Hello everybody My first post. I have a FULL UK DRIVING LICENCE ( With 3 year Restriction ) and have applied for car insurance from several insurance companies over the years I have held this licence. I stated on my application form that I hold a restricted licence but my policy does not state this. Is my insurance policy still valid even though it does not state that I have this type of licence. Be grateful for any help.
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Car Insurance
- Thread starter daviej
- Start Date
Hi. That is fine, insurers don't actually bother to record this.
If you hadn't told DVLA, or you were driving after it expired, then the insurance company could use that at a reason not to pay any claim.
But as long as you have done everything you need to with DVLA then you'll be OK.
If you hadn't told DVLA, or you were driving after it expired, then the insurance company could use that at a reason not to pay any claim.
But as long as you have done everything you need to with DVLA then you'll be OK.
mrburden
Well-Known Member
I'm presuming that the company will have added an amount to the premium because of your diabetes and licence restrictions, but if they haven't it's likely that the information hasn't been recorded. Personally, I would contact the insurance provider and simply ask them what details they hold regarding your licence. Dependent on their reply, you can ask them to review their recording of your original call to prove that you told them (if you took out the policy by phone) or be assured that they are aware and all is okay.daviej said:
I can't remember ever seeing licence restrictions noted on my insurance policies (but my last one was a long time ago now), only that I was allowed to drive vehicles for which I held the appropriate licence and insurance cover.
Thank You for your replies. This is the reply I got from Compare the Market.com when I asked them about insurance and restricted licence I have now spoken to the providers concerned and they have advised me of their policies surrounding Restricted Driving Licences.
As far as the RAC, Marks & Spencer and Post Office are concerned I have been advised that although they do recognise medically restricted licences these show as a full UK licence on their own sites and that this is satisfactory for the insurers themselves.
The A.A have told me that, on their website, they don't ask about medically restricted licences as this is currently classed as an 'assumption'. They have looked into your details and these show that you have a 'DVLA aware- 3 year restricted Licence' which they quote for.
They have advised that although you would not be able to find this as a question on their own website but under the assumptions they state;
'You and other drivers:
?have not been declared unfit to drive by the DVLA or advised not to drive by a doctor because of a medical condition which the DVLA required information about'.
I hope this helps although you may wish to contact the insurers directly if you require any further clarification on this matter.
Thanks again for using our website and for contacting comparethemarket.com.
Yours sincerely,
Ian Fiske
comparethemarket.com
As far as the RAC, Marks & Spencer and Post Office are concerned I have been advised that although they do recognise medically restricted licences these show as a full UK licence on their own sites and that this is satisfactory for the insurers themselves.
The A.A have told me that, on their website, they don't ask about medically restricted licences as this is currently classed as an 'assumption'. They have looked into your details and these show that you have a 'DVLA aware- 3 year restricted Licence' which they quote for.
They have advised that although you would not be able to find this as a question on their own website but under the assumptions they state;
'You and other drivers:
?have not been declared unfit to drive by the DVLA or advised not to drive by a doctor because of a medical condition which the DVLA required information about'.
I hope this helps although you may wish to contact the insurers directly if you require any further clarification on this matter.
Thanks again for using our website and for contacting comparethemarket.com.
Yours sincerely,
Ian Fiske
comparethemarket.com
automotorinsure
Newbie
- Messages
- 1
To be safe, yes, but anyone can let someone else borrow their car. It is still covered under their insurance. But if it were to be a regular occurance the company could contest any problem So to be safe, be on it. First thing I would do is contact the car insurance agent with the question.
As a matter of interest, it would be illegal for an insurance company to increase your premiums for being a diabetic with a 3 year license. It comes under the Disability Discrimination Act. You must inform them but they must not use it to increase the premiums they quote.
Smidge
Smidge
