited insight, continuing symptoms do not necessarily preclude licensing.

However a lack of insight which impacts upon the ability to drive safely would be a bar to licensing. 

Symptoms should be unlikely to cause significant concentration problems, memory impairment or distraction while driving.

So they’ll be needing to check with someone who knows you/your treatment well enough at some point.

venomx

elsien said:

The page for professionals assessing the impact of schizophrenia says the following for a car licence:

Licensing may be considered if all of these conditions are met:

■ remained well and stable for at least 3 months
■ adheres adequately to any agreed treatment plan 
■ free from any medication effects that would impair driving
■ subject to a suitable specialist report being favourable.

Continuing symptoms: even with limited insight, continuing symptoms do not necessarily preclude licensing.

However a lack of insight which impacts upon the ability to drive safely would be a bar to licensing. 

Symptoms should be unlikely to cause significant concentration problems, memory impairment or distraction while driving.

So they’ll be needing to check with someone who knows you/your treatment well enough at some point.

Ok thanks!  It also says something about if you have an acute mental illness then you can't drive ? I have had paranoid schizophrenia for 7 years but is managed fairly well with meds 

elsien

I think acute in that sense means going through a crisis, as opposed to being stabilised.

venomx

Filled out the form. Going to wait until I see my psychiatrist next so I can discuss with them.

There is a chance I'd have to resit my test, go to an assessment or have an eyesight test which I hope i dont !

venomx

I have checked some insurance quotes out just to see if I'd still get insurance and I will. However if the DVLA give me a " restricted license " then it will drive the cost up a fair bit.
I might get a 1, 2 or 3 year license or hopefully an unrestricted one 

venomx

When I do come to buying the car, would it be best to speak to the bank before ( as it’s a large transaction ) to declare it to them ? There must be some security questions which is fine as it’s a large transaction

NottinghamKnight

You can contact the bank but they won't be very interested. I bought a car a few months ago, deposit on credit card and then bank transfer for the remainder, had to do two payments as Nationwide have a £10k transaction limit but all went through in a few minutes. A few years ago I contacted the bank before a similar purchase and they said they'd note it on my file but I simply turned up and paid by debit card, transaction went straight through. 

venomx

Ok great. Most official dealerships would accept card right? 

macman

Debit card: yes, why wouldn't they? The transfer should be nearly instant, if within the daily limit, and cannot be reversed.
Credit card: most dealers do not accept CC's, due to the fees levied. 
As above, always put the deposit down on a CC so as to get S75 protection.

elsien

Venomx, apologies if I’m getting you mixed up with someone else, but did you not used to have an appointee?
If so, you would probably need to talk to them about it as well.