I was hoping someone would be able to help with a situation I now find myself in. I am frustrated and so angry at the situation we are now in, I am just unsure what to do anymore.
I am trying to get some insurance quotes for some cars I was looking at getting, but listing my medical condition and license restriction seems to add over £1k to any quotes I can get. Basically completely pricing me out of being able to run a car.
Some background info to give you a better picture of the situation, first post and all.
May be a bit of a read, apologies in advance.
Male, 37, diagnosed with RR MS about 3 years ago. Currently on Tecfidera 240mg. No real problems other than short term memory issues, and the odd glitch here and there. Certainly nothing I would think to class as an ‘event’. I have (had?) a full UK driving licence until recently when the DVLA finally did their medical review and sent me my updated licence, a 3 year review licence.
My wife suffers from Lupus and Osteoarthritis and a couple of other issues, since around 2005, currently claiming PIP, she had higher mobility under DLA, but was put on the lower rate mobility for PIP. I am her carer, and the car is her lifeline to the outside.
I lost my 12 years no claims going from personal car insurance to the motability lease hire for 3 years, then losing the higher rate mobility and having to go back to personal car insurance, we had to buy and insure a car with a NCD of 0! Because:
a, NCD can only be taken into account from 2 years or less (I was on 3 years!)
b, RSA don’t do NCD for their fleet hire insurance, but said they would gladly tell my insurer, if they were to ring them of course, that I was a good boy and did them proud.
Due to financial difficulties since my wife was diagnosed, we are now living in a higher insurance risk area, which doesn’t help. Now to round it off our current car has just died, and after a string of issues with it, I no longer have the confidence in it to keep throwing money at it.
So… we have had to look to car finance options to get a car. I applied for insurance on a possible car using one of the big comparison websites. Went through all the details including the “DVLA Aware - 3 Year Restriction” bit, etc.
Now the cheapest came up just under £1k, now with the finance on top of that, the monthly payments would have us very stretched, but we could do it.
I went back through the exact same quote again, but noticed that there was another section marked “Which kind of driving licence do you have?” To which I had previously used “Full” with the “DVLA Aware - 3 Year Restriction” check box bit underneath ticked. But an alternate answer to “Full” also seems to be “Medically restricted” for which I thought, “Oh I had better put that instead” an alternate selection box pops up with “under 3 years” or “3 years and over”, to which I chose 3 years and over. So the same as the “DVLA Aware - 3 Year Restriction” bit, yes? Well, I certainly thought so.
Everything else stayed the same, but upon retrieving the quotes I found that the previously cheap insurer no longer would offer me anything and the cheapest now was £2400!! Quite a leap. I thought discrimination was not allowed?
With that added to the finance there is no way we can even consider a car that we need.
I am just lost what to do now.
Any help/advice would be very much appreciated.
Sorry for the long post/rant, it has been a trying time for us since losing the higher rate mobility. Not allowing my previous NCD has really stuffed us good