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UK legal, insurance, employment, benefits, statutory services Advice offered by HDA Moderators relates to current UK law or guidelines

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Old 09-06-14, 07:50 AM   #1
Edie
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Join Date: Jun 2014
Posts: 1
Default Car insurance

Hi all

My father has recently been diagnosed with late onset HD. He apparently has few symptoms as yet.

We'd arranged to swap cars for a week for a holiday (theirs is much bigger than ours). Initially, only my mother was going to be put on our insurance.

However, my father has now asked to be put on our insurance too and is claiming we don't have to let our insurers know he has HD.

This seems a bit unlikely but I wanted to check it was correct?

All the way through the diagnosis process they've been really unreliable, and we tend to get a version of events that suits them rather than one that makes any sense.

I don't want to tell our insurers I have a close relative with HD in case my premium goes up.
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Old 09-06-14, 11:00 AM   #2
tricia
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Join Date: Feb 2014
Location: milton keynes
Posts: 12
Default Re: Car insurance

Quote:
Originally Posted by Edie View Post
Hi all

My father has recently been diagnosed with late onset HD. He apparently has few symptoms as yet.

We'd arranged to swap cars for a week for a holiday (theirs is much bigger than ours). Initially, only my mother was going to be put on our insurance.

However, my father has now asked to be put on our insurance too and is claiming we don't have to let our insurers know he has HD.

This seems a bit unlikely but I wanted to check it was correct?

All the way through the diagnosis process they've been really unreliable, and we tend to get a version of events that suits them rather than one that makes any sense.

I don't want to tell our insurers I have a close relative with HD in case my premium goes up.
Hi
last week I had to fill in some forms & send them to D.V.L.A to let them know my husband has HD & then inform Aviva insurance but HD was not on there health list so I asked them to put a note on there computer to say I had rang & informed them so no extra cost for us .
tricia
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Old 09-06-14, 06:48 PM   #3
nicolann
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Join Date: Jan 2014
Location: Cwmbran
Posts: 142
Default Re: Car insurance

Hi

My husband has HD, diagnosed in March. We was told we had to inform the DVLA and our insurance company. We have our car insurance with a local insurance broker. When we informed him, he told us that insurance companies are not allowed to increase premiums due to legislation under the disabilities act. He could not find the box for HD so made a note. It covers you if you have a knock, insurance companies will do anything to pay out on a claim x
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Old 09-06-14, 09:15 PM   #4
Cupcake
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Join Date: Mar 2011
Location: East Anglia
Posts: 1,490
Default Re: Car insurance

When my hubby was still driving, or held a licence, we were advised to tell the insurance company. It I did not affect our premiums, as Nicolann says, they cannot discriminate against you, they have a right to know, or they can make the insurance as void or invalid if a claim is made, but as long as he holds a licence he is classed as being able to drive, by the DVLA, even if the licence is only for 1 year it should not affect the premiums. We were also told to tell the. As soon as hubby had the test done by the clinic at Addenbrookes.
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Old 09-06-14, 09:52 PM   #5
Joseharry
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Join Date: Oct 2013
Location: Crayford, Kent
Posts: 250
Default Re: Car insurance

We had a really strange experience re car insurance.
Husband was told not to drive by consultant and GP.
Which was fine, we had expected that and were glad to have it formalised.
Contacted insurance company, and our premiums would have risen considerably had he been taken off the policy.
It remained the same to keep him on the policy with a caveat that he could not drive? How crazy is that?
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Old 19-06-14, 01:19 AM   #6
twelveshy
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Join Date: Jun 2014
Posts: 1
Default Re: Car insurance

It's really possible that your premium increases if the insurance company see it as a high risk issue. If its possible to not included him in the insurance then go for it provided that he doesn't drive but if he drives then that's a different situation of course as you need him to be included.
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