Massive insurance hike due to condition.

[samdurrant5]

Hi all.

Recently, I have tried to get quotes for my next car. I fancied a bit of an upgrade, and my car is quite old now.

I tried to insure my new car, so i put all of my relevant information in, etc etc but forgot about my T1. Luckily i spotted this mistake and requoted.

I was (without my restriction) quoted £80 a month on an admiral policy with no black box.

With my restriction, this jumped to £230-250 on a no box policy. Even the box policies were more expensive.

For reference, this would be my second year of driving.
I have never been admitted to hospital or received any special help due to hypoglycaemia since I was diagnosed 13 years ago (I am now 19).
The only change is my disability.
Is this even legal?
Is it worth calling brokers and explaining, is this normal? It seems wildly unfair that I should not be able to enjoy reasonable premiums with a controlled condition purely because I count as disabled.

I currently hold a 3 year restricted DVLA license. I tried quotes for 5 year restrictions just out of curiosity and the case was still that my insurance would cost me nearly the triple amount.

It baffles me that, since I am entitled to no benefits, i can be charged so much more. It feels so discriminatory!

Any advice appreciated, thank you!

 

[Inka]

I’m sure it is discrimination @samdurrant5 As you say, I didn’t think they were allowed to increase premiums for diabetes. What did the quote form actually ask?

See here:

Insurance and diabetes

Most people living with diabetes have encountered difficulties arranging insurance, whether it is life assurance, income protection and family income benefit insurance or travel insurance. Please note: this section aims to provide you with general information to assist in obtaining insurance. It...

www.diabetes.org.uk

Frankly, I’d try another insurance company. I had no problems with mine.

 

[Martin.A]

You might find this useful:-

Having diabetes can mean that your insurance premiums are higher, but shop around and you could help to offset the extras charged by the insurance companies.

Having diabetes can mean that your insurance premiums are higher, but shop around and you could help to offset the extras charged by the insurance companies.

www.diabetes.co.uk

 

[everydayupsanddowns]

Maybe worth you calling the DUK Helpline next week @samdurrant5 ?

It does sound discriminatory, and was a pretty huge increase which I find surprising.

The Helpline is open Mon-Fri 9-6 on 0345 123 2399, and the advisers may be able to clarify the legal position, and suggest some ways forward. Shopping around certainly does seem worthwhile, and to have the ‘black box’ policies even more expensive makes no sense at all!

 

[Lucyr]

I was (without my restriction) quoted £80 a month on an admiral policy with no black box.

With my restriction, this jumped to £230-250 on a no box policy. Even the box policies were more expensive.

That’s not how insurance works. You must have changed something else too.

 

[samdurrant5]

That’s not how insurance works. You must have changed something else too.

No, I simply went onto the comparison site, and changed the “are there any conditions you need to notify the dvla of” and selected “yes” rather than “no” and then selected the 3 year license option. No other changes.

 

[samdurrant5]

Maybe worth you calling the DUK Helpline next week @samdurrant5 ?

It does sound discriminatory, and was a pretty huge increase which I find surprising.

The Helpline is open Mon-Fri 9-6 on 0345 123 2399, and the advisers may be able to clarify the legal position, and suggest some ways forward. Shopping around certainly does seem worthwhile, and to have the ‘black box’ policies even more expensive makes no sense at all!

Definitely sounds worth a shot, thank you!

 

[samdurrant5]

I’m sure it is discrimination @samdurrant5 As you say, I didn’t think they were allowed to increase premiums for diabetes. What did the quote form actually ask?

See here:

Insurance and diabetes

Most people living with diabetes have encountered difficulties arranging insurance, whether it is life assurance, income protection and family income benefit insurance or travel insurance. Please note: this section aims to provide you with general information to assist in obtaining insurance. It...

www.diabetes.org.uk

Frankly, I’d try another insurance company. I had no problems with mine.

Hi!

This was through a comparison site, wonder if its worth calling a broker directly with an explanation of the condition over the phone rather than just putting the fact that I have a disability the DVLA need to be aware of on an online form…

 

[samdurrant5]

You might find this useful:-

Having diabetes can mean that your insurance premiums are higher, but shop around and you could help to offset the extras charged by the insurance companies.

Having diabetes can mean that your insurance premiums are higher, but shop around and you could help to offset the extras charged by the insurance companies.

www.diabetes.co.uk

Hi!

I have tried various comparison sites and unfortunately they point me to a similar result, i’m thinking it’s got to be worth calling a broker directly with an explanation of my condition and its state. It seems baffling that a relatively perfectly controlled condition is causing such a gigantic hike!

Thanks
Sam

 

[Lucyr]

, I simply went onto the comparison site, and changed the “are there any conditions you need to notify the dvla of” and selected “yes” rather than “no” and then selected the 3 year license option. No other chan

You’re absolutely doing something wrong, either changing the start date, changing other details, or filling in the driving penalties box instead of the medical restrictions box. I’ve done some checks and absolutely no changes in price or order of quotes returned whatsoever.

 

[Lucyr]

If you want to find out what you’re doing wrong though, get the quote reference of the before and after your change for two quotes with the same company, call them up and ask them to investigate and explain the difference. They might need to take it away and come back to you but they will then explain what details you entered differently.