Diagnosed with Type 2 Diabetes for 12 years and did not notify my car insurance until the end of July this year, when up for renewal. Reading an article on Diabetes UK, it said to inform the insurer when diagnosed. I was renewing with Direct Line and called their customer support number. Apparently, I did not need to inform them. If my GP and the DVLA are happy for me to drive, that is fine with them, the lady even checked with her supervisor. (If your GP or the DVLA were not happy, you would not get motor insurance any way). I did record the date and time, who I spoke with and what I was told, should it be required in the future. I suppose the best thing is to tell your insurer when diagnosed. If there is any issue, consider moving insurer. And keep a record of any conversations!
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Car Insurance and Type 2
- Thread starter Talacharn
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Alister
Well-Known Member
- Relationship to Diabetes
- Type 2
I drive a company car so I informed my fleet manager
the response was as long as I have not been advised not to drive that was ok.
I also informed them when the DVLA issued me with a 3 year medical licence (due to insulin) without any problems.
you should always inform your insurer of any medical conditions, they may not want to take any action but at least they know. Failure to inform could potentially invalidate your insurance just when you need it (& they are looking for an excuse to reject the claim)
the response was as long as I have not been advised not to drive that was ok.
I also informed them when the DVLA issued me with a 3 year medical licence (due to insulin) without any problems.
you should always inform your insurer of any medical conditions, they may not want to take any action but at least they know. Failure to inform could potentially invalidate your insurance just when you need it (& they are looking for an excuse to reject the claim)
JMyrtle
Well-Known Member
- Relationship to Diabetes
- Type 2
Once you inform your insurer they should write to you formally acknowledging you have raised blood sugar but that the raised level is insignificantly high to cause concern.
The NFU does this automatically when ever you advise them of any change of circumstances.
The NFU does this automatically when ever you advise them of any change of circumstances.
C&E Guy
Well-Known Member
- Relationship to Diabetes
- Type 1
I got the same response from Direct Line when I told them about my MS. They said they'd make a note but I had nothing to worry about.
However, trying to arrange a week's travel insurance for a trip to Spain next month (Insure & Go), I got the full "Spanish Inquisition" and even got asked the same things 2 or 3 times. So, if I'm safe to drive, am I more likely to get my holiday cancelled or my luggage lost???
novorapidboi26
Well-Known Member
- Relationship to Diabetes
- Type 1
You have been deemed fit to drive by the DVLA and so you are the same as any other driver....
JMyrtle
Well-Known Member
- Relationship to Diabetes
- Type 2
It's worth contacting the NFU about any insurances you need, you don't need to be a farmer on in an agricultural occupation they insure anyone.
They are a Friendly Society not an insurance company so provided you don't make a claim your premiums go gown every year and you can consolidate everything onto one policy.
I was referred to them by our local farmer about five years ago because Myrtle Cottage is so old that Asda who I was insured with then were having "airs and graces" ( rebuild costs, htf should I know!)
Anyway one call to NFU, quick discription of cottage " oh yes we insure hundreds of those Kent farm cottages" job done.
This year I paid just over £700.00 for home and contents, emergency call out, travel and motor insurance, and done forget I had a cancer diagnosis six years ago although that's over and done with now.
The other good thing is that all their branches are franchises so during office hours you are taking to local people who understand the area not a call centre in Bradford.
They are a Friendly Society not an insurance company so provided you don't make a claim your premiums go gown every year and you can consolidate everything onto one policy.
I was referred to them by our local farmer about five years ago because Myrtle Cottage is so old that Asda who I was insured with then were having "airs and graces" ( rebuild costs, htf should I know!)
Anyway one call to NFU, quick discription of cottage " oh yes we insure hundreds of those Kent farm cottages" job done.
This year I paid just over £700.00 for home and contents, emergency call out, travel and motor insurance, and done forget I had a cancer diagnosis six years ago although that's over and done with now.
The other good thing is that all their branches are franchises so during office hours you are taking to local people who understand the area not a call centre in Bradford.
Hi @Talacharn , good advice! Thanks for sharing this, it's interesting to hear your response from your insurers.
The guidance in relation to telling insurers is generally to do with disclosing information to them rather than being in relation to whether you are safe to drive. It's illegal for insurers to increase a premium based on your diabetes, without a clear and legitimate concern. So telling an insurer about your condition generally should not impact your rate or be a problem. The main reason to disclose it, is down to the fact that insurers may ask for 'diagnosed conditions', so not disclosing could nullify a future claim if you have not given all details.
It sounds like this may vary between insurance companies so it is good to hear your experience and I will feedback in case we need to update our guidance
The guidance in relation to telling insurers is generally to do with disclosing information to them rather than being in relation to whether you are safe to drive. It's illegal for insurers to increase a premium based on your diabetes, without a clear and legitimate concern. So telling an insurer about your condition generally should not impact your rate or be a problem. The main reason to disclose it, is down to the fact that insurers may ask for 'diagnosed conditions', so not disclosing could nullify a future claim if you have not given all details.
It sounds like this may vary between insurance companies so it is good to hear your experience and I will feedback in case we need to update our guidance
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