Having Diabetes And Car Insurance
You should inform your car insurance company that you have diabetes Having diabetes can mean that your insurance premiums are higher, but shop around and you could help to offset the extras charged by the insurance companies. Diabetes in itself cannot have a bearing on your car insurance policy, however, if your treatment, such as insulin , requires you to have a restricted licence , then it can affect your premium. Do I need to tell my insurance company that Im diabetic? Anyone with diabetes should inform their insurance company that they have diabetes and of any change in either your condition or treatment . Which is the best and cheapest insurance company for diabetic drivers? Insurance companies tweak their premium calculating models all the time so its best to get a number of quotes. A good way to ensure your insurance premiums are kept to a minimum is to shop around for the best quote. Shopping around for diabetic car insurance A great way to shop around is to use car insurance comparison sites like MoneySupermarket and GoCompare which will automatically retrieve quotes from dozens of insurance companies. This can save hours of time and will give you a great idea of how much your quote could vary. Bear in mind that two of the biggest car insurance companies, Aviva and Direct Line will not come up amongst the comparison websites so its worth applying for a quote from these two companies separately. The terms of insurance company can be expected to vary from company to company so read through the terms before you purchase the insurance policy. Insurance companies will often give you up to a month to accept a quote, just make sure you note down the quote reference number. Another point to note is how much excess the insurance companies are offering. If youre not sur Continue reading >>
Does Diabetes Affect Car Insurance?
The symptoms people can suffer from diabetes vary Insurance companies will look at driving history to determine premiums Doctors might submit medical details to the DMV Having diabetes can be a serious medical condition. Its important to know how being diabetic will affect you on the road as well as what you pay in auto insurance premiums. If you are a diabetic in need of better auto insurance, compare at least three to four policies today to find the best rates for you! Enter your ZIP code above to get started! Everyone who has diabetes deals with it differently. You could have type one or type two diabetes , and in some cases, you may even be insulin-dependent. You will need to take a close look at your medical history in order to determine how being diabetic will affect you on the road. Some symptoms you might experience with diabetes include: All of these are going to impact how you drive as well as the risk you pose to insurance companies. The higher the risk, the more your premiums are likely to cost. How Insurance Companies Determine Insurance Premiums Insurance companies use complicated algorithms to determine the cost of insurance premiums. Everything about you and your driving history will be taken into consideration, including: Your doctor might decide to submit a letter to the DMV regarding your medical health, which may include various medical limitations as well as issues that you may have encountered. If your blood sugar is not under control, it could lead to going into sugar comas as well as various states of confusion. Doctors and physicians are under a legal and ethical requirement to report issues. This requirement is designed for your safety as well as for the safety of everyone on the roads. Compare Quotes From Top Companies and Save Once the DMV r Continue reading >>
The Best Life Insurance Companies For Diabetics
The best life insurance companies for diabetics Affordable life insurance should be available for everyone, right? After all, many people could use the financial safety net that it provides. But for people with chronic illnesses , its easy to think that life insurance is out of reach. They may believe that their medical conditions will make life insurance prohibitively expensive. The good news is that this often isnt the case - including for people who are managing diabetes. There are plenty of opportunities for affordable life insurance for diabetics if you know where to look and know what life insurance carriers are looking for. How can you get the best life insurance rates as a diabetic, and what are the best life insurance companies for diabetes? Lets take a look. The best life insurance companies for people with diabetes Not every life insurance company handles diabetic applicants the same way. Depending on the severity and treatment, some may be more lenient than others. The best life insurance companies for diabetics You may be wondering how diabetes affects your life insurance rates at all, and it comes down to one word: risk. When you apply for life insurance, youll go through the underwriting process. This includes a look at your familys health history , diving into your hobbies and driving record , requesting records from your doctor , and a medical exam , where your current health is analyzed. All of this is to see the likelihood of you passing away over the term of your life insurance policy. Youre classified by this risk , and your premium rates are set according to your classification: the best class, Preferred Plus, gets you the lowest premiums, while Standard or below raises your rates. More likely to die over the next 30 years? Your rates will be high Continue reading >>
Car Insurance In The Uk?
