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Grandma

Being the sole driver of my MotorHome and just having had an unexpected Major Abdominal operation do I have to Notify my Insurers now? Will they let me drive in middle March? I am now two weeks Post Op and at Home but my Doctor said I cannot drive until discharged all clear which hopefully will be in about four weeks from now. The Doctor said his criteria was me being able to do an emergency stop without the rest of my innards falling out!! Nice sense of humour!

I should not be on any continuing medication after except for my High Blood pressure Tabs which the insurers already know about. My insurer is through the Caravan Club.
Any advice welcome as I have booked my easter hols in the Van and hope to be able to drive by then.

Thanks

pippin

Give your insurers chapter and verse - it is what they expect.

Far better than them invoking the non-disclosure get-out if you need to claim.

mangothemadmonk · NW Rally Co-ordinator

I'd let the know as they could make your insurance null and void if you should come to make a claim. They will try to wriggle out of paying up if they can.

Johnny F

Invicta

And get it in writing that they have accepted the condition!

thieawin

err

this is motor insurance we are talking about, right

whilst there is a condition of utmost good faith it only relates to relevant matters

Blood Pressure may be relevant

What relevance has your abdominal operation, as long as you make a full recovery. Is it going to affect your driving? Of course you must not drive in the mean time whilst doctor says no.

Think it through. You tell them and then they decline, you go on a register and have to tell any other insurer you have been turned down/refused. You can never drive again.

Which is the greater risk?

Grizzly

If you do not tell them and, for any reason, you have to claim, there is a strong chance that they will declare your claim invalid.

It's a no-brainer really; you have to tell them. This does not mean that they will refuse to insure you but they might ask for a reassurance from your doctor or they might put up the payment to cover what they perceive to be an increased risk.

I'm sure you're going to make a full recovery but simple complications do occur with abdominal surgery - things like adhesions or flatulence from disturbing the contents of the abdominal cavity. It is not impossible that you might need help for one of these while you are away and it would be a real
pain if you could not claim !

G

Invicta

In response to the above, my insurance company asks if I have had any operations. I feel it is always better to be safe than sorry so better to come clean with insurance companies. I have been quite impressed with those companies I have used by their covering of the several medical conditions I have as a result of an RTA that occurred 20 years ago and now others including hypertension as old age creeps on!

I have done a bit of medico legal work and have seen how insurance companies try to wriggle out of paying up. Your company may pay up but as sure as eggs are eggs, if another person is involved their company will try anything not to pay up!

thieawin

Invicta and Grizzly, either you or I have mis read the question so either your answer is wrong or mine is

The poster askes about his driving insurance, not his travel or medical

My answer is the correct one about driving, I agree with you about medical or travel insurance, which are different, however

Grandma

Thanks for all your thoughts and advice. I am not driving until Doc gives the go ahead and hopefully I will get a discharge note I can phtocopy and send. I think I will come clean and tell them as I could not afford to cover any costs of null and void Insurance and other maybe claiments as the result of the rest of my Innards falling out! I realise I may have to pay extra premium or excess but that I can Handle. I will ring the CC on Monday and post result here.

Thanks for all your postings
Grandma (who's a SHE!)

Invicta

Very sensible Grandma!

In response to thieawin, my response was to Grandma's motor insurance though it would equally apply to any medical and travel insurance she may have.