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#31 |
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Chris's priority will need to be getting cover with a heart condition. While the law says they can't charge him more because of a controlled medical condition, his isn't controlled by medication so that may complicate things even though it shouldn't. My insurance company wanted to increase my premium because I was having an op that meant I couldn't ride for a few months, how not riding my bike because I'm in a cast on my foot makes me more of a risk is beyond me! Surely a bike in the garage isn't going to crash!
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#32 |
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I think you are crediting your insurance company with enough common sense to actually make a sensible decision, and that is your mistake. They will simply have a flow chart that says: Medical condition = higher premium.
I prefer my version: Do you have a temporary medical condition, Yes, does it impact on your ability to ride a bike, No = Get out there and enjoy yourself. or Do you have a temporary medical condition, Yes, does it impact on your ability to ride a bike, Yes, Are you going to ride your bike, No = put another log on the fire and top up that glass. There is a third option but if you are stupid enough to ride a bike when you can't do it properly and safely having no insurance will be the least of your worries! |
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#33 | |
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#34 |
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I could be wrong about this but when I had my heart op I went through a strict medical to get my HGV/LGV back. I had no problem with loaded premiums as far as vehicle insurance was involved. The thing I can't get is travel insurance OR life insurance without exorbitant premiums. If you are certified fit to drive by your consultant you do not have a medical condition that would be an impairment to your driving so there should be no increase in your premiums and if there is shout and scream or change companies I will repeat that I did have a very strict medical and not just self declaration after 6 weeks
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#35 |
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If you go here:
https://www.gov.uk/health-conditions-and-driving you will find a list of medical conditions that may require you to notify DVLA if they affect you. I say "may" because some of them are compulsory, and others you only need to do if "it affects your ability to drive safely". I would suggest that if you have been required to notify DVLA about the condition then despite my previous flippant remarks you probably ought to be telling your insurance company. |
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#36 |
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Chris may not have seen this yet but he has now lost his licence for a 6 month period on three occasions in the last 4 years so is probably on the DVLA Christmas card list he has to contact them so often to relinquish his licence and then get it back again! That's standard for when a defib is activated. And a further month if they have to change the batteries. All very tedious.
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#37 | |
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+1 to all of the above. These days, if you've advised DVLA and kept your license with no restriction, then insurance companies shouldn't give you a problem. Chris's situation sounds a bit more complex. |
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#38 |
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Poor Chris,sounds a bit of a sh1tter.
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#39 | |
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#40 |
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Argh, I am tearing my hair out with insurance at the moment. Word of advice, and for more reasons than this, never buy a brand new house on a brand new estate!
Moved a mile down the road to my new house in December, everything else stayed the same, called the insurers to tell them, "no problem Sir, although we don't yet have your house on out postcode database, but as it's only the first half of the postcode we go on, which is the same, so no increase in premium" Policy is due for renewal, "noooooo, if you want insurance with us now, you have to pay the new, 'it's not on our database so must be a crack wh0re ghetto' supplement, that's an extra £200 please. So I think, no problem I'll go elsewhere Wrong! Big problem, most insurers have the same supplement! The ones that do quote me a sensible figure are exactly the same price for my old and new place, the ones that don't are £100+ cheaper if i use my old address!
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