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Thread: Bike insurance and hypertension

  1. #17
    Bollox Click here to find out how to Subscribe
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    Your contract is with the insurance company, not the DVLA.

    You’re (basically) invalidating that contract from the very beginning and therefore (possibly) wasting your money.

  2. #18
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    Quick google search and there's a list of notifiable stuff half way down:

    https://www.compareukquotes.com/insu...yAAEgI3R_D_BwE

    Not sure I would want to take the risk of not declaring any of those that are on that list!

  3. #19
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    It is very simple. An insurer can ask any question they deem necessary in order to assess risk. But, that question has to be reasonable in the context of the insurance being sought. Here is a simple example, it is not a requirement of the DVLA that you be married or single or divorced, though that is frequently a question that is put to people filling in the proposal form.

    The insurer in this thread has, apparently, deemed it relevant to their (not yours or the DVLA’s) risk assessment to ask about certain medical conditions. If you do not want to answer the question(s) or find it an outrage that the question(s) were even asked, find another insurer and / or report the matter to the FCA, who will review your complaint on its merits. By and large, the FCA is sympathetic to private citizens’ problems, so give it a go.

    Yes, knowingly telling a mistruth when seeking insurance might and can lead to the policy being voided (cancelled) from inception. That though is not always a simple process for the insurer to enact. Is it worth gambling on? No but neither (in my view at least) is the 3:15 at Chepstow but thousands of people still do it.

  4. #20
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    Read my post the insurance company or broker has no legal right to personal medical information or conditions other than those which the dvla legally require to be made aware of that are directly related to your physical or mental ability to safely drive a motor vehicle on a public road.

  5. #21
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    Quote Originally Posted by Neil W View Post
    Read my post the insurance company or broker has no legal right to personal medical information or conditions other than those which the dvla legally require to be made aware of that are directly related to your physical or mental ability to safely drive a motor vehicle on a public road.
    They can ask you any questions they like. You're not obliged to answer them and they're not obliged to offer cover.
    There can only be 11 and I'm one.

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  6. #22
    Bollox Click here to find out how to Subscribe
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    Quote Originally Posted by Neil W View Post
    Read my post the insurance company or broker has no legal right to personal medical information or conditions other than those which the dvla legally require to be made aware of that are directly related to your physical or mental ability to safely drive a motor vehicle on a public road.
    You don’t need to break the law to break a contract.

  7. #23
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    Quote Originally Posted by Neil W View Post
    Read my post the insurance company or broker has no legal right to personal medical information or conditions other than those which the dvla legally require to be made aware of that are directly related to your physical or mental ability to safely drive a motor vehicle on a public road.
    The insurer is not doing anything illegal. It is also ‘illegal’ (in some circumstances) to demand someone’s age but they do that, too. As I said, take it up with the FCA if you feel strongly enough or just tell the chimp on the phone to feck off and go do one.

    As usual it all boils down to nothing more than how the question is asked. For example, do you suffer from any diseases / medical conditions that are noticeable to the DVLA? Is not the same as asking if you suffer from any diseases / conditions that (though controlled) are advisable to the DVLA. Which is not the same as asking: Do you suffer from any of the following.... followed by a list of the conditions / diseases that are notifiable.

    Of course it is entirely up to the individual how they chose to answer (or not) the questions.

  8. #24
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    Ok, out of curiosity, say someone fails to declare that their bike has a set of cruiser (ie forward fitted comfort) footpegs or that they have a managed health condition like hypertension and following an accident the undeclared 'modification / condition' is discovered. Is that a problem if the cause of the accident is completely unconnected?

  9. #25
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    They would chop off your hands. It's the law.

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