Insulin and motor insurance

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Finwiz

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Am Type 2 and have been put on once a day insulin now (together with metformin). My car insurance is coming up for renewal shortly. Appreciate premiums rise but does Insulin usage now likely to increase my insurance?

Is the Travel insurance premium likely to rise due to Insulin? If so, are there recommended companies to try?
 
I presume you have informed DVLA as you should now be issued with a restricted licence (subject to meeting other requirements) . The restricted licence will need to be declared to the insurer, but should not result in an increased premium.

For travel insurance you really just have to shop around. There are some useful comparison sites specialising in medical conditions. Start by having a look at Money Saving Expert
 
I use AllClear for travel insurance. They cover pre-existing medical conditions and you can choose your level of cover. I’ve used them a number of times.
 
I presume you have informed DVLA as you should now be issued with a restricted licence (subject to meeting other requirements) . The restricted licence will need to be declared to the insurer, but should not result in an increased premium.

For travel insurance you really just have to shop around. There are some useful comparison sites specialising in medical conditions. Start by having a look at Money Saving Expert
DVLA informed but not heard from them yet. Will disclose it to Insurers as well - hopefully car premium will not go up!
 
Am Type 2 and have been put on once a day insulin now (together with metformin). My car insurance is coming up for renewal shortly. Appreciate premiums rise but does Insulin usage now likely to increase my insurance?

Is the Travel insurance premium likely to rise due to Insulin? If so, are there recommended companies to try?
Car insurance won’t go up but you need to change your driving license to a medically restricted one and change your licence type on car insurance to medically restricted license
 
Car insurance won’t go up but you need to change your driving license to a medically restricted one and change your licence type on car insurance to medically restricted license
"car insurance to medically restricted one" What does this mean please?
 
"car insurance to medically restricted one" What does this mean please?
It just means that if you have notified the DVLA (as you have, I see) they will eventually issue you with a licence that last for 3 years, (and you will have to renew it every 3 years) so when you insure your car, either you tell them, or they will see for themselves if you provide them with your driving licence number, that you have got a licence restricted to three years, on medical grounds.
This has never made a difference to the cost of my Insurance.
 
Hello - I am T2 and am thinking of discussing with DN to go on to insulin and wanted to ask about license and insurance. So, in the restricted UK license, the only change would be the duration and nothing else - is my understanding correct? Many Thanks!
 
Hello - I am T2 and am thinking of discussing with DN to go on to insulin and wanted to ask about license and insurance. So, in the restricted UK license, the only change would be the duration and nothing else - is my understanding correct? Many Thanks!
Depends what license you have. It is just for driving cars, there is no change. If it includes larger vehicles there may be some limitations
 
Depends what license you have. It is just for driving cars, there is no change. If it includes larger vehicles there may be some limitations
Thanks! I just have the general driving license (not commercial driving). Will start the discussion with DN reg insulin options and see what they come back with 😉.
 
Thanks! I just have the general driving license (not commercial driving). Will start the discussion with DN reg insulin options and see what they come back with 😉.
Have you tried all other options in terms of diet and oral medications. If you are home testing and eliminate meals which are causing a big increase in blood glucose from before to 2 hours after eating that may improve your HbA1C. There are certain rules for driving if taking insulin in terms of testing before you drive.
INF294 is a document issued by the DVLA about driving when taking insulin.
 
Have you tried all other options in terms of diet and oral medications. If you are home testing and eliminate meals which are causing a big increase in blood glucose from before to 2 hours after eating that may improve your HbA1C. There are certain rules for driving if taking insulin in terms of testing before you drive.
INF294 is a document issued by the DVLA about driving when taking insulin.
I think so. I am pretty good with my diet. I even managed to go into a stage where I didn't need to take gliclazide for a while, but then I drifted slowly back into bad habits. Now I am an 1000mg met and 30 mg blixona (slow release glic) twice a day. I eat pretty healthy most days, but haven't managed to make much of a dent on my BG levels. Hence thinking of going insulin. I have been T2 diabetic for almost 23 years.
Thanks for the doc. I will take a look at it as well.
 
