We all have had, at some time, mechanical issues with our cars which really get us down, especially niggling little things that seem to annoy. But what if the “problem” is you?
I have very recently been diagnosed with heart disease and would like to share my experience (so far) with you all, so that if the unfortunate happens to moi then this may be of help and reassurance (I hope as well!). I have just got home from a Coronary Artery By-Pass Graft (CABG) in St Thomas’ Hospital, London. My operation is more commonly known as a Triple By-Pass of the coronary arteries. The day after I bought my Lexus (no kidding) I was diagnosed! One of my concerns was how it would affect my ability to drive and whether I would be allowed to drive by the DVLA. So how will this impact on my driving? The short answer is that it depends!
Please do not hold what I say as definite but check to make sure. I would be pleased to hear of anyone who has a view to the contrary.
Heart Conditions
1) You must inform your insurance company if a medical practitioner says you must. It is also, I believe, safer to inform them anyway. If you do not inform them of any changes then in the event of an accident your policy could be void.
2) For quite a few heart conditions YOU DO NOT need to inform the DVLA
This came as quite a surprise to me as this included by-pass surgery!
Please see DVLA information sheet INF188/4 entitled “Car or motorcycle drivers with heart conditions: When you need to tell us about your condition” found on their website. This clearly states when you are able to drive with heart problems.
My experience:-
I was allowed to drive before my operation provided I met the conditions (see INF 188/4) of controlling the symptoms.
After the operation I am not allowed to drive for at least 6 weeks and until my consultant says I am fit to drive after my check-up (6 weeks approx.)
I informed both of my insurance companies. The “Post Office Car Insurance” said that was not an issue and when your surgeon gives you the go ahead to drive you may do so. No mention of an extra premium.
Sure Thing! Insurance asked the same questions,
“Do you need to inform the DVLA of your condition?” said the representative.
“No but I have been told not to drive for 6 weeks after my operation.” I said.
“May I ask what you operation was for?” said the representative.
“Coronary Artery By-Pass Graft (CABG), I said.
“Just wait a minute, sir,” came the reply.
He was very surprised this condition was not notifiable. He checked with the underwriters of the insurance and they have taken me off the insurance until I am able to send them a letter from the surgeon stating that I am fit to drive.
It is interesting to note how different insurance companies handle what is regarded as, a serious, yet medically routine operation. I will let you know how I get on after the check-up!
So my poor Lexus must sit in the garage for 7 weeks …… unless my wife would like to take me out!
Has anyone else had any experience with the DVLA / Insurance companies regarding medical issues?