Car insurance - Discrimination

Adamski1982

Hi everyone,

Is it legal for a car insurance company to have a general policy that dismisses anyone who possesses a medically restricted licence? No ifs, no ands and no but. No room to discuss the circumstances of the restrictions as its just a flat out dismissal?

Thank you
Adamski1982

neilmcl

Adamski1982 said:

Hi everyone,

Is it legal for a car insurance company to have a general policy that dismisses anyone who possesses a medically restricted licence? No ifs, no ands and no but. No room to discuss the circumstances of the restrictions as its just a flat out dismissal?

Thank you
Adamski1982

Yes, insurance cover, and whether it's offered or not, is based on risk, and if that's the sole basis of the refusal then it's not discrimination.

Thrugelmir

No business has to do trade with anybody they don't wish to. 

neilmcl

Thrugelmir said:

No business has to do trade with anybody they don't wish to. 

So long as the reasons are not discriminatory.

Adamski1982

neilmcl said:

Adamski1982 said:

Hi everyone,

Is it legal for a car insurance company to have a general policy that dismisses anyone who possesses a medically restricted licence? No ifs, no ands and no but. No room to discuss the circumstances of the restrictions as its just a flat out dismissal?

Thank you
Adamski1982

Yes, insurance cover, and whether it's offered or not, is based on risk, and if that's the sole basis of the refusal then it's not discrimination.

Thanks for replying.

Even though they can't gauge the degree of risk because there's no room to discuss your restrictions with them?

neilmcl

Adamski1982 said:

neilmcl said:

Adamski1982 said:

Hi everyone,

Is it legal for a car insurance company to have a general policy that dismisses anyone who possesses a medically restricted licence? No ifs, no ands and no but. No room to discuss the circumstances of the restrictions as its just a flat out dismissal?

Thank you
Adamski1982

Yes, insurance cover, and whether it's offered or not, is based on risk, and if that's the sole basis of the refusal then it's not discrimination.

Thanks for replying.

Even though they can't gauge the degree of risk because there's no room to discuss your restrictions with them?

Of course they can gauge the risk, they are professionals at doing so, they don't need to discuss it with you.

If you honestly think you've discriminated against than make a formal complaint, followed by a complaint to the FOS.

Adamski1982

Thank you for your replies.

The reason I feel it's discrimination is that many of the people who possess medically restricted licences, such as myself, have disabilities covered under the Equality Act 2010 as a protected characteristic. To outright refuse anyone with a medically restricted licence who may be disabled is surely seen as discrimination against those protected characteristics?

thanks

neilmcl

Adamski1982 said:

Thank you for your replies.

The reason I feel it's discrimination is that many of the people who possess medically restricted licences, such as myself, have disabilities covered under the Equality Act 2010 as a protected characteristic. To outright refuse anyone with a medically restricted licence who may be disabled is surely seen as discrimination against those protected characteristics?

thanks

https://www.financial-ombudsman.org.uk/consumers/how-to-complain

Grumpy_chap

Adamski1982 said:

Thank you for your replies.

The reason I feel it's discrimination is that many of the people who possess medically restricted licences, such as myself, have disabilities covered under the Equality Act 2010 as a protected characteristic. To outright refuse anyone with a medically restricted licence who may be disabled is surely seen as discrimination against those protected characteristics?

thanks

How did you find out that cover has been refused because of medically restricted licence?

My wife has a medically restricted licence and never has any shortage of quotes through the comparison sites.

Adamski1982

Grumpy_chap said:

Adamski1982 said:

Thank you for your replies.

The reason I feel it's discrimination is that many of the people who possess medically restricted licences, such as myself, have disabilities covered under the Equality Act 2010 as a protected characteristic. To outright refuse anyone with a medically restricted licence who may be disabled is surely seen as discrimination against those protected characteristics?

thanks

How did you find out that cover has been refused because of medically restricted licence?

My wife has a medically restricted licence and never has any shortage of quotes through the comparison sites.

Hi,

It's openly written on their website as a criteria for all their policies as "No dvla license medical restrictions".
Thanks

neilmcl

Adamski1982 said:

Grumpy_chap said:

Adamski1982 said:

Thank you for your replies.

The reason I feel it's discrimination is that many of the people who possess medically restricted licences, such as myself, have disabilities covered under the Equality Act 2010 as a protected characteristic. To outright refuse anyone with a medically restricted licence who may be disabled is surely seen as discrimination against those protected characteristics?

thanks

How did you find out that cover has been refused because of medically restricted licence?

My wife has a medically restricted licence and never has any shortage of quotes through the comparison sites.

Hi,

It's openly written on their website as a criteria for all their policies as "No dvla license medical restrictions".
Thanks

Which insurer?

"No dvla license medical restrictions" doesn't mean no disabled drivers.