So basically if you’re put on a 3 year medical licence (like me) your licence only lasts 3 years, just before your licence expires the DVLA will contact you asking how your illness still effects your driving.
In other words you need to re-apply for your licence .
Its no big deal, I’ve not long had my 2nd 3 year medical licence.
I think the options open to the DVLA are:
1, 3 or 5 year medical licence or no licence at all.
You can appeal to any outcome if you feel its an unfair decision.
When you first inform the DVLA you MUST send your existing licence back, as basically it is no longer valid, however you can still drive up until the time the DVLA write to you with their decision, 1,3,5 year medical licence or NO licence.
I think I’m correct in saying this, you DO have to inform your insurance company of ANY illness that you’ve informed the DVLA about.
In fact when you take out insurance it is one of the questions on the proposal forms that you fill in.
As for price increase, It did NOT happen to me when I informed my insurance company, in fact the person I spoke to at my insurance company said they are not allowed to penalise or increase premiums on a disabled policy as it would be discrimination.
All the insurance company want is to see that the DVLA have been informed and that they (DVLA) have authorised a licence.
In other words, the DVLA have basically said it’s ok to drive, so legally theres no comebacks on the insurance company in the event of a claim, hence no premium rise.
Just remember, if you have been diagnosed but haven’t informed the DVLA or your insurance company and you do have a bump, basically your not legally entitled to be driving, so you’re actually driving without a valid licence and also your insurance company will probably void your insurance at the same time, after all the insurance company will look for any loop hole NOT to pay out !
If you had a serious crash where the were injuries, you can bet your life that the insurance company & solicitors acting on behalf of the 3rd party would turn over every stone looking for a reason to put the blame on you.
If you look on the DVLA .Gov site, MS is listed as a disability that MUST be reported.
My advice, don’t worry, inform the DVLA & your insurance company, it’s easy and straight forward.