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kellyjo
23-03-11, 07:22 PM
Was wondering if anyones informed their insurance company when theyve had surgery and what the outcome was. How do they decide how long before you are covered again after the surgery?

Thanks, KJ x
Bri w
23-03-11, 08:12 PM
Ring DVLA and ask them. They will probably ask you to have a medical if they're not sure. Don't go to your insurer's unless you have to, they'll rob your eyeballs whilst they smile.
davepreston
23-03-11, 08:33 PM
health ins, car, bike, house ?
kellyjo
23-03-11, 08:35 PM
bike and car
punyXpress
23-03-11, 09:44 PM
Ask the surgeon, & then when you see him/her next ask again. Managed to get mine halved.
If asking DVLA or insurance co, tell them it's a general enquiry & DONT TELL THEM WHO YOU ARE!
Best of luck.
Bluefish
23-03-11, 09:49 PM
Ask the surgeon, & then when you see him/her next ask again. Managed to get mine halved.
If asking DVLA or insurance co, tell them it's a general enquiry & DONT TELL THEM WHO YOU ARE!
Best of luck.

And make the call less than 2 mins so they can't trace the call, ;)
Bri w
23-03-11, 10:07 PM
And make the call less than 2 mins so they can't trace the call, ;)

pmsl:D:D
yorkie_chris
23-03-11, 10:07 PM
2 minutes? You're barely even ON hold by then...
Fruity-ya-ya
23-03-11, 10:44 PM
Please keep us informed.
I'll follow this thread with interest. Knee surgery booked 04/04/11.
Fruity-ya-ya
23-03-11, 10:51 PM
Ask the surgeon, & then when you see him/her next ask again. Managed to get mine halved.
If asking DVLA or insurance co, tell them it's a general enquiry & DONT TELL THEM WHO YOU ARE!
Best of luck.

I mean a friend of mine is having surgery ;)
Bluefish
24-03-11, 12:08 AM
I mean a friend of mine is having surgery ;)
:D
TamSV
24-03-11, 12:42 AM
I don't know your circumstances KJ but your first port of call is the DVLA website and check if your condition is one that needs to be disclosed to them. If it does, then disclose it. Your circumstances and the opinion of your docs will determine what they do but some conditions are a straight revocation of the licence for a period of time.

If all is well, DVLA are happy, your doc is happy, and your condition has cleared up with no residual effects or disability then there might be nothing to report to your insurers. The proposal form question is normally along the lines of "Do you suffer from any disability etc". If you don't have a problem anymore then there is nothing material to disclose (but look carefully at the wording of the question as they can vary and it's possible to get caught out here).

In an ideal world you should be able to disclose all past medical history, to be on the safe side, and have it overlooked by insurers. Unfortunately, many insurers are set up now to only take "standard" business. Anything out of the ordinary is a straight refusal or gets a big premium hike just because they can.

If there's any possibility that your condition could return, or have ongoing effects, then best to disclose it to your insurers. Once you find one that's prepared to think about it their attitude will largely be dictated by your medical evidence and, in particular, what action has been taken by DVLA.