car insurance

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Lizzzie

Lizzzie

Well-Known Member
Relationship to Diabetes
Type 1
Do you tell your car insurance company that you are diabetic? Mine have never, ever asked about my medical background so I'm assuming it's not relevant (after all i've got a driving license) but -er - is it?
 
I felt the same as you, I am now on my partners insurance as I sold my car, and they know apparently......

The thing is it wont increase your premium, or shouldnt, if they do , go somewhere else..........say you did have a crash, diabetes related or not, if they found out they would use it to get out of paying, which defeats the purpose really.........so I would say, yes, tell them.............
 
Yes I told my insurance ,, they added a small charge ,, IF you have an accident and its your fault , eg , hypo and you havnt informed them , then it could put your insurance in jepody .
Ive also informed DVLA ,, im type 2 but on insulin ,,, so felt it my duty to ,, now i have to reaply for my licence every 3 years .
holiday insurance is another thing ive informed ,,, better to be safe than sorry.
:D
 
I think it would be a legal requirement. I've always told mine and used to have to fill in medical forms but now they just ask over the phone.

Hope someone can clarify the legal situation, since I'm only taking an educated guess.

Rob
 
Legally it's your responsibilty to infrom your insurance company..

It's actually ilegal for your insurance company to load your policy due to your dignoises, they can however charge you an admin fee for altering your policy...

It's also suposely ilegal for insurance companies to penilise diabetic drivers but they have there was of getting around this... Try runing your details through a comparision website, and see the difference between the quotes for diabetes and non diabetes!!!

And then tell me that diabetes makes no difference to cost of insurance..
 
The DVLA are the ones that are responsible for issuing licenses and so must check your ability to drive though medical checks, once confirmed and passed thats you up there with everyone else in terms of liability.........this should mean that no extra charge can be given...........but contractually they will shaft you for the tiniest thing, like witholding your diagnosis.....:D
 
All those years go when I was diagnosed - I was told I had to tell both the DVLA and my Car Insurance Company. I think the Insurance Company see it as a material fact.

Check your car Insurance as not telling them may nullify your Insurance. I suspect that if you call them and said you only just realised that they didn't know then they will be fine - after an accident and they may refuse to pay.
 
Lizzzie said:
Do you tell your car insurance company that you are diabetic? Mine have never, ever asked about my medical background so I'm assuming it's not relevant (after all i've got a driving license) but -er - is it?
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Yes, you should. It's more or less a legal requirement. I've just renewed my fully comp policy with a new insurance company and they told me that driving with diabetes type 2 isn't a problem in terms of insurance.

You are required to inform the if it's insulin controlled. Mine isn't but I informed the DVLNI anyway, just to be on the safe side.
 
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If you are Diabetic you need to inform the DVLA whether you are Type 1 or Type 2 as definately a Type 1 get issued with a medical driving licence which is changed 3 yearly instead of the normal. They get regular reports from your doctors on how your condition and stability is going. Also insurance companies who charge you extra knowing this fact is discriminating you so best to change. Diabetes UK do car insurance and also Diamond is good for women with diabetes. When I had my accident a couple of years ago, the first thing the officer did was a blood test - having to explain to him about how shock/stress changed your level was very hard and in his report he mentioned my diabetes first as a problem causing which it wasn't.
 
This is actually the latest DVLA guidance as of Feb 2011 - Chapter 3 is Diabetes related
http://www.dft.gov.uk/dvla/medical/ataglance.aspx

As far as telling insurance company, as others have said. It's a legal requirement to tell them. I told mine, they didn't even apply an admin charge.
 
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