i was wondering if anyone could recommend an insurance company that is good for diabetics in the UK. I'm thinking of changing my car, and insurance company so here would be a good place to ask. a1c: May 13 - 5.2% (33) | Nov 12 - 5.2% (33) | Mar 12 - 5.2% (33) | Nov 11 - 5.3% (35) | Aug 11 - 5.2% (33) | Nov 10 - 5.6% (38) | May 10 - 5.3% (34) | Jan 10 - 5.4% (36) | Nov 09 - 5.8% (40) You can eat whatever you want, just don't eat it everyday! D.D. Family T2 April 2007, Diet & Exercise I use confused.com, though I am unusual in driving a 24 year old Porsche, they found one for 120 on classic car insurance The insurance cos are not allowed to discriminate against people with diabetes. Just find the best quote and THEN tell them that you have diabetes. Dave, I found the cheapest thing to do was go to a local broker for insurance. I found them a lot cheaper than on line. As Rachel says they are not allowed to discriminate between diabetics and none diabetics. But do tell them you are diabetic, this way they have no get out claus saying you didn't tell them of a pre existing condition if you are unlucky enough to have a bang. D.D. Family IDDM. Pumping since 12/2007. MM722 CGM Get lots of insurance, as I may come to the Uk some day and claim you've hit me. Ah, litigious Americans! The insurance cos are not allowed to discriminate against people with diabetes. Just find the best quote and THEN tell them that you have diabetes. both my car insurance and motorbike insurance goes up as soon as i tell them i have diabetes.. gits!!!! looks like NU are in for some stick later today!!! Hypo's are great??? when else do you binge on cola and sweets!! Yes I have found that to get the quote then say do you need to know I am diabetic. even though we have both had about the same number of p Continue reading >>
What Is The Best Life Insurance Policy For A Diabetic?
Best Life Insurance Options For Diabetics When it comes to pricinga life insurance policy, most people understand that the insurance company will determine the persons premium rate based on the risk the company feels it is taking to provide the policy. A person that is diagnosed with diabetes may be frightened of what their life insurance premiums will be because they understand that having this disease puts them in a higher risk category . Unchecked, diabetes can lead to weight gain, heart disease, amputation, circulatory issues, and a litany of health problems. There is some good news though for diabetics. Life insurance companies actually look at several different things when they are considering a policy for someone with diabetes. There are a few things that you can do as a diabetic to make sure that you get a cheaper life insurance policy after your diagnosis. Diabetes is a disease that can quickly spiral out of control after a person receives a diagnosis. Once diagnosed with the disease it is important to take immediate, effective, and often drastic measures in order to control your blood sugar levels and to keep yourself healthy. The first thing a life insurance company will look for is the extent that the disease has been controlled. Are you following a prescribed diet, do you take insulin regularly, are you on any other prescription medications and are you taking them as prescribed? These are all very important factors that an insurer uses to decide if you are going to be a high risk client. If you fail to take these steps higher life insurance premiums are not your only problem, there are also many complications to your health that may arise. These include heart problems , blindness, kidney disease, and even loss of limbs. If you experience complications from Continue reading >>
Car Insurance And Diabetes | Diabetic Connect
So, I'm about to add my first child to my car insurance. He happens to have diabetes. (I think I know the answer to this question, but I've been enjoying my state of denial :-). Do people with diabetes have to pay more for car insurance too? I have never paid more for being diabetic. My husband and I both are diabetic.I guess if the Insurance companies decide to ask about health problems then we could pay more.I read that Ala. state employees will have to pay more for health ins. if they are obese.So I guess anything is possible. Just another way to tax people!! Lordy when and where will it end?? My daughter is diabetic and when we renewed her insurance they diidn't ask any health questions. But when I was found to have all these other conditions the Doctor notified motor vech. and I was You have to tell the DMV about his diabetes because if you don't and he gets in an accident insurance doesn't have to pay out. As far as the insurance goes you don't have to tell them about the diabetes nor are you required to. So insuring his should be just as costly as any other 16 year old. 23 years with T1. 13 with car insurance. Nothing in my application or paperwork has anything to do with my health. I have a great agent and she knows I am Diabetic. I have a good record and review my 6 month update each time, all about the car. ;-) Continue reading >>
Affordable Travel Insurance For Diabetics | The Telegraph
