Driving your car can be a great way to get around for everyday tasks like shopping and commuting. But if you have one of the following 10 notifiable medical conditions, you may need to take extra steps before driving. These include cancer, diabetes, epilepsy, heart disease and more. Read on to learn about these 7 noticable medical conditions for car insurance in UK!
7 notifiable medical conditions for car insurance in UK
You want to use your car for everyday tasks like shopping and commuting, but you should take note of the notifiable medical conditions-or conditions that must be reported to insurance companies before they will offer coverage.
These include cancer, diabetes, epilepsy, heart disease and more. Read on to learn about these 7 notifiable medical conditions for car insurance in UK!
It’s important to note that having a notifiable medical condition does not necessarily mean your car insurance premiums will go up. If you have one of these conditions and it raises concern with the insurer, they may ask you for evidence such as regular tests or scans. Read on to learn more!
Cancer is one of the notifiable medical conditions for car insurance in UK. If you have cancer, your insurer will want to see your diagnosis and may ask for evidence such as regular tests or scans.
Another notifiable medical condition that could affect the cost of your insurance premiums is diabetes. Insurers can ask for evidence that you’re managing your condition and following a course of treatment, like blood sugar levels and weight monitoring.
Insurance companies will want to see evidence that you’re taking medication and it’s working successfully to control seizures, or documentation from a doctor who has advised you on how best to manage epilepsy.
This is another notifiable medical condition where insurers will make an assessment about whether you’re at risk of problems like a stroke or heart attack. They may ask for evidence of regular checks, such as blood pressure measurements and cholesterol levels.
Car insurers will want to make sure that your condition is well controlled with medication, otherwise it could put up the cost of your premiums significantly. Asthma sufferers are advised to keep their inhalers in the car for easy access.
Mental Health Conditions
Insurance companies will want evidence that you’re receiving treatment or recovering from mental health issues, such as anxiety and depression. These notifiable medical conditions for car insurance in UK can be costly if you don’t disclose them-so it’s important to tell your insurer.
Car insurance is cheaper for healthy individuals with lower body weights. But if you’re overweight, it can lead to notifiable medical conditions for car insurance in UK with some insurers.
If your insurer finds out about an existing condition that they didn’t know about at the time of application, you could lose your no-claims bonus, be rated for the correct vehicle category, or your policy even cancelled.
Car Insurance For Young Drivers:
If you’re under 25 and applying for car insurance, then it’s likely that insurers will want to see evidence of good health because young drivers are more likely than older motorists to have notifiable medical conditions.
Drivers over 70 Years of Age:
This age group is an important market for insurers, since drivers are more likely to be involved in an accident. However, this can lead to notifiable medical conditions like dementia and Parkinson’s Disease, which could affect the cost of your insurance premiums.
What health conditions prevent you from driving?
One of the conditions that may prevent someone from driving is epilepsy. Epilepsy is a nervous system disorder in which there are recurrent seizures. Epilepsies can be far more disabling in younger people.
Here’s one of the main reasons why epilepsy may prevent you from driving: if, for instance, an epileptic had a seizure while they were driving this could cause them to suffer damages or serious injury due to impaired brain function during the seizure.
Another health condition that will prevent you from driving is cancer; this particular medical condition is defined as uncontrolled growth of cells. Cancer can spread through your body and it can cause death.
Another of the notifiable medical conditions that may prevent someone from driving is heart disease; this is a group of diseases that affect your heart. Heart attacks, strokes and other cardiovascular diseases are included as a variety of heart conditions.
Here’s one of the main reasons why heart disease may prevent you from driving: if someone has experienced a serious cardiovascular condition such as a stroke or a myocardial infarction (heart attack), this could make them unable to drive.
Do you have to tell insurance about medical conditions?
In the United Kingdom, you should only need to tell your insurer about a medical condition if it’s been listed by the Motor Insurers’ Bureau, if it’s been formally diagnosed, and if the condition has arisen in the last three years.
However, help is available for people who have a condition that doesn’t affect their ability to drive but could lead to difficulties in finding car insurance. For more information on non-disclosure and assisted policies, read “Non-disclosure car insurance”
Does High Blood Pressure affects Car Insurance?
Do you know that your blood pressure level is one of the notifiable medical report that can affect your car insurance? High BP may cost more for insurance.
High blood pressure (hypertension) is an extremely common condition, with nearly 2 out of 3 people (63%) aged 18 years or older living with this condition in the United States. You can monitor your health by measuring your blood pressure at home. High blood pressure does not always produce symptoms, so it’s important to take your blood pressure regularly and to monitor other factors that might indicate hypertension, such as stress levels and weight gain.
A warning about hypertension: Do not ignore high blood pressure
The first step is to discuss treatment options with a doctor-in many cases, you can manage your condition by making changes to your lifestyle (diet and exercise) and taking medication.
Does Pacemaker affect car insurance UK?
The use of pacemakers in the United Kingdom does not necessitate any form of change to a person’s existing car insurance policy. The use of a pacemaker is not considered an exclusionary factor for the general contract, so being fitted with a pacemaker is not a cause for a premium increase or cancellation.
However, some insurers will exclude coverage if the person using a pacemaker does so as part of their specific contract with that company. This is where it becomes important to know the terms and conditions of your policy when it comes to pacemakers.
If you feel that your insurance company has unfairly charged you due to the use of a pacemaker, contact them directly for explanation.
There are many notifiable medical conditions that will prevent you from driving in the UK. The good news is there are ways to get around these obstacles with some clever thinking and a little help. Non-disclosure car insurance can be an option for people who have non-driving related health problems, but it’s important to know your contract terms before signing anything! Increased blood pressure or heart disease might make you ineligible for certain types of coverage, so make sure you discuss all of your options with your doctor first.
References : Medical conditions, disabilities and driving