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Can insurance companies find out?

Arran

Can insurance companies find out if a person taking out a policy has an official diagnosis of Asperger syndrome? If so, then how do they do it?

I have have not informed my car insurance company about my diagnosis when I took out a policy but I have been verbally informed that failure to inform them means that I'm effectively driving without insurance.

Parents

  • Who informed you of this?

    Asperger's does not disqualify you from driving.  The only proviso the DVLA makes is that you inform your GP and if they advise you not to drive then you shouldn't.

    http://www.autism.org.uk/living-with-autism/out-and-about/driving.aspx

    You will see near the bottom it says this:

    Insurance

    A car insurance company should be notified of a disability. Under the Equality Act 2010 (or Disability Discrimination Act 1995 in Northern Ireland), insurers can only charge disabled people higher premiums if the extra charge is based on factual or statistical data, or there are other relevant factors which indicate that a disabled person is at higher risk.

    The NAS Autism Helpline does not know of any car insurance companies who are specifically aware of ASDs. We can only suggest that you check in detail the policy of individual insurace companies. Please see the 'Useful contacts - insurance' section below for details of some specialist companies who provide insurance for people with a disability.

    https://www.gov.uk/asperger-and-driving

    http://www.asperger-syndrome.me.uk/car.html

Reply

  • Who informed you of this?

    Asperger's does not disqualify you from driving.  The only proviso the DVLA makes is that you inform your GP and if they advise you not to drive then you shouldn't.

    http://www.autism.org.uk/living-with-autism/out-and-about/driving.aspx

    You will see near the bottom it says this:

    Insurance

    A car insurance company should be notified of a disability. Under the Equality Act 2010 (or Disability Discrimination Act 1995 in Northern Ireland), insurers can only charge disabled people higher premiums if the extra charge is based on factual or statistical data, or there are other relevant factors which indicate that a disabled person is at higher risk.

    The NAS Autism Helpline does not know of any car insurance companies who are specifically aware of ASDs. We can only suggest that you check in detail the policy of individual insurace companies. Please see the 'Useful contacts - insurance' section below for details of some specialist companies who provide insurance for people with a disability.

    https://www.gov.uk/asperger-and-driving

    http://www.asperger-syndrome.me.uk/car.html

Children
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