I think so. I am pretty good with my diet. I even managed to go into a stage where I didn't need to take gliclazide for a while, but then I drifted slowly back into bad habits. Now I am an 1000mg met and 30 mg blixona (slow release glic) twice a day. I eat pretty healthy most days, but haven't managed to make much of a dent on my BG levels. Hence thinking of going insulin. I have been T2 diabetic for almost 23 years.
Thanks for the doc. I will take a look at it as well.
Since your diagnosis ideas have changed in terms of what dietary approach can help with blood glucose levels. Sometimes people feel they have a 'healthy' diet but that can be too high in carbohydrates for many to tolerate despite several medications. It is said that caution is needed about adopting a low carb approach if taking gliclazide but there may be some modification you could make to help.
Doing some strategic testing of your meals could help you eliminate things that are too high carb for you to tolerate.
This link may give you some ideas for moving forward. https://lowcarbfreshwell.com/
 
Depends what license you have. It is just for driving cars, there is no change. If it includes larger vehicles there may be some limitations
There are other limitations with the car restricted licence eg when you can and can’t drive depending on your blood sugars
 
I think so. I am pretty good with my diet. I even managed to go into a stage where I didn't need to take gliclazide for a while, but then I drifted slowly back into bad habits. Now I am an 1000mg met and 30 mg blixona (slow release glic) twice a day. I eat pretty healthy most days, but haven't managed to make much of a dent on my BG levels. Hence thinking of going insulin. I have been T2 diabetic for almost 23 years.
Thanks for the doc. I will take a look at it as well.
There’s loads of other diabetes medications you would normally try before insulin as well as those you’re on
 
Since your diagnosis ideas have changed in terms of what dietary approach can help with blood glucose levels. Sometimes people feel they have a 'healthy' diet but that can be too high in carbohydrates for many to tolerate despite several medications. It is said that caution is needed about adopting a low carb approach if taking gliclazide but there may be some modification you could make to help.
Doing some strategic testing of your meals could help you eliminate things that are too high carb for you to tolerate.
This link may give you some ideas for moving forward. https://lowcarbfreshwell.com/
Thanks! I am low carb 95+% of the time. I don't eat rice, potatoes, carb, etc. I have a good grasp on carb stuff. The one thing that I have not done exhaustively is to try to see which foods trigger my BG more than the others. My biggest issues is that I tend to binge eat on snacks (healthy and unhealthy), not all the time, but once a week or so.
Otherwise, I have been low carb for more than a decade. I cook my own meals almost from scratch. I just think as I am getting older and with all the things that are going on in life, my body is changing the way it reacts. Lowering my BG is just different to how it was for me a few years ago, which was a lot different to how it was nearly 11 years ago. On both occasions I managed to bring my BG to be normal (5 mmol) and sustained it for almost a year.
Will look at low carb fresh well again, as there could be some new tips and tricks.
 
There’s loads of other diabetes medications you would normally try before insulin as well as those you’re on
You mean like pioglitazones? I am happy to try other medication, but from what I have read (a few years ago), metformin and gliclazide are considered to be the most safest or prone to less side effects for the vast majority (I am aware that they do not work for a few people). So, will be interested in suggestions on what other medication is worth trying before going to insulin.
 
It just means that if you have notified the DVLA (as you have, I see) they will eventually issue you with a licence that last for 3 years, (and you will have to renew it every 3 years) so when you insure your car, either you tell them, or they will see for themselves if you provide them with your driving licence number, that you have got a licence restricted to three years, on medical grounds.
This has never made a difference to the cost of my Insurance.

Just checked with my Car insurance company prior to renewal. They check with DVLA for restrictions (if any) and are ok with me driving provided my DSN / GP are ok with it. No impact on premium.
 
Just checked with my Car insurance company prior to renewal. They check with DVLA for restrictions (if any) and are ok with me driving provided my DSN / GP are ok with it. No impact on premium.
That's great! Thanks for confirming! I will check with my car insurance as well!
 
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