If you have diabetes, finding inexpensive travel insurance isnt always easy. Since 1996, the number of people diagnosed with diabetes in the UK has risen from 1.4 million to 3.5 million, according to the website diabetes.co.uk. The vast majority of these cases are Type 2 diabetes, with around 400,000 people affected by Type 1 diabetes. Both types of diabetes are characterised by higher than usual blood sugar levels, but Type 1 is an auto-immune disease, whereas Type 2 is characterised by the body becoming insulin resistant. 7 million people in the UK have prediabetes A spokesman for holiday insurance comparison service Payingtoomuch.com, which specialises in cover for people with pre-existing medical conditions, and cover for those aged 70 or over, said: Its estimated that as many as 7 million people in the UK unknowingly have prediabetes, which can lead to Type 2 diabetes. Most people associate diabetes with obesity and poor diet, but age can also be a factor. A simple blood test can help catch it early, and progression to full Type 2 diabetes can be avoided through regular exercise and diet management. Many travel insurers charge higher premiums if you have diabetes, or any other kind of medical condition, as they consider you higher risk. People with diabetes often have associated health conditions such as high blood pressure and hypertension, which can further bump up travel insurance costs. Find cheaper travel insurance for diabetics and high blood pressure sufferers Travel insurance for diabetics doesnt have to cost substantially more than policies for travellers without a medical condition, but it pays to shop around for cover to make sure you find the best possible deal. Telegraph Travel Insurance, for example, carefully partnered with Payingtoomuch which compa Continue reading >>
Car Insurance For Diabetics
You are here: Home / Car Insurance Information / Car Insurance for Diabetics Low blood sugar levels can leave drivers groggy, confused, and slow to react Insurance companies typically do not raise rates for diabetes, but they will increase premiums for accidents relating to diabetes Doctors have a duty to report serious medical conditions that can make a person an unsafe driver Insurance companies do not typically ask about medical conditions when setting premium levels. This private information will typically remain between you and your doctor, so it should not have a bearing on the amount of your insurance plan. However, there are times when your diabetes can become a concern and lead to higher rates. Heres what you should know about diabetes, your ability to be a safe driver, and your insurance. If you are also looking for better auto insurance rates, start comparison shopping by entering your ZIP code above! Research shows that drivers with diabetes are at greater risk for accidents. Studies reveal that theyre 12 to 19 percent more likely to be involved in a crash, and roughly 60 percent of diabetics dont test their sugar levels before getting behind the wheel. People can often recognize the serious symptoms of their sugar dropping and pull over, but its harder to catch the mild symptoms like blurry vision or just feeling irritable. Among diabetics who struggle with hypoglycemia, the risk of being involved in a car accident increases by about 40 percent. Driving with low blood sugar is comparable to driving while under the influence of alcohol . Many diabetics say that theyve never been warned of the ways that being a diabetic can impair their driving. Most states rely on drivers to honestly answer questions regarding medical conditions that can cause problems behi Continue reading >>
Car Insurance For Diabetics
You are here: Car Insurance Car Insurance Guide Car Insurance for Diabetics As long as it is well managed, people with diabetes are allowed to own a drivers license or a learner permit The licensing authority in your state should be informed of your condition. Also, inform your motor vehicle insurer The main issue with diabetic drivers is the possibility of developing hypoglycemia [low blood glucose] while on the wheel Diabetes complications such as eye problems also pose a lot of concern as it affects the ability to drive safely The Disability Discrimination Act does not allow one to be denied car insurance based purely on his/her diabetes status Most insurers no longer penalize individuals with diabetes by charging them higher premium rates. However, if for instance, insulin as treatment obliges you to own a restricted license , then this can affect your premium. If you feel that your current insurer is charging you more than necessary, then you could shop around and get one that will charge you fairly. There are plenty of insurance companies to choose from, and they can even allow you to shift with your no-claims bonus. When applying for auto insurance, it is a must to declare all material facts; diabetes being one of them. The main risk of a diabetic driver is the probability of him/her developing a hypoglycemic episode that could impair their judgment and cause an accident. Even though this is unusual, it can and does happen. If you have diabetesand are in search of better auto insurance rates, start comparison shopping today by entering your ZIP code above! Driving is a crucial part of peoples daily lives. The ability to drive offers personal freedom and lets you get to schools, job, and stores. Most individuals with diabetes can drive motor vehicles safely. Howe Continue reading >>
