Car Insurance A pitfall for Diabetics on Insulin

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falling-out-with-my-car
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Car Insurance A pitfall for Diabetics on Insulin

Post by falling-out-with-my-car » 28 Feb 2014, 17:00

Hi,
I very recently acquired a quote from Budget insurance on one of the comparison websites, when I telephoned Budget they informed me that the policy was underwritten by zenith.
when I notified them that I was type2 diabetic and took insulin which I am obligated to do they wanted to increase the cost of my policy on the basis of how long I have held a UK license.
Their argument was that in the application I answered the question "How long have you held a UK license"? with
22 years as this is how long ago I passed my driving test the license has been valid all of this time.

Now because I have to notify the DVLA of my taking insulin and I am now on what is called a restricted license I have to get a medical statement every three years from my doctor before the DVLA will issue me with a new 3 year license.

Budget insurance are making out that I have only held a full UK license for three years even though my license pink card says category B held since 1991 I have 9 years NCB on the same vechicle but according to Budget and zenith I have only held a UK license for 3 years. I have renewed my policy with my old insurance company who have not discriminated at all.
1st Central.

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Xaccers
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Re: Car Insurance A pitfall for Diabetics on Insulin

Post by Xaccers » 28 Feb 2014, 20:06

Sounds like they view you as too much of a risk Nigel and don't want your business but don't want to prejudice you by refusing insurance which would be much worse for you as you'd have to declare that too.

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falling-out-with-my-car
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Re: Car Insurance A pitfall for Diabetics on Insulin

Post by falling-out-with-my-car » 01 Mar 2014, 14:03

Hello Xac,
you do have a point there, perhaps 9 yrs NCB and 8 thousand miles per year isn't good enough
What I don't understand is how they manage to assume I have held a full UK license for three years it actually runs out in 12 months time, which is when I will get a reminder form from DVLA.
so My restricted license which for those who do not know has had removed Minibuses over 8 seats, 10 ton lorries, HgV's & PSV's
although I still, get to keep my full Bike license 7.5 ton vechicle and 8 passenger seat minibuses.