you could do a search on moneysupermarket or one of the other comparison sites. you shouldn't have to pay more because of the narcolepsy - i didn't, and i declared that i have a 3yr licence because of a disability that DVLA are aware of (I don't think i paid more anyway, unless the increase for me was very marginal because i've had insurance and no accidents for years - I only pay £300 fully comp on a sporty car, i realise the same isn't necessarily true for a young lad). I think the reasoning is that if DVLA allow you the licence, they are in effect saying you are not a higher risk, if you were considered a risk then DVLA shouldn't allow you the licence, insurance companies shouldn't discriminate. Luckily however mine was not revoked then reapplied for, i had held insurance for years and had full no-claims. I think if your son has to pay more it will have more to do with being a new licence and having no no-claims to reduce the cost, rather than being about the narcolepsy.
As it was not his fault the licence was revoked then re-allowed, have you asked DVLA for advice on where you stand re. insurance? that doesn't seem fair that he should be penalised for their administration procedures.
Discussion Topic
Car Insurance
Posted on 10/06/08, 03:33 pm
Can anyone recommend a car insurance company that doesn't sting you too much for having Narcolepsy? My son is now allowed to reapply for his driving license after it being revoked. My concerns are being 21, and having it revoked, it is now going to be sky high!
Thanks in advance
Annie50
Thanks in advance
Annie50
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Reply #1 10/06/08 6:10pm
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Reply #2 10/06/08 6:13pm
Apart from that Annie, I just noticed your son has C too, so congratulations that he has been allowed to have his driving licence, it must be well-controlled now is it?
i do hope he is careful and safe though and responsible enough to refrain from driving if he feels there is any risk of a C attack -
Reply #3 10/07/08 5:35pm
Hi Dallin
Thank you for your reply. My son has now had 3 months clear from cataplexy, i think this is why the consultant has now said he is happy for him to reapply for his license. His C attacks were all confined around his exams when he was newly diagnosed with Narc. He was extremely stressed with both the new diagnosis and trying to sit exams for which he had missed the majority of the Uni year. They appeared to be triggered only by severe stress rather than any other emotion. For this i think he was really fortunate compared to a lot of people. It always affected the whole of his left side, and he would collapse to the floor. It seems that his illness was peaking at this time. At the moment he is well controlled on his meds, I am hoping so much that it lasts. Before the N&C kicked in big time, he was only a named driver on a car, due to the cost, so I think thats what I will be looking into intially. He does not need a car at Uni, but he does miss driving.Its mainly for the holidays, when he could drive mine. I will definately be keeping a watchful eye on him, and if I have any doubts about it, believe me he will be no where near a car. -
Reply #4 10/07/08 6:35pm
i know that car insurance is really expensive for 1st time drivers now, especially young lads. i used to have a 1.4 astra and we got a quote for my son a couple years ago, and back then the quotes were over £2k. to see if there's any difference due to the medical condition, go on moneysupermarket and compared.com etc, and run thru 2 quotes, one declaring a full licence and one declaring limited licence, that's of course if the licence is limited, is it like mine - reviewable after 3 years?
it may be cheaper to have him as a named driver, but like i said to my sons, they need to start building up their own no claims otherwise it will never get any cheaper for them, and you need to remember - most new drivers will have a bump at some point in their early driving days, so you are putting your own no-claims at risk if they're just named on yours -
Reply #5 10/09/08 4:06am
There is one which will let named drivers build up their own no claims bonus while driving on your policy. Can't remember which one though.
I always find confused.com does the job.
And no the cost of my insurance did not rise when I inormed them about my N&C, or since.
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Reply #6 10/11/08 2:55am
That does sound hopeful thx. Did you ever have yours revoked noseycow?
Dallin if my no claims is protected,it should'nt be affected should it if he has an accident? -
Reply #7 10/11/08 9:15am
Annie
I haven't had my insurance revoked, they have taken my full driving license from me and put me on a restricted license that has to be approved by my doc every three years. But it has had no effect on my car insurance (or holiday insurance)!
Hubby says it might be direct line or churchills that let named drivers build up a no claims discount. I don't think that either of these are accesable via the comparison web sites, worth checking when you do it though.
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Reply #8 10/11/08 5:01pm
I don't know how no claims protection works in detail, i've always had it but never had a claim, it's worth checking small print though to make sure your no claims is protected if it's a named or new driver driving.
Does your son have a 3-year reviewable licence too Annie?
The main difference i found on my licence was they took away my ability to drive a large vehicle on it, like a luton van eg if i was moving house, i hired one of these many years ago but wouldn't be able to now. I have to check on the limit cos i wanted to buy a mobile home but i might be restricted on that now, that's a shame, would have been perfect if i needed to stop and have a nap lol
I also used to have automatic entitlement to ride a motorcycle, but now would have to go through a motorbike test i believe too. -
Reply #9 10/11/08 5:03pm
i wasnt sure of the holiday insurance noseycow, i've never declared narcolepsy for that, cos i know it affects my dad's travel insurance, he has diabetes (variable in stability) and the insurance would cost more than a holiday. -
Reply #10 10/13/08 7:34am
dallin
I have declared narc& cat for my holiday insurance and it has not affected the quote. I like to be honest though because I didn't want to have a cataplexy attack break my arm or something and find that I wasn't covered.
(hopefully will never happen but you never know do you?)
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This group is for us to discuss issues specific to the UK such as medical and employment issues. For general discussion relating to symptoms, management of narcolepsy, everyday stuff etc. please continue to use the Daily Strength Narcolepsy group (link above) as those discussions are beneficial for all narcolepsy sufferers around the world, but disability law, disability benefits and medical resources available here in UK differ so this is the place to discuss and find and offer help
