Page 1 of 2 12 LastLast
Results 1 to 16 of 25

Thread: Bike insurance and hypertension

  1. #1
    Subscriber Click here to find out how to Subscribe
    Join Date
    Jan 2007
    Location
    Hampshire
    Posts
    647

    Bike insurance and hypertension

    Been with Bennetts for 3 years and yesterday went to their website to insure another bike, usually renew on the phone.

    There was an option to declare medical conditions to which I have always said none in the past. Had a look and hypertension was on the list. Checked gov.uk and you do not need to tell DVLA if you have controlled high blood pressure. Wondering now why Bennetts are asking for personal data which is not relevant.

    Is this something new or have I been riding around for over 10 years without valid insurance?

  2. #2
    Subscriber Click here to find out how to Subscribe
    Join Date
    Sep 2005
    Location
    Scotland
    Posts
    20,518
    I guess that telling DVLA is different from what the Insurer wants to assess.

    In that respect - it appears relevant to the insurer (who can decide whatever medical condition they want to assess)

    DVLA - will assess if you should have a license or not

    Insurer - will assess if they want to accept the risk or increase the premium to cover that risk
    If I am ever on life support - Unplug me......
    Then plug me back in..........

    See if that works .....

  3. #3
    Subscriber Click here to find out how to Subscribe
    Join Date
    Sep 2019
    Location
    UK
    Posts
    326

    Bike insurance and hypertension

    I thought you only had to inform the insurer of DVLA-notifiable conditions?

    Hoping that’s still the case

    Otherwise it sounds like a way for Bennett’s to skim more money out of you ...

  4. #4
    Subscriber Click here to find out how to Subscribe
    Join Date
    Mar 2004
    Location
    now at Greggs #SLM
    Posts
    4,414
    Don't forget to declare that fungal toe nail and your farmer Giles

  5. #5
    Subscriber Click here to find out how to Subscribe
    Join Date
    Mar 2008
    Location
    London/Rome
    Posts
    3,151
    Is this something new or have I been riding around for over 10 years without valid insurance?
    I really don't think they can invalidate insurance on a (dubious) technicality like that.

    I wonder how many people declare they have herpes
    R1150R '03 [on hiatus]
    R1200GS Adv '07
    HP2 Sport '11
    DRZ 400
    [I'm the biggest limit on my bike]

  6. #6
    Subscriber Click here to find out how to Subscribe
    Join Date
    Sep 2005
    Location
    Scotland
    Posts
    20,518
    Quote Originally Posted by er-minio View Post
    I really don't think they can invalidate insurance on a (dubious) technicality like that.

    I wonder how many people declare they have herpes
    If they ask a question regarding health and you don't declare it - I think in the event of a claim for a driving incident, then they can indeed seek to invalidate the cover for 1st party, and possibly seek to claim back for any 3rd party claim.
    If I am ever on life support - Unplug me......
    Then plug me back in..........

    See if that works .....

  7. #7
    Subscriber Click here to find out how to Subscribe
    Join Date
    Mar 2008
    Location
    London/Rome
    Posts
    3,151
    I think that will be an interesting discussion in court.

    One thing is riding a modified vehicle (and even there... I find it unreal to have a policy void because I didn't declare a sat nav mount... as many believe in here), but I guess it would be a different story if I didn't disclose that I have back pain...

    Also, the way they ask the questions (on the phone) is very vague.
    Also, again, the way they report the details on the certificate is very vague.


    I'm not saying one has to cheat with the insurer at all.
    But there is a limit...

    Also, in the case of OP, there is a massive amount of people with undiagnosed ipertension.
    Would you have to declare any HIV to the insurer?
    Gender dysphoria? That would be an interesting one.
    R1150R '03 [on hiatus]
    R1200GS Adv '07
    HP2 Sport '11
    DRZ 400
    [I'm the biggest limit on my bike]

  8. #8
    Subscriber Click here to find out how to Subscribe
    Join Date
    Jan 2002
    Location
    Cheltenham
    Posts
    9,176
    I have hypertension, sleep apnoea and type 2 diabetes due to being a fat baby boomer.

    I don't declare any of them as they are all managed. The sleep apnoea is the only one I had to tell DVLA about but they have a letter from my consultant saying that I am compliant with treatment. In turn, I have a letter from DVLA stating I do not have to declare the sleep apnoea to an insurer. They will check again with my consultant after 3 years. I have a CPAP machine that logs when it is being used and sends data to my consultant via an app on my phone. If I do not meet the targets prescribed then I risk my licence being suspended.

    I have yet to see a motor insurance proposal form that asks to be told of any medical condition other than where there is a restriction applied by DVLA.
    This space deliberately left blank as the author writes too much pretentious bollocks as it is.

  9. #9
    Subscriber Click here to find out how to Subscribe
    Join Date
    Aug 2007
    Location
    UK/France
    Posts
    22,774
    Quote Originally Posted by wessie View Post
    I have hypertension, sleep apnoea and type 2 diabetes due to being a fat baby boomer.

    I don't declare any of them as they are all managed. The sleep apnoea is the only one I had to tell DVLA about but they have a letter from my consultant saying that I am compliant with treatment. In turn, I have a letter from DVLA stating I do not have to declare the sleep apnoea to an insurer. They will check again with my consultant after 3 years. I have a CPAP machine that logs when it is being used and sends data to my consultant via an app on my phone. If I do not meet the targets prescribed then I risk my licence being suspended.

