car insurance question

helpimcrap

helpimcrap

helpimcrap

Soldato
Joined
13 Jan 2004
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Location
Leicestershire
i'm trying to get car insurance sorted and having a few issues.

the situation is i currently hold a license with no restrictions which the DVLA are aware of and have given it me back.

i'm having an op on my left little finger next month which presumably won't affect my driving BUT....

if it does and i have to be reassessed, my insurance becomes invalid.

where do i stand? are there any insurance companies that i can alter the policy with as the cost is the same for 0 to 3 years restriction?

it's notme trying to cause issues but for some reason if i have an accident i actually want them to look after me but due to my upcoming ops it seem most insurance company operatives tend to not be skilled in medical knowledge as all i've been able to get is - i 'should' be ok. but they won't put it in paper? why not?
 
I don't quite get what you're trying to ask. If the DVLA say you can/can't drive then you have to go with that.

If you have a restriction placed on your insurance then you have to declare it, otherwise it's fraud and you'd be in trouble if you got found out. It might affect your premium if you do declare it but it's the only way to stay legal.

Or is that not what you're asking?

[Edit] I think I understand - but you'll need to ask your insurer. If the person on the phone doesn't know, ask to go higher to someone who does. And make sure you get it in writing - otherwise in the event of a claim they could say you didn't notify them.
 
Hi. I'm not really sure what your asking either but all insurance companies can change their policies mid-way through if you call them and give them the amended details. If your found not to be fit to drive then they should refund the rest of your policy and if you have new restriction placed on you then you should call them so they can just put this on their records.
 
i know that when i get insurance i enter into a 12 month contract. fair dos right?

with my forth coming ops there might be restrictions applied by the DVLA.

what this means is the contract changes and my insurance may become invalid as i can't get it changed and they could refuse to insure me.
 
Sorry, but I don't quite understand the exact issue you are facing.

Regardless, surely you have to wait until you have your operation so you can see whether you are impeded when driving, and then if you are, you need to get assessed by the DVLA. It is only after that that you will be able to consider the insurance situation properly.

Best of luck with the op anyway.

Rgds
 
helpimcrap said:
i know that when i get insurance i enter into a 12 month contract. fair dos right?

with my forth coming ops there might be restrictions applied by the DVLA.

what this means is the contract changes and my insurance may become invalid as i can't get it changed and they could refuse to insure me.
Click to expand...

You can cancel the insurance at any time should they not wish to continue cover...

I dont understand the problem :confused:
 
radderfire said:
Sorry, but I don't quite understand the exact issue you are facing.

Regardless, surely you have to wait until you have your operation so you can see whether you are impeded when driving, and then if you are, you need to get assessed by the DVLA. It is only after that that you will be able to consider the insurance situation properly.

Best of luck with the op anyway.

Rgds
Click to expand...

i'm getting mega confused why no one can see the issue?

i got shafted by an insurance company when i had to pay out the full policy after i cancelled as i sold the car. i DO NOT want that to happen again hence my dilemma. having never had a driving assessment i'm not sure what's involved directly. all i'm asking is if my license goes from full license with no restrictions to a license with 1/2/3 years restriction am i still insured? technically the insurance is a 12month contract and i would not be honouring that contract if my license is restricted as i took the insurance out with 0 restrictions.
 
People do not understand the issue because the issue does not exist.

1) You buy insurance for a 12 month period.
2) If at any point you or them do not wish to continue, you phone them, and say "i no longer require my cover thanks", they then say "ok, we owe you £x, it will be credited to the card on which you paid for the policy on".

Then you re-arrange suitable cover at a future date.
 
and the point being i wouldnt want the cover cancelling but i might no longer be in possession of the license i had the cover with hence the question. but seeing as its not important i'll just drive around. insurance is insurance and a license is a license. :cool::)
 
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I have no idea what you are saying really, your English is quite badly written. Basically, buy insurance. If you have issues with your license being revoked, or whatever, phone the insurance and cancel it.
 
If you made the effort to write comprehensible English, it would be a lot easier for people to answer your questions :)
 
i thought i was writing it ok. given the fact i don't work in insurance i don't know the terminology and i only know terms as a punter.

this is normal:

ring up insurance
give details
get insurance

this is what i'm asking:

ring up insurance
give details
get insurance
details change due to operations and am i tied into the insurace after giving the details and paying the money hence invalid insurance as the details i gave are now wrong? do i get my money back but more importantly - can i alter it?
insurers say it 'should' be ok. no good to me as they won't put it in writing so i stand to lose a years insurance money and i'm not made of money.

but ignore it. i'll go with how everyone else does it.
 
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helpimcrap said:
and the point being i wouldnt want the cover cancelling but i might no longer be in possession of the license i had the cover with hence the question. but seeing as its not important i'll just drive around. insurance is insurance and a license is a license. :cool::)
Click to expand...

We are trying to help :D

I suggest that you just wait until you have established whether you are going to have your licence changed by the DVLA. Let's say you are, then speak to your insurer. If the call centre staff can't answer, ask for someone more senior. If they will no longer insure you, I would expect you can claim a refund. You could then see if other insurance companies will cover you, maybe try specialist companies like:

http://www.adrianflux.co.uk/

Rgds
 
helpimcrap said:
details change due to operations and am i tied into the insurace after giving the details and paying the money hence invalid insurance as the details i gave are now wrong? do i get my money back but more importantly - can i aklter it?
Click to expand...

Once you have informed a given company of the change in your circumstance, they'll either amend your policy accordingly, or you are likely to be able to claim a refund and then try other insurance companies for cover.

Rgds
 
cool,so i can change the insurance at any time if my details change. cool. the last insurance i cancelled was the AA and they were crap. i cancelled it and they charged me the yearly amount as they'd already paid the underwriters. thence this thread as i can't afford for it to happen again if i have a car.
cheers.
 
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