Does a medical driving Licence affect insurance?

If the DVLA has issued you a licence, with knowledge of your medical conditions, car insurers cannot refuse your coverage, raise your premiums, or increase your excess because of your health without evidence that you’re an increased risk.

What medical conditions do you have to declare for car insurance?

What are the notifiable medical conditions for car insurance?

  • Diabetes (especially if you’re taking insulin)
  • Sleep apnoea.
  • Fainting spells.
  • A heart condition.
  • Epilepsy.
  • Strokes.
  • Glaucoma.


Do medical conditions increase car insurance?

A car insurance quote is determined by how risky you are to insure. A medical condition, such as epilepsy, a visual impairment or diabetes, could make you more of a risk to insure and your premium could increase.

Does a Medical Review Licence affect insurance?

A valid licence is required to take out an insurance policy and so failure to disclose a change in condition could result in your insurance claim being invalidated if you were to be involved in an accident.

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Do I need to tell car insurance about medical condition?

You have to tell your car insurance provider if you develop a medical condition that affects your ability to drive. You must also inform the driver and vehicle licensing agency (DVLA), whether it’s a new condition such as a head injury or an existing medical condition such as diabetes that’s become more severe.

What medical conditions can you not drive with?

Notifiable conditions are anything that could affect your ability to drive safely, including: Epilepsy. Strokes.

Why should I disclose a medical condition for driving?

  • Heart conditions.
  • Stroke or mini stroke.
  • Diabetes.
  • Physical disability.
  • Brain condition or severe head injury.
  • Visual impairment.
  • Epilepsy.


What happens if you don’t tell DVLA about a medical condition?

If you don’t tell the DVLA about a medical condition which might affect your driving you could be hit with a £1,000 fine. If you’re involved in an accident because of your condition you could also face prosecution.

When should I tell DVLA about a medical condition?

You must tell DVLA if you have a driving licence and: you develop a ‘notifiable’ medical condition or disability. a condition or disability has got worse since you got your licence.

Does Blue Badge affect car insurance?

If you are on the blue badge scheme, (meaning you can park in designated disabled spaces), some insurers will give you a discounted policy.

Do you have to declare cancer on car insurance?

Car insurance

For a car or motorcycle licence, you only need to tell the DVLA you have cancer if: You develop problems with the brain or nervous system. Your doctor has concerns about your fitness to drive. You’re restricted to certain types of vehicles or vehicles that have been adapted for you.

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Do I need to tell Life Insurance about cancer?

What to tell your life insurance provider if you have been diagnosed with cancer. If you’ve been diagnosed with cancer, you should contact your insurance provider. They’ll need to know the type of cancer you have been diagnosed with and the date you were diagnosed.

What is a medical review driving Licence?

When you have told the Driver and Vehicle Agency (DVA) of a medical condition or disability, the medical advisers will decide if you satisfy the medical standards of fitness to drive. A licence will then be issued, refused, or revoked.

Does Type 2 diabetes affect your driving Licence?

People with diabetes can drive HGVs. People on insulin will be issued a 1 year license which will need to be renewed each year. People on tablets that can cause hypos will be issued a 1, 2 or 3 year license which will need to be renewed at the appropriate time.

Do you have to declare type 2 diabetes car insurance?

Most car insurance companies no longer penalise people with diabetes by charging higher premiums. … Diabetes is a material fact, so you need to declare it. The main danger of diabetes and driving is the possibility of having a hypoglycaemic episode (hypo), which could impair your judgement and lead to an accident.

Will high blood pressure affect my driving Licence?

High blood pressure has few symptoms and it should not affect your ability to drive. However, you should not drive if your medicines cause symptoms which affect your driving ability. If this happens, ask your doctor if he or she can change your medicines to prevent the symptoms.

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What happens after you tell DVLA?

What happens after you tell DVLA. You’ll usually get a decision within 6 weeks. You’ll get a letter from DVLA if it’s going to take longer.

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