No we have not but will do. Thank you for the advice. excuse all lowercase typing, a disability issue, not laziness etc!to paul:paul, all enquiries for insurance in ireland are registered with the insurance bureau , whether motor or life, ilness accident etc.the story you tell is appaling, i'm disgusted to hear what your wife had to endure such abusiveness, and yourself having to hear of it. it was nothing more than the rantings of an ill educated bigot, period! the law prohibits this kind of discriminatory behaviour and the penalties are real, the company your wife contacted are legally responsible for the actions of it's employees or agents. please, contact the diabetes association and register, not very expensive, and they will support you in making a formal complaint to the insurance ombudsman and anti- discrimination board. also, i personally believe in a "name and shame" policy for companies such as this, if they are named then we, fellow diabetics can write or email the company and register our support for those who receive such disgusting treatment.please consider my suggestions paul, for all our sakes?to other posters above, many talk of having informed their car insurance companies and i applaud you, even though it is the law! few (not all) have not talked about informing the licencing authority for their area. obviously, i'm refering to local irish posters here, but i know the same applies elsewhere so don't jump on me if your not resident in ireland and holding an irish licence. i had only obtained a 10 year licence a few months when i was diagnosed with type 2, however, i still had to inform the licencing authority who requested i return my licence and fill out new forms and have a cert from my doctor. they returned my licence, still for the ten years but Continue reading >>
Driver License & Car Insurance Information For Diabetes
Driving has become an essential part of life in the United States as it allows individuals to go to work or school, and run many daily necessary errands. However, almost all states legally require that drivers have car insurance. If you are wondering about how diabetes may affect your eligibility of obtaining a driving license and impact on your car insurance policy rates, this article will answer these questions: Driver License Eligibility for Individuals with Diabetes In the United States, each state has its own special licensing rules regarding medical conditions concerning diabetes. Some states implement these rules to all drivers with diabetes while others only apply them to diabetes individuals who take various medications such as insulin or exhibit symptoms such as: vision problems (such as retinopathy) loss of consciousness seizures low blood sugar (hypoglycemia) foot problems (such as neuropathy) As a quick reference, here is a compilation list of the application process for each state in alphabetical order. For further detailed information, it is highly recommended that you should contact your local Department of Motor Vehicle (DMV) for the most update application process for diabetes patients. Please use this map to skip directly to your state. Click on the state that you wish to learn more about. First-time applicants will be asked two medical condition related questions on their applications. The first question is whether the applicants have any medical condition that affects their ability to drive safely. Diabetes is included in a list of these conditions. The second question is whether the applicants are being treated for the listed conditions. As a diabetic individual, you will be required to have a medical examination to proof that you have to ability t Continue reading >>
Erm Financial Services Diabetes Insurance Ireland - Erm Financial Services
Having diabetes is not an issue for driving but the fact that you are using medication that leaves you at risk of hypoglycaemia means you must take extra precautions and you must inform the National Driver Licence Service. Hypoglycaemia (also known as a hypo) is the medical term for a low blood glucose (sugar) level. Severe hypoglycaemia means that the assistance of another person is required. The risk of hypoglycaemia is the main danger to safe driving and this risk increases the longer you are on insulin treatment. This may endanger your own life as well as that of other road users. Accidents caused by hypoglycaemia are because drivers carry on driving even though they get warning symptoms of hypoglycaemia occurring. If you get warning symptoms of hypoglycaemia whilst driving, you must always stop as soon as safely possible do not ignore the warning symptoms. Probably the greatest impact of diabetes on dental health is that it can leave people more prone to gum disease. Gum disease is caused by oral bacteria. Poor glycaemic control as a complication of diabetes can make gum disease worse because it changes the immune response to these bacteria. This is especially so if someone has exposure to high glucose levels before diagnosis or starting treatment for their diabetes. Gum disease may just affect your teeth and gums, but can also be more widespread affecting your overall general health and glycaemic control. In its earliest form (gingivitis), it causes the gums to be inflamed so that they bleed on brushing and flossing. In its more progressive and advanced form (periodontitis), it causes bone and tooth loss by destroying the tissues that support and hold your teeth in place. Gum disease may also be associated with an increased risk of other diabetes complications su Continue reading >>
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Type 2 And The Dvla
