Notifiable medical conditions for car insurance

26th November 2018by Joanna White

Once you’ve passed your driving test, it’s fully valid until the grand old age of 70, when you need to renew it every three years. That is, unless you lose it due to a driving conviction or criminal charge, or if your health starts to affect your ability to drive.

While most conditions are able to be treated through medication, and you can still drive while taking them, it’s still absolutely imperative to disclose the ones listed by the DVLA.

It’s a legal requirement to keep the DVLA aware of your health and medical conditions, as well as any medication that you’re taking that could affect your driving ability. You should also inform your car insurance provider so that they can adjust your insurance policy if needed.

Your car insurance may decide that you’re no longer eligible for their particular policy if you disclose a certain medical condition, as it may affect your claim through your insurance. Each individual car insurance provider will differ slightly when it comes to which medical conditions are not suitable for their car insurance, so it’s a good idea to carry out thorough research and make sure your provider is fully aware.

Medical conditions you must disclose

It’s such a shame when a medical condition affects your everyday life, especially with regards to driving as it can actually prevent your driving licence from being valid if the DVLA declares you as unfit or unsafe to drive.

Take a look at the extensive list below of all the medical conditions that you must make your car insurance provider and the DVLA aware of.


If you suffer from diabetes, then you may have to inform the DVLA of your condition.

If you take treatment with insulin in for your diabetes then it is a legal requirement to inform the DVLA; however, if your condition is managed by tablets or non-insulin based medication then you do not need to let the DVLA know.

Loss of sight

Of course, it’s imperative that your sight must be very competent in order for you to drive safely as you need to be able to see the road ahead, be aware of other drivers and be able to read road signs.

In order to keep your driving licence (even if you use glasses) you must be able to read a number plate on a car that’s a minimum of 20.5m away.

If you’re suddenly required to wear glasses or contacts, lose sight in one eye or start experiencing night blindness, then you must make the DVLA aware.


There are differing laws and requirements when it comes to epilepsy, so each case is usually treated individually.

If you suffer regularly from awake seizures and it begins to affect your everyday life, then your driving license may be revoked by the DVLA. Oftentimes, you will regain your driving license if you’ve gone more than six months without suffering from a seizure, but each person’s eligibility differs on a case by case basis.

Heart conditions

Most heart conditions do not need to be made aware of to the DVLA, however if you’ve recently had surgery or treatment to your heart then you must speak to your doctor about whether it is safe for you to drive again.

If you’re in doubt of your eligibility for driving, get in touch with the DVLA who can advise you on whether you should be driving or not.

Sleep apnoea

If you suffer from obstructive sleep apnoea that affects your ability to drive safely, then you must inform the DVLA.

Depending on the severity of your condition, you may still be able to drive so just check with your doctor who will be able to advise whether your driving will be affected by sleep apnoea.


When you suffer from a stroke, you’ll likely be advised by your doctor to take it easy when it comes to driving, and you may be advised not to drive for a couple of weeks.

However, you only need to let the DVLA know if you’re still suffering one month after your stroke.

Syncope (fainting)

Fainting at the wheel of a car can obviously be incredibly dangerous; not only for yourself, but also for other road users and pedestrians.

You must ask your doctor whether your fainting episodes or loss of consciousness can affect your driving and if so, make sure the DVLA are aware of it.

Other neurological conditions

There are numerous other conditions that can prove to be detrimental to your driving ability, including motor neurone disease, brain injuries and narcolepsy.

It’s imperative to inform the DVLA and your car insurance provider if you suffer from any of the medical conditions mentioned above.

How to tell the DVLA

There are a number of ways that you can notify the DVLA about any medical conditions that you suffer from.

The first thing to do is to actually check if you need to let the DVLA know about your medical condition. Then you can go on the DVLA website and fill out the necessary forms and questionnaires required.

You can also contact the DVLA via phone, post or email if you’re still unsure about what to do regarding your medical conditions and your eligibility for driving.

What you need to know

When it comes to notifying the DVLA and your car insurance provider of the medical conditions that you suffer from, there are a few things to note.

Fine of up to £1,000

If you fail to tell the DVLA about a medical condition you have that may affect your ability to drive safely, then you could find yourself facing a fine of up to £1,000. Furthermore, you may even be prosecuted if you suffer from an accident due to your medical condition that you failed to inform the DVLA of.

Your car insurance provider may also declare your policy as invalid if you haven’t made them aware of any issues that you suffer with regards to your health.

Surrendering your driving licence

One important thing to note is that if your doctor urges you to stop driving for three months due to your medical condition, then you must surrender your driving licence to the DVLA.

While this may seem extreme, it’s a legal requirement to hand your licence back to the DVLA who can then reissue it after you meet the medical standards required for safe driving again.

Conclusion – notifiable medical conditions for car insurance

While it’s obviously incredibly important to make the DVLA aware of any medical conditions that you suffer from, it’s also imperative to make sure your car insurance provider is aware too.

This is because your car insurance policy may be affected by the medical condition you have, and your policy could become void should you need to make a claim on it.

In order to prevent this from happening, make sure the DVLA and your car insurance are aware of any conditions you have as soon as possible.

If you have a medical condition you can search over 100 Car Insurance policies using Quotezone Car Insurance to find the right policy at the right price.

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