A guide to driving with medical conditions

If you've been diagnosed with a medical condition, it could affect your ability to drive safely. Here's what you need to know about notifying the relevant parties and how it might impact your car insurance.

Daniel Hutson From the Motor team
4
minute read
posted

Do I need to disclose my medical condition?

In most cases, you'll need to disclose your medical condition to both your car insurance provider and the DVLA. The exception is if you're deaf. There are currently no restrictions on driving a car, van or motorcycle with a hearing impairment.

Split 1

What are the notifiable medical conditions for car insurance?

If you suffer from any of the following, it’s essential that you notify the DVLA and your car insurance provider:

  • Diabetes (especially if you’re taking insulin)
  • Sleep apnoea
  • Fainting spells
  • A heart condition
  • Epilepsy
  • Strokes
  • Glaucoma

But these aren’t the only medical conditions that require disclosure. So, if in doubt, it’s always better to mention it to the DVLA.

How should I notify the DVLA of my medical condition?

You can find the relevant forms online via the gov.co.uk website

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What happens if I don’t disclose my medical condition to the DVLA?

You could be fined up to £1,000 if you fail to let the DVLA know about your condition. If you're involved in an accident and you haven't disclosed something that could affect your ability to drive safely, you might even be prosecuted.

What medical conditions can’t you drive with?

The DVLA works on a case-by-case basis. They'll make their decision based on how your condition might affect your ability to drive, with input from your doctor or specialist. While you might be allowed to keep driving, the DVLA could insist that you adapt your car or that you get a new licence. It may also insist on a licence with a shorter validity, to be reviewed in one or two years' time.

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Will I pay more for car insurance if I have a medical condition?

Some insurance providers may charge higher premiums for those suffering from certain conditions. The key to saving money is to shop around and compare quotes. Luckily, Compare the Market is here to make things easy. We’ll compare quotes from a wide range of insurance providers in the UK, in a few minutes. Start a quote with us today.

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