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Car insurance cancelled after switch to insulin

M

MrsD013

Newbie
Messages
1
Type of diabetes
Treatment type
Insulin
Hi
My husband (T2) recently switched over to insulin so notified DVLA and was issued a 3 year restricted licence.
On notifying his insurance company they have promptly cancelled his car insurance with immediate effect as I quote ‘people on restricted licences are not a risk they are willing to insure’. How is this even legal? Is this something other people have faced?
 
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It does happen my advice is try another company. I used to use direct line , I now have a motobility vehicle and their insurance is with direct line now too ( please excuse the non capital letters I’m feeling lazy)
 
Well they can do what they want. Legal doesn’t come into it. We are with Saga. They are not interested in 3 year licenses, to be fair many of their clientele will be on them. They were not bothered about me being Type 1.
 
I have never had this problem. I find insurance companies have little interest in my restricted licenses (although I always declare it).
I believed that they cannot charge more to insure a driver on a restricted license as this would be disability discrimination so I am surprised that they can cancel an insurance.

I tend to shop around for my car insurance and over the years since my diagnosis, I have used Admiral, MoreThan, LV, DirectLine, Halifax and probably others. All have been happy to insure me to drive.
 
Been with a few different companies, and never had a problem, so I'd shop around for a good deal.
 
MrsD013 said:
Hi
My husband (T2) recently switched over to insulin so notified DVLA and was issued a 3 year restricted licence.
On notifying his insurance company they have promptly cancelled his car insurance with immediate effect as I quote ‘people on restricted licences are not a risk they are willing to insure’. How is this even legal? Is this something other people have faced?
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When I was issued a 3 year license, I contacted my insurance company and there were no problems, they didn’t even charge me for making changes.
 
I've been with Aviva for years always with a three year license and never had a problem ! I thought the rule was if you've a full license you are deemed fit and able to drive and shouldn't be refused or charged extra as you are not anymore risk than anybody else , if you were you wouldn't be issued with one in the first place .
 
I will say times have really changed back in the 80s I tried numerous companies no joy was like I had leprocy , one insurance lassie asked me how many units of insulin I took when I replied she said “the thats a lot” I said when did you become a diabetic consultant needless to say her company wouldn’t insure me. Thing nowadays are so much different with refusals being the exception rather than the rule
 
jaywak said:
I've been with Aviva for years always with a three year license and never had a problem ! I thought the rule was if you've a full license you are deemed fit and able to drive and shouldn't be refused or charged extra as you are not anymore risk than anybody else , if you were you wouldn't be issued with one in the first place .
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This is the attitude that all my insurance companies (UK, Australia and now NZ) have taken. Presumably @MrsD013 's husband's insurance company don't insure over 70s either, as their licenses are also restricted to 3 years?
 
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