Author Topic: Type 2 and the DVLA (Read 6233 times) 0 Members and 1 Guest are viewing this topic. A a freshly diagnosed type 2 diabetic, do I need to inform the DVLA and my insurance company of my current situation? The consultant thinks that I may be able to reverse it all if I lose some weight, but hopefully in the next 3 months. The blood test (a mix of letters and a number, but can't remember is specifically) is only being carried out in two weeks. I'm registering as diabetic on Friday (28th dec). I'm a newly diagnosed Type 2 diabetic looking for the best ways to live and beat this horrible illness. I'm the son of an insulin dependant T2 who lost his sight when I was 4 years of age and I don't want to go down that line too. Reply #2 on: 26 December 2012, 10:26:26 PM Thank you ever so much for taking the time to reply. My comments come from the consultant who saw me following admission via A&E. Her words were that if I lost some weight then it could be reversed. :-/ As for registering, once again her words were getting registered and my GP (who sadly didn't know much) said the Diabetes nurse at our practice would sort it all out on Friday. Apparently, I need to fill out a form for the NHS. One is extremely confused by it all. However my relief has been to have this forum recommended. I'm a newly diagnosed Type 2 diabetic looking for the best ways to live and beat this horrible illness. I'm the son of an insulin dependant T2 who lost his sight when I was 4 years of age and I don't want to go down that line too. My comments come from the consultant who saw me following admission via A&E. Her words were that if I lost some weight then it could be reversed. :-/ It IS very confusing and sometimes the people we think of as consultants actually aren't, but please tell us, Continue reading >>
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Life Insurance For Diabetics
Read the Spanish version: Adquirir un seguro de vida si sufres de diabetes An estimated 29 million Americans have diabetes, up from 26 million in 2010. One in four people with diabetes don't know they have it, according to the latest figures from the Centers for Disease Control and Prevention (CDC). A whopping 86 million Americans -- more than one in three U.S. adults -- have "pre-diabetes," which increases the risk of developing Type 2 diabetes. The American Diabetes Association notes that diabetes is the seventh leading cause of death in the U.S. Diabetes is also a major cause of heart disease and strokes. While diabetes can cause serious health problems, you can reduce difficulties when applying for life insurance . The key to buying affordable life insurance if you have diabetes is control. If you are controlling your diabetes by visiting your doctor regularly, taking your medications and responding well to your treatments, you may still be able to get a good rate on life insurance. (Find out how much insurance you need by using our life insurance calculator ). Insurers look primarily at your blood-sugar levels and your hemoglobin A1C count to determine how well you are responding to your treatment over time. According to Genworth Life Insurance and Annuities, A1C levels are normal for nondiabetics when they are under 6. If A1C levels are between 6 and 7, this generally means a diabetic has good control of his condition and may be offered a policy with standard rates. But if A1C levels peak into the double digits, this shows that the diabetic has poor control of his condition and will likely be offered a more expensive policy. If an insurer finds that the person applying for a life insurance policy has A1C levels that are more than 12, it will likely postpone offer Continue reading >>
Diabetes, Driving And Car Insurance: Here's What You Need To Know.
Driving and getting car insurance with diabetes Diabetic? Learn more about how you can drive and get car insurance. More than a million Australians have diabetes and its on the rise. In light of how common it is, recent changes to driving regulations have been made to make sure Australians with diabetes arent facing unfair hurdles for driving and getting car insurance. The two main concerns with diabetes are the chances of a severe hypoglycaemic event while driving and the impact it can have on other body parts like the eyes or limbs. For this reason, there are special conditions in place for driving with diabetes. If you dont meet them, you are not legally able to drive and your car insurance probably wont cover you in the event of an accident. Note: While care has been taken to ensure the accuracy of the information in this guide, it is not intended to be a substitute for advice from your medical practitioner or state licensing authority. There are four main things to do before you can legally drive with diabetes: You must get assessed for chances of a severe hypoglycaemic event. You must meet the licensing requirements for driving with diabetes. You must have any diabetes comorbidities assessed. You must take special precautions before driving. Getting assessed for chances of a severe hypoglycaemic event You should not drive following a severe hypoglycaemic event until an endocrinologist or a consultant physician specialising in diabetes has cleared you to drive. A severe episode is one that you are unable to treat yourself and where you require outside assistance. You generally wont be able to drive for at least six weeks following a severe hypoglycaemic episode, but it may be longer depending on your license type, the reason for the episode and the specialists opi Continue reading >>