When applying for car insurance you must declare all ‘material facts’. Diabetes is a material fact, so you need to declare it. The main danger of diabetes and driving is the possibility of having a hypoglycaemic episode (hypo), which could impair your judgement and lead to an accident.
Does being diabetic affect your car insurance?
Diabetes in itself cannot have a bearing on your car insurance policy, however, if your treatment, such as insulin, requires you to have a restricted licence, then it can affect your premium.
Do I need to tell my insurance if I have diabetes?
For your car insurance to be valid you must inform your insurance company as soon as you are diagnosed. This applies whether you control your diabetes through diet, tablets or insulin therapy.
What medical conditions do you have to declare for car insurance?
What are the notifiable medical conditions for car insurance?
- Diabetes (especially if you’re taking insulin)
- Sleep apnoea.
- Fainting spells.
- A heart condition.
Do you have to inform car insurance of medical condition?
You have to tell your car insurance provider if you develop a medical condition that affects your ability to drive. You must also inform the driver and vehicle licensing agency (DVLA), whether it’s a new condition such as a head injury or an existing medical condition such as diabetes that’s become more severe.
Can you lose your license if you have diabetes?
Currently, the law states that people with diabetes can lose their driving licence if they have had two or more severe hypo attacks in a year, even if they are asleep when one of the episodes take place.
Can you lose your driving Licence with diabetes?
Your licence will be revoked but you can apply again after three months. See your healthcare team to get their advice on your diabetes treatment and management to cut down the risk of this happening again. To be clear, this is about more than one severe hypo when you’re not driving.
Is having diabetes a disability?
The short answer is “Yes.”
Under most laws, diabetes is a protected as a disability. Both type 1 and type 2 diabetes are protected as disabilities.
Can you drive if you have Type 2 diabetes?
People with diabetes are fine to drive as long as certain medical requirements are met. Depending on your medication regimen, you may have more or less relaxed conditions under which you can drive.
Can I get income protection if I have diabetes?
Income Protection may be an important type of cover for diabetics as there’s a possibility of having to deal with both short and long term complications due to the condition that could result in time off work – like heart, kidney, eye or feet problems.
Will my car insurance go up if I have a medical condition?
A car insurance quote is determined by how risky you are to insure. A medical condition, such as epilepsy, a visual impairment or diabetes, could make you more of a risk to insure and your premium could increase.
What happens if I don’t report a medical condition to DVLA?
You need to tell DVLA about some medical conditions as they can affect your driving. You can be fined up to £1,000 if you do not tell DVLA about a medical condition that affects your driving. You must give up your licence if any of the following are true: your doctor tells you to stop driving for 3 months or more.
What medical conditions should you report to DVLA?
You must tell DVLA if you have a driving licence and: you develop a ‘notifiable’ medical condition or disability.
They can include:
- diabetes or taking insulin.
- syncope (fainting)
- heart conditions (including atrial fibrillation and pacemakers)
- sleep apnoea.
Does wearing glasses affect car insurance?
The failure to wear the correct eyewear to drive could invalidate your car insurance policy. This means that if you have an accident and need to make a claim, your insurance company could say that you have to foot the bill for the repairs.
Can your doctor report you to the DVLA?
Confidentiality: patients’ fitness to drive and reporting concerns to the DVLA or DVA. If a patient has a condition that could affect their fitness to drive, it’s their duty to report it. But as their doctor you have responsibilities as well.
Can a doctor inform DVLA?
As it stands doctors do not need a patient’s consent to inform the DVLA, which is legally responsible for deciding whether a person is medically fit to drive, when a patient has continued driving in such instances.