Does failing to inform DVLA of a medical condition.........
Discussion
NoNeed said:
Du1point8 said:
pretty sure its a criminal record and up to £1000 fine...
Someone I know looked it up a few years ago.
Thanks but would it nullify insurance cover if you drove or does the cover remain intact?Someone I know looked it up a few years ago.
On the basis that insurers seem to either flat out refuse cover for any disabilities or medical conditions that would need to be reported to the DVLA, or ask about them in the application form, I'd say it's a safe bet that it would void an existing policy/claim if it came to light. Best to wait for Loon and co to confirm though.
I think it would be classed as failure to disclose a material fact that would have had a bearing on them accepting you as a risk .
The only way it might not cancel cover would be if a condition ( say for example epilepsy ) was undiagnosed when you took out cover , and only came to light when the driver took their first ever seizure at the wheel . Similar would apply to the likes of undiagnosed heart conditions etc .
In that hypothetical situation , there would have been no failure to disclose and insurance would remain valid , although condition would then have to be disclosed .
Basically , as soon as you know about it , you should tell them .
The only way it might not cancel cover would be if a condition ( say for example epilepsy ) was undiagnosed when you took out cover , and only came to light when the driver took their first ever seizure at the wheel . Similar would apply to the likes of undiagnosed heart conditions etc .
In that hypothetical situation , there would have been no failure to disclose and insurance would remain valid , although condition would then have to be disclosed .
Basically , as soon as you know about it , you should tell them .
Durzel said:
On the basis that insurers seem to either flat out refuse cover for any disabilities or medical conditions that would need to be reported to the DVLA,
Really. I know a few people with disabilities and so long as DVLA have been made aware and have granted a licence to drive, Insurers charge no extra. I think the Disability Discrimination Act 1997 means that insurers cannot charge extra so long as DVLA are aware and have granted a licence, unless they have statistical evidence that certain disabilities increased risk.In the case of a notifiable condition not being advised to DVLA, then of course that's a different matter.
Insurers will have to pay tp claim initially but if the condition was such that DVLA would have refused a licence, then a reclaim of outlay from the policyholder would be justified.
TwigtheWonderkid said:
Really. I know a few people with disabilities and so long as DVLA have been made aware and have granted a licence to drive, Insurers charge no extra. I think the Disability Discrimination Act 1997 means that insurers cannot charge extra so long as DVLA are aware and have granted a licence, unless they have statistical evidence that certain disabilities increased risk.
In the case of a notifiable condition not being advised to DVLA, then of course that's a different matter.
Insurers will have to pay tp claim initially but if the condition was such that DVLA would have refused a licence, then a reclaim of outlay from the policyholder would be justified.
Fair enough. There are a few websites that do online quotes that exclude medical conditions/disabilities that would need to be reported to the DVLA, but I guess that's just because the online quote makes certain assumptions for expediency. I didn't mean to infer that these companies wouldn't (or would be allowed not to) offer insurance at all for people with these conditions/disabilities.In the case of a notifiable condition not being advised to DVLA, then of course that's a different matter.
Insurers will have to pay tp claim initially but if the condition was such that DVLA would have refused a licence, then a reclaim of outlay from the policyholder would be justified.
Mrs Beard had a pacemaker fitted in November (bradycardia - slow heart/electrical block). She was told not to drive for six weeks and we dutifully reported this to the DVLA and then the insurers. DVLA were happy for her to resume driving after the six weeks, as were the insurers - no effect on premiums.
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