Insurance loading due to mild dementia?

Dover9

I have just been diagnosed with “Mild vascular dementia” a DLVA reportable issue. I have a group 31 car (and clean licence) how much will my premium go up? Could current insurer withdraw my cover? No not asked insurance company yet as after living opposite to an insurance executive have little faith in their integrity. 

Keithy13

I have a relative also recently diagnosed. Called the insurance and they said no problem unless DVLA has advised not to drive.

DullGreyGuy

We never rated on the condition itself. If you've mad modifications to the vehicle to deal with the condition (eg hand operated controls for those that have lost use of legs then those are factored in as it impacts the vehicles value. 

sevenhills

Keithy13 said:

I have a relative also recently diagnosed. Called the insurance and they said no problem unless DVLA has advised not to drive.

Looking at the possible symptoms I am surprised.

victor2

I had a DVLA reportable condition many years ago. Reported it and did an assessment test, which concluded I was fine to drive without aides. DId eventually get a letter from DVLA saying I could retain my driving licence unchanged and to keep the letter in case I was ever asked if I was cleared to drive. Nobody (including insurance companies) ever has, so it had no effect whatsoever on my premiums. Did take the best part of a year to sort out though and during that time I could not drive as I had reported the condition to the DVLA!

Barkin

Keithy13 said:

I have a relative also recently diagnosed. Called the insurance and they said no problem unless DVLA has advised not to drive.

Same with my father-in-law. As long as he'd advised DVLA, and they hadn't said that he couldn't drive, his insurance people weren't interested. 

Dover9

Thanks for all the contributions!

John

Mildly_Miffed

Insurers only care about how likely your business is to cost them money.

If they think the medical condition makes you a higher risk - they'll charge you more. They base this on a ton of actuarial data.

Okell

Dover9 said:

Thanks for all the contributions!

John

Have you reported it to DVLA?

Dover9

Okell said:

Dover9 said:

Thanks for all the contributions!

John

Have you reported it to DVLA?

I have just done this. 

UncleZen

When you are diagnosed, as the OP said, this is reported to dvla, who will allow you to drive for 1 year, after which you have to have a driving assessment done by your gp. This repeats annually until the gp decides you are unfit to drive, they then inform dvla and you are notified by dvla that they have revoked your licence, you have 6m to appeal in a local court.