hi all
now i have been told i have ms do i need to let my car insurance company know ???
thanks
xan
Hi Xan,
I thought I’d read that you had to inform your insurance company and the DVLA, but when I asked my neuro, he said only if you’re having problems with your vision. Not sure if this is right or not…sorry not to be of much help!
Fizzy x
You must tell the DVLA no matter how mild your MS and whether or not your eyes are affected. There is a potential £1000 fine if you have an accident and you haven’t told them.
It’s sensible to tell your insurance company simply because you are supposed to tell them everything, but they cannot change your premium (it’s against the law).
Kx
Hi Karen,
Thanks for clearing that up…I did suspect it wasn’t right when I couldn’t find any information on it. The neuro also told me I would get free prescriptions too, but sadly, it looks like he was wrong about that too!
Thanks
Fizzy x
Sounds about standard for a neuro, lol!
Actually, not so lol when I think about it. What an idiot!!!
Kx
bugger id better get on this then
Move to Wales then your prescriptions are free lol…xd Kate
Hang on… I asked my daughter’s neuro if she needed to inform DVLA and he said “No!!! Absolutely not,” so we haven’t. That was the wrong information,then? Arrgghhhh! So you think we definitely need to report this? What will happen - will they rescind her licence? She’s only just passed her test - if she has to take more tests I think she will not be a happy bunny!
Thanks
V
All that normally happens is that they put us on a 3 year renewable licence (it’s free to renew). They only consider rescinding a licence if there are quite serious vision problems or another good reason to be careful.
Kx
Took me time to read all the comments, but I really love the article. It proved to be very helpful to me and I am sure to all the commenters here! It’s always nice when you can not only be informed, but also engaged! I’m sure you had joy writing this article.
car insurance in nj
As someone who works in law, I can tell you that you MUST, by law inform DVLA upon diagnosis. And also your insurance company. In effect if you are driving with MS having not informed your insurance company, your insurance can be deemed invalid and technically you are driving without insurance and could be charged thus in the event of an accident.
say you have an accident when your driving and its your own fault, does this influence their decision to grant you a liscence?
This happened to me few months back, nothin to do with MS i was just being a dafty
Hi Raymond I’m not sure what you mean…do you have a licence and having notified DVLA, have subsequently had an accident ? Or have you had an accident and not notified DVLA or insurance company prior to the accident ?
The insurance company only need to know if you have restrictions on your license…they don’t need to know what your illness is…as who are they to decide on your fitness to drive …that is up to the DVLA to decide
Sorry anon…but you do need to inform your insurance company. Yes, the DVLA will determine your fitness to drive but your insurance company have to be informed because failure to disclose a medical condition which may affect your ability to drive, can invalidate your insurance.
I have insured many vehicles and there is nowhere on an application where it asks what your illness is…the only question it asks is do you have any restrictions on license. …ie. 1 year 3 year renewal
The onus is on you to tell them and failure to do so is legally termed non-disclosure and leaves your insurance invalid. ANY illness that MAY affect your fitness to drive carries with it an absolute obligation to disclose. Sorry but it is a legal requirement.