• Replies 3 replies
  • Subscribers 25 subscribers
  • Views 6800 views
  • Users 0 members are here
Options
Related
Hints and tips
  • To quote someone's message, first select/highlight the relevant text, and then use the Quote button that appears
  • To "mention" someone, type @ followed by the start of the forum name, and choose from the list; that person will get a notification of being mentioned

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

  • It is interesting to note that insurance companies ask customers if they have any criminal convictions. It doesn't matter whether it is jailed for 30+ years for being a serial killer or a fine for dropping litter. Many insurance companies will not offer insurance to people with criminal convictions and others charge extortionate prices. Failing to declare a criminal conviction invalidates the policy.

    A discussion between Unlock and Malcolm Tarling of the ABI revealed that most insurance companies do not have the mechanism or the facility to assess the severity or relevance of criminal convictions. It's a binary black and white, all or nothing, approach.

    I am wondering if a similar situation applies with ASD. The insurance companies have no knowledge of the condition nor the mechanism to handle the situation when computing premiums. Therefore they just refuse to offer insurance or pluck an extortionate price out of thin air.

Reply

  • It is interesting to note that insurance companies ask customers if they have any criminal convictions. It doesn't matter whether it is jailed for 30+ years for being a serial killer or a fine for dropping litter. Many insurance companies will not offer insurance to people with criminal convictions and others charge extortionate prices. Failing to declare a criminal conviction invalidates the policy.

    A discussion between Unlock and Malcolm Tarling of the ABI revealed that most insurance companies do not have the mechanism or the facility to assess the severity or relevance of criminal convictions. It's a binary black and white, all or nothing, approach.

    I am wondering if a similar situation applies with ASD. The insurance companies have no knowledge of the condition nor the mechanism to handle the situation when computing premiums. Therefore they just refuse to offer insurance or pluck an extortionate price out of thin air.

Children
No Data