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Check your car ins terms and conditions!

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Pumper_Sue

Pumper_Sue

Well-Known Member
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Type 1
Always a good idea to inform your car insurers if you have a medical condition that may affect your driving and is mandatory if you are on insulin so it shouldn't be a problem. Haven't heard of diabetes being a problem with car insurance.
I wouldn't expect alcoholics to notify their insurers would you?
 
Vicsetter said:
Always a good idea to inform your car insurers if you have a medical condition that may affect your driving and is mandatory if you are on insulin so it shouldn't be a problem. Haven't heard of diabetes being a problem with car insurance.
I wouldn't expect alcoholics to notify their insurers would you?
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By law you have to inform them.
But you can be arrested and charged with driving whilst under the influence of drugs if you are on insulin and hypo when involved in a car crash. I posted the link due to the wording of the amendments so people are aware 🙂
 
Pumper_Sue said:
By law you have to inform them.
But you can be arrested and charged with driving whilst under the influence of drugs if you are on insulin and hypo when involved in a car crash. I posted the link due to the wording of the amendments so people are aware 🙂
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No you don't but you will not have valid insurance if you don't and that is against the law. The terms that article talked about had nothing to do with diabetes, and most insurers have withdrawn or are withdrawing the stupid clause. I don't believe there is a criminal offence for not telling your insurers anything, it just voids your insurance.
 
Vicsetter said:
No you don't but you will not have valid insurance if you don't and that is against the law. The terms that article talked about had nothing to do with diabetes, and most insurers have withdrawn or are withdrawing the stupid clause. I don't believe there is a criminal offence for not telling your insurers anything, it just voids your insurance.
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Thought it was interesting that Zurich removed the exclusion when bought via a broker, but not if bought direct 🙄
 
Vicsetter said:
No you don't but you will not have valid insurance if you don't and that is against the law. The terms that article talked about had nothing to do with diabetes, and most insurers have withdrawn or are withdrawing the stupid clause. I don't believe there is a criminal offence for not telling your insurers anything, it just voids your insurance.
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Erm if you have insurance by falsely claiming you have no medical conditions then that is ilegal surely?
If you read the article it was saying driving whilst under the influence of drugs.
There are more than a few diabetics who have been jailed for driving whilst under the influence of drugs (insulin) after causing an accident.
Hence why I posted the article to make people aware of the situation.

People are free to read the article and make their own minds up about it.
 
Pumper_Sue said:
Erm if you have insurance by falsely claiming you have no medical conditions then that is ilegal surely?
If you read the article it was saying driving whilst under the influence of drugs.
There are more than a few diabetics who have been jailed for driving whilst under the influence of drugs (insulin) after causing an accident.
Hence why I posted the article to make people aware of the situation.

People are free to read the article and make their own minds up about it.
Click to expand...
I was just trying to point out that you were factually incorrect. You said that by law you had to inform your insurers, whereas there is no such law.

You will potentially get jailed for causing an accident whilst under the influence of other drugs or alcohol as well.

If you choose to drive without valid insurance then you are breaking the law because your insurance is not valid. For most car insurance policies it is a condition that you inform them of any condition which you have had to report to the DVLA as it may affect your driving (thus not only insulin users but those on other drugs that may induce hypos). I don't believe the article changed that fact at all.

I had already read the article and decided that it had interest but no particular relevance to diabetics, who are all advised to inform their insurance companies if their medical status changes.
 
It's not illegal to fib or withold material information, just that the insurers are then at liberty to cancel cover ab initio and that doesn't mean last renewal, it actually means (in Law) from the very day you took it out. Which could be tears ago. However, most insurers only backdate it to the date it became relevant ie if you went onto insulin last week, completely omitted to tell insuers and they found out in Spetember, they should only cancel it from last week.

But you are not entitled to any refund whatsover - you waived all your rights through misleading them.

This means that if they discovered it from you having a claim, you had no valid insurance at the time so you'll be in big trouble because that bit IS what is illegal.

Don't shoot the messenger - it's Insurance Law.
 
Actually you do break the law if you fib to an insurance company, you could get done for attempting to defraud!

But it's wise to have this pointed out and for us to check it out..

Because your insurance certificate is a legally binding contract between yourself and you insurer... Hence why at the beginning of the small print/conditions they define common words such as 'we' 'you' and several more to ensure clarity to aspects of the legal document that could be interpreted in various ways..

But it seems in this case, The insurance company have failed to define 'under the influence of alcohol and drugs' in a legal context... Which means that it can be taken either way it could mean 'any' or 'with consideration of legal limits and legality of said drug'

And unless the insurance company 'defines' what it actually means and what context it would be applied. Then it would be left to a battle in High Court to set a precedence to what this term legally meant in the context of a legal insurance document... Which would actually be a civil case which you would have to self-fund...

Yes diabetes can and do get done under the Road Traffic Act for either one or more of the following, driving under the influence, Driving without due care, Dangerous Driving, Death by dangerous driving and Driving without insurance...

A lot of what you might get done with, depends whether you've told your insurance company, how they accident happened, and whether it's decided that you prior to driving taken effective actions of control of your medical condition.. That would normally ensure that you are safe to drive.
 
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