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car insurance

If you stop driving due to a seizure, you need to tell your insurance company as part of your insurance terms and conditions.  If you don't tell them, this may affect your insurance in the future.

Once you have your new licence

Under the Equality Act 2010, car insurance companies cannot increase the cost of a policy if a disability or medical condition does not affect the risk of making a claim. They can ask questions, or ask for written information about your medical condition to support your application. They might ask to see a copy of your driving licence or a letter from the DVLA confirming that you are allowed to drive under DVLA regulations.

If the DVLA have issued you with a licence, insurance companies cannot refuse you insurance or increase your premium. If an insurance company increases your premium, they must be able to tell you why. This should mean that each application is considered fairly.  If you have any problems with insurance, you can contact the Financial Ombudsman Service.

Getting the best deal

It may be worth contacting several companies to get the best quote for you. If you have not been driving for two years, this may affect any no-claims discount you had before.  However, there is no general rule about whether insurance companies will protect or ‘hold over’ any no claims bonus that you may have earned. It may be worth asking each company what their policy is about no claims bonuses.

 

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