What are my options?

chalky_bertie

Had to surrender my driving licence to the DVLA due to having an epileptic fit while in South Africa. Not driven since August 2007 and know my insurance is up for renewal. Do I have to tell the insurance company that I am not currently driving and keep my NCD? I would like to change insurance companies if the price is cheaper so can I still get insurance even though I have no licence? My wife drives the car aswell, so should I transfer the car to her name on the log book or just get her to insure the car as main driver and add myself when I return to driving? We also have another car which is in the wifes name.

Pew_Pew_Pew_Lasers!

If you insure her as a named driver, and she is the main driver, you are risking invalidating your insurance should the worst happen.

chalky_bertie

Thanks. My car only gets used about 10 days every month with the wife driving.

tinkerbell84

Insure it in her name - she is now the named driver.

You can't go on the policy till you have your license back.

You should also be able to pass any NCB you have over to her as well.

chalky_bertie

Don't suppose anyone else has had the same problem as me but when I get my licence back and I apply for insurance and asks you how long I have had my licence for do I tell them 1 year or from the time I started driving at 17?

tinkerbell84

chalky_bertie wrote: »

Don't suppose anyone else has had the same problem as me but when I get my licence back and I apply for insurance and asks you how long I have had my licence for do I tell them 1 year or from the time I started driving at 17?

depends what date is on the printed license.

i'd have thought it would be the earlier date.

Pew_Pew_Pew_Lasers!

The simple answer is that you explain the situation in full, and let them worry about it.

fallen_angel_69

when i applied and got my driving licence i had to inform the insurance company that i suffered epilepsy and the dvla allowed me to drive (you have to 1 yr fit free dvla contact dr to confirm this) my car insurance company said as long as i conformed to the dvla licencing rules they would not load my insurance policy,when you return to driving state that you ahve been driving since you were 17 and only lost your licence for 1 year because of this fit.in the meantime i would insure your car in your wifes name as like previous poster says you could risk invalidating you insurance policy

crawley_girl

Same situation for me too... roll on July 08 when I get my licence back!

My dad took my car and his insurance stipulated that the car be in his name for the purpose of his insurance policy, so signed it over him.

Re: insurance - they can't charge you more for insurance cos you have epilepsy under the DDA, but you need to disclose it to them, cos I believe your policy will be null and void if you had an accident.

I kept my ncd when I had my licence revoked 10 yrs ago and it was just a case of telling the insurers that I hadn't driven for the past year due to my ep and they just said fine and transferred it over from previous insurance co.

And finally... if you have been driving since you were 17, then that's how long you have been driving.

Be honest and upfront with the insurance company and they will be able to tell you the answers you need.

Are you a member of NSE forum? They are so lovely and supportive, don't know how I would have got throught this last year without them! PM if you want more details, although I think the site is temporarily down as some fool posted so offensive pics on there last week