There are certain medical conditions that can impact your car insurance and even restrict your ability to drive.
If you are looking to get temporary cover for a day or apply for monthly car insurance, but live with a medical condition, this guide answers your car insurance medical questions and will inform you about what you need to know, such as disclosing your conditions to your car insurer and the DVLA.
Do I need to disclose medical conditions to my car insurance provider?
If you have a medical condition that affects your driving ability, you must tell your car insurance provider. By letting your insurer know about your medical condition, you know that you will be properly covered in the event of an accident and should be able to make a claim on your insurance.
How do medical conditions impact car insurance?
Your medical conditions may cause you to pay a higher premium on your temporary car insurance but by failing to disclose your condition you could end up invalidating your policy and therefore your claim would be refused.
Do I need to disclose my medical condition to the DVLA?
As well as notifying your insurer when you apply for a quote, you should also inform the Driver and Vehicle Licensing Agency (DVLA) about your medical conditions.
What circumstances require you to notify the DVLA?
If certain conditions restrict your ability to drive, the DVLA must know about them so they can determine if you’re fit to be on the road. For example, your condition may slow your reactions or cause you to have a seizure behind the wheel.
Depending on the nature of your condition, you may only be able to drive with certain precautions or if your condition is serious enough, you may be told it’s not safe for you to operate a car.
What medical conditions have to be declared for car insurance?
There are particular medical conditions that you should make your car insurance provider aware of, as well as the DVLA. Notifiable medical conditions for car insurance are classed as “anything that could affect your ability to drive safely” according to the UK government.
These conditions include but are not limited to:
- diabetes or if you take insulin
- syncope (fainting spells)
- heart conditions (including atrial fibrillation and pacemakers)
- sleep apnoea
You can find a full list of notifiable medical conditions on the UK Gov website.
How do I disclose my medical conditions to the DVLA?
To disclose your medical conditions to the DVLA, you first need to find the relevant online forms for your condition. Search for your condition and fill in the form. The DVLA will do the rest.
If you’re in Northern Ireland, however, you are required to contact the Driver and Vehicle Agency (DVA).
If you are unsure of what you need to do in order to disclose your health condition, you can contact the DVLA directly.
How long does a DVLA medical inquiry take?
Once the DVLA start a medical inquiry into your case, you should receive the result of the inquiry within six weeks.
What happens after you tell the DVLA about your medical condition?
You will receive a decision letter in the post and depending on your condition, your case may need additional information from a medical professional.
Depending on your condition, the DVLA might contact your doctor or consultant, arrange for you to be examined, ask you to take a driving assessment or an eyesight or driving test.
In usual circumstances, you are able to keep driving while the DVLA are considering your case.
What happens if I do not disclose my medical conditions?
If you do not disclose your medical conditions to your car insurance company, you could be invalidating your insurance policy and any claim you make could be refused.
If you fail to disclose a medical condition that might affect your ability to drive safely to the DVLA, you could be fined up to £1,000. Further still, you could be prosecuted if you have an accident.
When can a medical condition force you to surrender your licence?
There are certain circumstances that could cause you to surrender your driving licence. They are:
- if your doctor tells you to stop driving for three months or more
- if your medical condition impacts your ability to drive safely for three months or more
- if your medical condition results in you not meeting the required standards for driving
Once you meet the medical standards for driving again, you can apply to get your licence back.
Temporary car insurance and medical conditions
If you are told to surrender your driver’s licence temporarily as a result of your medical condition, you might find that insuring your car with short term car insurance is a flexible solution while you wait for the result of a medical enquiry.
However, if you are told to surrender your licence on a permanent basis, you might want to take out a Statutory Off Road Notification (SORN). This way you will not need car insurance while your car is off the road while you look to sell the vehicle.
If you are someone with a medical condition and who doesn’t drive regularly, there may be occasions when you will want to borrow a car, perhaps to go for a doctor’s appointment or even just to visit friends and family. Whatever your reason for getting behind the wheel, non-car owners might find that temporary car insurance is a helpful option.
Temp car insurance can last from as little as one hour, meaning you can get on the road legally for the exact amount of time that you need. As long as you make sure that your medical conditions are disclosed to your insurer and the DVLA, temporary car insurance is a viable option.