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Choosing insulin? And experience of Avandia?
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<blockquote data-quote="Dennis" data-source="post: 43516" data-attributes="member: 1338"><p>Hi Rachel,</p><p>As regards the driving licence, the DVLA regulations (updated November 2008) say that anyone who is prescribed insulin has to advise the DVLA. You should also give them the details of your GP. They will contact the GP to check your history of hypos and, as long as your GP can confirm that you are safe to drive, then you will be allowed to drive cars (but not HGVs or PSVs) but you must re-apply every 3 years.</p><p></p><p>Insurance can be problematic. You must advise your car insurers, otherwise if you were ever to need to make a claim, they can (and in most cases will) say you failed to notify them of something that would have influenced their decision to insure you and therefore you are not insured! However, once you have advised them, the majority of insurers simply note their records about your diabetes and treatment and it doesn't raise your premiums. </p><p></p><p>For travel insurance, being diabetic increases their risk, and the fact that you have moved on to insulin is something they see as marking a significant deterioration in your condition and, although they will insure you, they will often not cover any situation arising from your diabetes. What you can do is to switch to one of the specialist insurers who do cover diabetes. I did that this year and found them to be significantly cheaper than my previous travel insurance.</p><p></p><p>With life insurance any policy you already have shouldn't be affected - the premium you pay is set at the time you take out the policy and it takes account of any risks the insurer may face as you get older and your health changes. But if you need to take out a new policy, or increase your existing cover, you will find most insurers will hike up the premiums enormously if you are on insulin.</p></blockquote><p></p>
[QUOTE="Dennis, post: 43516, member: 1338"] Hi Rachel, As regards the driving licence, the DVLA regulations (updated November 2008) say that anyone who is prescribed insulin has to advise the DVLA. You should also give them the details of your GP. They will contact the GP to check your history of hypos and, as long as your GP can confirm that you are safe to drive, then you will be allowed to drive cars (but not HGVs or PSVs) but you must re-apply every 3 years. Insurance can be problematic. You must advise your car insurers, otherwise if you were ever to need to make a claim, they can (and in most cases will) say you failed to notify them of something that would have influenced their decision to insure you and therefore you are not insured! However, once you have advised them, the majority of insurers simply note their records about your diabetes and treatment and it doesn't raise your premiums. For travel insurance, being diabetic increases their risk, and the fact that you have moved on to insulin is something they see as marking a significant deterioration in your condition and, although they will insure you, they will often not cover any situation arising from your diabetes. What you can do is to switch to one of the specialist insurers who do cover diabetes. I did that this year and found them to be significantly cheaper than my previous travel insurance. With life insurance any policy you already have shouldn't be affected - the premium you pay is set at the time you take out the policy and it takes account of any risks the insurer may face as you get older and your health changes. But if you need to take out a new policy, or increase your existing cover, you will find most insurers will hike up the premiums enormously if you are on insulin. [/QUOTE]
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