odd car insurance question.

helpimcrap · 19 Jun 2009 at 21:15

basically i'll get a car and insure it with the telling them the DVLA is aware of my medical records/disabilities and i've been given no restrictions so i've got that covered.

my question is this:

i'm going to have an operation on my little left finger in a few weeks hopefully and i'm not sure how it will go. hopefully, hopefully it'll go ok and if anything after a few days i'll have more movement but how does it affect my insurance? hopefully, and i really mean hopefully i'll have my right elbow operated on too.

i don't want to insure a car and not be able to drive it.

how would it work? i might need to redo my driving assessment and on 3 years restriction it's no different in price but obviously i don't want to take insurance out and not be valid after 2 bloody weeks! can the insurance amend the contract or is it a waste of time even trying to get insurance til its sorted? might work out cheaper to pay fines for no insurance rather than be held to various 12 month contracts. i got stiffed by the AA last time as when i cancelled it i had to pay the years premium. i'd have been better off letting the insurance cancel my direct debit by not paying it. price you pay for being too honest.

helpimcrap · 20 Jun 2009 at 10:48

no answers? :confused:

i take it nobody works in insurance then. :confused:

iaind · 20 Jun 2009 at 10:51

Doesnt look like it.

Call your insurance company and ask them?

helpimcrap · 20 Jun 2009 at 10:57

iaind said:
Doesnt look like it.

Call your insurance company and ask them?

i'm not insured. thats why i'm asking. i thought somebody else has gone through the process as i know for a fact i'm not the only one to do so.

Kitchster_uk · 20 Jun 2009 at 11:06

No, as far as I understand, you won't be 'insured' properly whilst the operation affects your ability to drive but once it heals you are fine UNLESS it is botched and you lose use of your elbow.

Demon · 20 Jun 2009 at 11:19

helpimcrap said:
i'm not insured. thats why i'm asking. i thought somebody else has gone through the process as i know for a fact i'm not the only one to do so.

WhenI had my back op, the consultant explained that I didn't need to inform my insurance company, but I couldn't drive for 6 weeks until I'd been signed off.. which seemed common sense.. As I'd only be driving when officially medically 'fit'.. which I guess is the bottom line..

I think at the end of the day, you are either fit to drive, or not fit to drive when it comes to 'temporary' operations, if you had an accident, and your 'phsyical' condition came into question, they'd ask your consultant etc if you where fit to drive etc, and so hence why I'd start with him..

I know people with epilepsy and other such chronic conditions so need to inform DVLA/Insurers, but in these cases the Doctors normally inform DVLA and explain it all to you..

helpimcrap · 20 Jun 2009 at 12:51

Demon said:
WhenI had my back op, the consultant explained that I didn't need to inform my insurance company, but I couldn't drive for 6 weeks until I'd been signed off.. which seemed common sense.. As I'd only be driving when officially medically 'fit'.. which I guess is the bottom line..

I think at the end of the day, you are either fit to drive, or not fit to drive when it comes to 'temporary' operations, if you had an accident, and your 'phsyical' condition came into question, they'd ask your consultant etc if you where fit to drive etc, and so hence why I'd start with him..

I know people with epilepsy and other such chronic conditions so need to inform DVLA/Insurers, but in these cases the Doctors normally inform DVLA and explain it all to you..

that's great. very informative. the doctors told me i had to contact the dvla when i got out of hospital and the dvla has declared me fit to drive.

however that situation could change as i'll be having my left little finger operated on shortly and hopefully my elbow(the right elbow is the more extreme of the ops). the little finger is currently dislocated and broken but at the moment it doesnt really offer a problem driving and i don't expect it will offer an impairment to driving but the elbow if i have it done will.

so essentially the docs said i 'might' be able to drive but i'd have to pass a dvla assessment which i did. so until my finger op i'm fine. after the finger op i don't forsee any problems but i'm not sure of the dvlas stance on it. it may be that the doctors advise me that i don't need to contact the dvla as the operation wasn't serious enough to warrant it. i guess then it comes down to my perception of safety etc. the onus is on me if it happens to go that way which i'd prefer.

since the accident i've always sought criticsm rather than praise as criticsm tells me where i've gone wrong and where i can improve.