Car insurance renewal -Medical Issue

rubble2

Back story - in November 2024 I suffered a seizure in the early hour of the morning, got taken to hospital - lots of tests carried out but no firm conclusion as to the cause.

Subsequently I got referred for further tests over the following few months but nothing conclusive. In early April 2025 I had a similar incident, again overnight, and I was referred to a consultant Neurologist who diagnosed 'Nocturnal Epilepsy' he prescribed medication to control the condition and I have had no further seizures since.

Upon diagnosis I was told to inform the DVLA about the issue which I did - I filled in an online questionaire which gave full information on my condition -this would have been May 2025. I received feedback saying that they would get back in touch once they had reviewed my case but that I was ok to drive in the meantime.

Because of the referral to DVLA I contacted my Insurer to update them, and they made a note that he DVLA were aware and put it on my policy notes.

In August 25 I received a letter back from DVLA saying that I should no longer drive and should surrender my licence which I did, and immediately stopped driving. They also stated that I could apply for the reinstatement of my licence 12 months on from the first incident so November 25, which I have done (still ongoing).

I have now recieved my renewal notice from my insurer which notes that I have a medical condition but no restrictions on my licence (as per the information I had given them).

I have no intention of driving of course until I am in receipt of my licence which I believe will have no restrictions attached.

Should I therefore just leave things as they are and inform the insurer if my licence comes back with restrictions attached and if not just let things carry on as before and start driving again with a full unresricted licence?

Thanks

TELLIT01

Why didn't you inform DVLA after the first seizure? For example, did doctors tell you that you were OK to continue driving and there was no need to inform DVLA.

Torry_Quine

https://forums.moneysavingexpert.com/discussion/comment/81970899#Comment_81970899

I thought that too. Any seizure should mean no driving

sheramber

Have you not notified your insurance that your licence has been surrendered as advised by DVLA?

rubble2

I must confess that having notified the insurer about the initial diagnoses and having stopped driving once instructed to do so by DVLA I didn't update the insurer about the licence surrender as I was not using the car.

Being in the position now of approaching insurance renewal I will on reflection inform the insurer of the licence surrender in order to maintain at least accidental damage cover although the car is premanently parked on the drive.

MyRealNameToo

Under the law (CIDRA) they would be entitled to void your policy and avoid any claim were they to find out you have made an intentional or reckless false declaration (which includes failing to advise them of changes). If it's accepted it is only careless then it comes down to if they would have insured you had you made a true declaration or not.

The missed/false declaration doesnt have to have anything at all to do with the incident or claim.

If they would bother to check your licence in the event of a claim being made is another question but you should be aware of the risks you're running if you decide to "forget" to mention it.

There are certain other circumstances (namely someone takes your car, damages others (people or vehicles) and are caught or the handbrake fails and it rolls into the road) where your insurers may be legally obliged to deal with a third party claims and would have a right of recovery against you if they have voided your policy.