Car Insurance

Everyday living
1

I informed the dvla about my MS and have to renew my licence every 3 years. I am currently getting car insurance quotes but wondered in the medical part do I select ‘Dvla aware - 3 years restricted’ or do I select ‘Dvla aware - no restrictions’?

Thanks in advance

2

Hiya

I would suggest the 3 year restricted.

I hope someone can provide you with a definitive answer.

Ellie x

3

do you have any restrictions on ur licience,I think I am still able to drive all I was b4 I got a 3 year licience,I have no restrictions ,just length of licience,good question though,and really no help at all to you :-),look foward to reading the correct answer

4

Haha thanks for your replies! Will see what others think too. Think I can still drive everything as before

5

not sure about the form because I usually insure over the phone and tell them I have M.S. and that the D.V.L.A. are aware , I suppose it depends how long you’ve been driving as to what you lose , but there are restrictions on my license now , eg . I can’t now drive a 7.5 ton lorry as I did ,

Also I can’t drive a bus I seem to remember , (though I never have ) , I think there is a limit to passengers in a mini bus too , less than 8 I think , but don’t quote me on that

6

the restrictions may be just referring to car control adaptions though , or if you can only drive an automatic etc ?

7

If you have been given those two options, then I would think ‘Dvla aware - 3 years restricted’ is the box to tick -as that clearly applies to you. R

8

If you have been given those two options, then I would think ‘Dvla aware - 3 years restricted’ is the box to tick -as that clearly applies to you. R

9

I don’t know the answer, but I do know that IF there is any chance of the insurance company getting out of a claim they will latch on to anything - they are the biggest crooks walking this planet.

Good luck with your quest. Ann

10

Thanks everyone for your replies. The company I went with in the end just had the option of ’ Dvla aware of medical condition and hasn’t advised not to drive’ so that was easy in end!

11

Be completely up front and tell the insurance company everything, because if you have a claim, and they find the smallest loophole in your declaration, when applying for the cover, they will not pay out.

But remember they can not load your insurance for any of these conditions, to do so contravenes the disability discrimination act.

Take care.

Chris R.

I. El. (Eng). (Rtd).