Should I declare a past medical condition?

[SBD]

I had a (happily very minor) heart attack a year or so ago, no heart damage, fitted with stent, statins & aspirin for life.

I checked online and for security, with my car insurance agent, both said there was no need to declare it. I didn’t declare it on my bike insurance renewal. Should I?

 

[Wapping]

If your motor insurance provider asks you any question, answer it honestly.

 

[MRDDD]

I had a small stroke in September 4 mri scans and 2 Ct scans later they can’t find what caused it . They think it was a burst blood clot above my right eye. I’ve contacted my insurers and they have my medical records and no extra charge has been put on my policy tell the truth always. if anything occurs hopefully not and the police or ambulance called your medical records will be evidence. You could then be charged with driving with incorrect insurance and prosecuted also if a tragic accident happens you could loose more than you could ever imagine. on a valid point something happened to a family member or loved one and the had not told there insurance my guess you would sue them for every penny they have. I hopes this works for you because you will always get the speeders, drinkers and pill takers that will say it will never happen to me . Ride safe

 

[Mr Derek]

If your motor insurance provider asks you any question, answer it honestly.

It really is this simple.

 

[brut33]

If in doubt, declare.

 

[wessie]

for motor insurance, there seems to be only one medical question. Do you have any health conditions that have to be notified to DVLA? In my case the answer is yes. There is usually a drop down for me to select "DVLA aware, no restrictions" but DVLA will write to my consultant periodically to check I am compliant with using a CPAP. Other conditions might be diabetes treated with insulin, epilepsy etc.
Most of the comparison sites have now modified their questions to include this one whereas in the past they had a list of exclusions on the front page where you declared you had no such condition to report. It is important when getting a quote online to read that first page of conditions you are agreeing to.

 

[Wapping]

If in doubt, declare.

Only answer the questions you are asked and answer them honestly. Why on Earth start volunteering additional ‘information’ that you have not been asked to provide?

 

[brut33]

Only answer the questions you are asked and answer them honestly. Why on Earth start volunteering additional ‘information’ that you have not been asked to provide?

Point taken.
I've perhaps become a tad over cautious re declaring everything. If they don't want to know something I'm happy to be told to feck off.

 

[Wapping]

 

[FatAl]

42 years ago I sustained a serious head injury causing me to have a couple of blackouts (Paving stone dropped on my head in a riot) I had to surrender my driving licence for 12 months on medical grounds. I then had to fight to get my licence back, luckily I had an excellent consultant who fought my corner for me. He was able to prove it wasn't epilepsy and I got the licence back, but for three years initially. I then had to reapply again proving I was medically fit to drive, this is despite me having just completed a four week police driving course. I had a 50% loading on my insurance premium for the first 12 months, but nothing since.
I do not have any restrictions on my licence, and suffer from no medical condition that would affect my driving. I do however always declare this incident to my insurers (in writing/email) but I am always told it is no longer relevant due to it being more than five years ago.