    I have yet to see a motor insurance proposal form that asks to be told of any medical condition other than where there is a restriction applied by DVLA.
    Good luck with you claim when you take out a bus queue after falling asleep at the wheel.

  10. #10
    Subscriber Click here to find out how to Subscribe
    Join Date
    Jan 2002
    Location
    Cheltenham
    Posts
    9,176
    Quote Originally Posted by stolzy View Post
    Good luck with you claim when you take out a bus queue after falling asleep at the wheel.
    at the risk of feeding the troll:

    what part of *managed* do you not understand? Of all people, I thought you would understand the concept of diagnosis and treatment to mitigate risk?
    This space deliberately left blank as the author writes too much pretentious bollocks as it is.

  11. #11
    Subscriber Click here to find out how to Subscribe
    Join Date
    Aug 2007
    Location
    UK/France
    Posts
    22,774
    Quote Originally Posted by wessie View Post
    at the risk of feeding the troll:

    what part of *managed* do you not understand? Of all people, I thought you would understand the concept of diagnosis and treatment to mitigate risk?
    ‘Managed’ won’t matter if you have an accident where your undeclared health issue was, or even might have been an issue.

    You failed to declare. Your contract doesn’t say you don’t have to declare ‘managed’ conditions

    Hope it works out for you.

  12. #12
    Subscriber Click here to find out how to Subscribe
    Join Date
    Mar 2008
    Location
    London/Rome
    Posts
    3,151
    He wrote he has a letter from the DVLA that says he doesn’t have to declare the apnoea.

    Or I missed some bits?
    R1150R '03 [on hiatus]
    R1200GS Adv '07
    HP2 Sport '11
    DRZ 400
    [I'm the biggest limit on my bike]

  13. #13
    Subscriber Click here to find out how to Subscribe
    Join Date
    Aug 2007
    Location
    UK/France
    Posts
    22,774
    Quote Originally Posted by er-minio View Post
    He wrote he has a letter from the DVLA that says he doesn’t have to declare the apnoea.

    Or I missed some bits?
    Yes. He has to declare it to his insurance.

  14. #14
    Subscriber Click here to find out how to Subscribe
    Join Date
    Mar 2013
    Location
    The North
    Posts
    1,215
    How about mental health issues ? Maybe quite a few on this board would fall at the first hurdle I would guess after reading some of the posts and subsequent insults.

  15. #15
    Subscriber Click here to find out how to Subscribe
    Join Date
    Sep 2003
    Location
    Northumberland
    Posts
    7,492
    Quote Originally Posted by JohnnyOldBoy View Post
    Been with Bennetts for 3 years and yesterday went to their website to insure another bike, usually renew on the phone.

    There was an option to declare medical conditions to which I have always said none in the past. Had a look and hypertension was on the list. Checked gov.uk and you do not need to tell DVLA if you have controlled high blood pressure. Wondering now why Bennetts are asking for personal data which is not relevant.

    Is this something new or have I been riding around for over 10 years without valid insurance?
    Insurer or their agent have no right to private medical records and conditions unless you give it to them ,however, as the dvla only require information for certain medical conditions and hyper tension is not on that list I would not inform them.
    Call their bluff inform them that you do not suffer from any conditions that the dvla require to be informed of and ask for the reason in writing that they require access to private and confidential medical records regarding conditions that according to the dvla bear no relevance to your abilities to drive

  16. #16
    Subscriber Click here to find out how to Subscribe
    Join Date
    Aug 2007
    Location
    UK/France
    Posts
    22,774
    Why are we talking about the DVLA. What they want or don't want is entirely irrelevant in the context of a contract between you and an insurer.

    Calling their bluff sounds tough guy, but will butter no parsnips in the if you fall asleep at the wheel and haven't declared a relevant medical condition (sleep apnea). Kill a breadwinner or disable a child and you'll be paying for it the rest of your life.
    There can only be 11 and I'm one.

    My pics

Page 1 of 2 12 LastLast

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  

Anyone attending a Ride Out or Event organised through the UKGSer Forums does so at their own risk.
UKGSer.com or anyone organising an event posted here will not be held responsible in any way for damage or personal injury sustained while attending any such events.

Members attending any such event do so at their own risk.

The text, images, graphics, sound files, animation files, video files, and their arrangement on this Website are all subject to copyright and other intellectual property protection. These objects may not be copied for commercial use or distribution, nor may these objects be modified or reposted to other sites without prior written permission.

Disclaimer: Use or depiction of the BMW logo or trademark throughout this web site is for illustrative and editorial purposes only, and to the benefit of the trademark owner, with no intention of infringement of the trademark.

The UKGSer Forums may include adult content for which it cannot be held responsible. Your use of this website constitutes acceptance of the UKGSER network privacy policy



UKGSer is....

"A vent, a source of info, a source of bullshit, a source of humour and in the coming months, possibly a source of sanity." Big Lad March 2020

"I have always known this community is full good people even if most of you cover it up with piss n vinegar" Chad 2018

"Its about being a grown up hooligan - and if that means a dark visor, remus open pipe and a bit of speeding out of town then all well and good" Kaister 2005