Published on 12, July, 2020
Hi all, I hope you are all safe and well ? This is my first post, I am posting on behalf of a friends acquaintance. They have asked me to find any information regarding discrimination and policy procedures with regards to car insurance.
Last week (Julie) had a car accident, thankfully she was not injured, but her car insurance have advised her that Insurance is void resulting in a very expensive claim and the hiring of a personal insurance lawyer, The insurance company have voided her insurance due to the non disclosure of her diagnosis. (unfortunately I do not know how they have become aware of this information). I have managed to find the following information - which also seems to have huge grey and contradictory areas, If anyone out there can advise me further or point me in another direction, this would be greatly appreciated. I am hoping from this post we can either educate each other or bring to light the unfair discrimination of Car Insurance companies in general.
Car insurance companies 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. Gov.uk states
Autistic spectrum condition (ASC) and driving
You must tell DVLA if your autistic spectrum condition (ASC) affects your ability to drive safely. This includes Asperger syndrome.
You can be fined up to £1,000 if you do not tell DVLA about a medical condition that affects your driving. You may be prosecuted if you’re involved in an accident as a result.
If you’re applying for your provisional (learners) driving licence
You do not need to tell DVLA about your condition unless you think that it may affect your ability to drive safely.
Ask your doctor if you’re not sure if your condition will affect your driving.
Car or motorcycle licence
If you already have a car or motorcycle licence you need to tell DVLA if:
Fill in form A1 and send it to DVLA. The address is on the form.
Many thanks in advance and thanks for taking the time to read !!
When I was diagnosed (in 2013) I explicitly asked if this was something for which I would have to notify the DVLA. I was told that it was not.
My view is that if the DVLA don't need to be told then insurers…
That's the same way I look at it. I've been driving since 1991 and was diagnosed in 2018, it never had any impact on my driving at age 17 and I'm still that same kid that passed the test back then…
According to the Gov.uk you need to declare only if it affects your driving.https://www.gov.uk/asc-and-drivingStatistically unmedicated drivers with ADHD are more likely to be involved in serious road…
If you’re a driver in North America, there is going to be an auto insurance plan for you. Suppose you have accumulated more than $40,000 in unpaid damages through auto accidents. In that case, you can apply for either a cash reduction or a replacement auto ticket with your damaged vehicle in the care of a local dealership. Suppose your car has been involved in an accident while being driven under the influence of alcohol or other drugs. In that case, there is also an option of getting a permanent replacement vehicle.