Insurance/epilepsy...

[Joffery666]

Hi chaps/ladies

Quick question, was diagnosed with epilepsy not long ago, meaning I had to 'surrender' my licence to dvla. So I'm obviously not going to be driving for the foreseeable future, but the car me and the Mrs shared (her car, registered on her name) was insured with me as the policy holder and the Mrs as second driver (ncd reasons, plus I drove it more than her).
Do I NEED to tell my insurance company of my illness? Even though I wouldn't be driving..., if anything was to happen, it would be the Mrs driving.

Obviously the reason I ask is that I've a feeling premium will rocket, but if legally I need to, or it'll void the policy, then I'll either having just my mrs insured as the lone policyholder, or tell the insurance company, and see what the price shoots upto (whichever is cheaper).

Thanks.

[Riley Blue]

We changed my O/H's car's insurance (she is currently not driving for a year because of epilepsy) to my name when her licence was revoked and will add her as a second driver when she gets her licence back in November. We'll tell the insurer about her condition, just as we would have to for any other disability.

[ZOLLAR]

Joffery666 said:

Hi chaps/ladies

Quick question, was diagnosed with epilepsy not long ago, meaning I had to 'surrender' my licence to dvla. So I'm obviously not going to be driving for the foreseeable future, but the car me and the Mrs shared (her car, registered on her name) was insured with me as the policy holder and the Mrs as second driver (ncd reasons, plus I drove it more than her).
Do I NEED to tell my insurance company of my illness? Even though I wouldn't be driving..., if anything was to happen, it would be the Mrs driving.

Obviously the reason I ask is that I've a feeling premium will rocket, but if legally I need to, or it'll void the policy, then I'll either having just my mrs insured as the lone policyholder, or tell the insurance company, and see what the price shoots upto (whichever is cheaper).

Thanks.

Not necessarily of your illness but depending on the insurer you will need to notify them that your entitlement to drive has been withdrawn.

Example
Admiral

"if you or any driver named on your policy, have been disqualified from driving, your
entitlement to drive has been suspended or withdrawn (revoked) or your driving
licence status has changed"

http://www.admiral.com/policyDocs/AD116%20_policyb...

As said though you'll need to check your insurance booklet.

[LoonR1]

All motor insurance has a statement that you must hold a driving licence for the vehicle in question. It's a standard clause. You must. Tell them, although they're unlikely to care and will carry the policy on.

If you like you can follow the lead of Mouse and now report me for being offensive and get me banned from the thread.

[Slidingpillar]

LoonR1 said:

All motor insurance has a statement that you must hold a driving licence for the vehicle in question. It's a standard clause. You must. Tell them, although they're unlikely to care and will carry the policy on.

This - I had to surrender my licence for medical reasons a while ago (now got it back). No problem in continuing the policy and swapping the driver from me to my brother so he could keep the car exercised. Didn't cost me anything to do either, although I suspect I was lucky there. Insurer was very helpful too!