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Insurance & epilepsy

  • 21-08-2016 8:31pm
    #1
    Jammyc
    Registered Users, Registered Users 2 Posts: 1,979 ✭✭✭


    Hi all,

    I'm 25 and I've a learner's permit (originally issued 4 years ago and re-issued this year) & want to start learning in the near future. I have been cleared to drive by consultant & GP with regard to my epilepsy.

    I'm expecting to have a higher insurance premium due to the diagnosis of epilepsy but the question is - does anyone have any experience of by how much it might increase? 10%? 20%?

    I've a feeling the question might be how long is a piece of string but if anyone has any experience with this, I'd really appreciate hearing from you.

    Cheers


Comments

  • #2
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Jammyc wrote: »
    Hi all,

    I'm 25 and I've a learner's permit (originally issued 4 years ago and re-issued this year) & want to start learning in the near future. I have been cleared to drive by consultant & GP with regard to my epilepsy.

    I'm expecting to have a higher insurance premium due to the diagnosis of epilepsy but the question is - does anyone have any experience of by how much it might increase? 10%? 20%?

    I've a feeling the question might be how long is a piece of string but if anyone has any experience with this, I'd really appreciate hearing from you.

    Cheers

    In my experience loadings are not applied for medical conditions as that would be discriminatory.

    Every insurer will ask for a medical cert (which you have) and look for a new one at each renewal but other than that there should be no issues with relation to the condition.


  • #3
    cplwhisper
    Registered Users, Registered Users 2 Posts: 797 ✭✭✭cplwhisper


    Agree, no loading for medical but they will request sight of your drivers licence to confirm code 101, so they are satisfied that you have declared Med info to NDLS.

    The expiry date of licence is recorded and sight of renewed licence before that years renewal is normal practice.

    All the best


  • #4
    Jammyc
    Registered Users, Registered Users 2 Posts: 1,979 ✭✭✭Jammyc


    That's a really pleasant surprise. Thanks very much to both of you. I was honestly convinced that insurance companies could legally charge a higher premium for higher "risk" etc.

    Thanks for the info.


  • #5
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Jammyc wrote: »
    That's a really pleasant surprise. Thanks very much to both of you. I was honestly convinced that insurance companies could legally charge a higher premium for higher "risk" etc.

    Thanks for the info.

    Your condition does not effect your ability to drive so it cannot be loaded.

    It would be viewed the same as someone with a pacemaker, once you are deemed medically fit to drive by your doctor then that's all that insurers are concerned with.

    I actually had a case in the last week where a policy holder suffered a seizure a couple of months ago. Their physician said they should not drive until mid October so it was simply a matter of suspending the policy until the person is certified fit and the suspension will be lifted, no loading's or conditions applied.

    Best of luck with the search.


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