Hi all, I wonder if you could help me with a query on general branch insurance. I'm a couple of months into my private motor insurance policy. Do I have a duty to inform the insurer of a recently diagnosed medical condition? If I do is insurance cover withdrawn or a loading imposed?
My driving licence is valid for a few more years but I may have to notify the Driving Licensing Authority. At that point do they withdraw my licence or do they permit me to drive but I must obtain a medical certificate from my GP?
I've checked out the RSAs guide to medical fitness to drive guidelines group 1 drivers issued Feb 2013. I note the condition I have requires declaration but I am confused by their wording 'Medical conditions requiring declaration at application for and renewal of driving licence'.
My licence renewal isn't for a few years but does the new licensing authority consider disclosure of a medical condition as a reason to bring forward the renewal date of the licence. In other words on notification they effectively withdraw your licence until production of a medical certificate? The GP also has an obligation to notify but I'm not 100% sure if all of this is actual law at present or is it in the process of going through?
I am still having ongoing investigations. At present I believe the condition would not prevent me from driving but may require a yearly licence review.
Should I wait until these tests have been completed to inform Licensing Authority or my insurer? If I have to who do I inform first?
Thanks in advance for any views offered.
My driving licence is valid for a few more years but I may have to notify the Driving Licensing Authority. At that point do they withdraw my licence or do they permit me to drive but I must obtain a medical certificate from my GP?
I've checked out the RSAs guide to medical fitness to drive guidelines group 1 drivers issued Feb 2013. I note the condition I have requires declaration but I am confused by their wording 'Medical conditions requiring declaration at application for and renewal of driving licence'.
My licence renewal isn't for a few years but does the new licensing authority consider disclosure of a medical condition as a reason to bring forward the renewal date of the licence. In other words on notification they effectively withdraw your licence until production of a medical certificate? The GP also has an obligation to notify but I'm not 100% sure if all of this is actual law at present or is it in the process of going through?
I am still having ongoing investigations. At present I believe the condition would not prevent me from driving but may require a yearly licence review.
Should I wait until these tests have been completed to inform Licensing Authority or my insurer? If I have to who do I inform first?
Thanks in advance for any views offered.