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Diabetic taxi driver, should I declare?

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  • 12-06-2020 10:14pm
    #1
    paloaders
    Registered Users Posts: 10 ✭


    Hi folks,

    Hoping someone can help me out. I drive a cab and I have diabetes. Do I need to declare this to the insurance company?

    Thanks,
    Pal.
    Tagged:


Comments

  • Options
    #2
    banie01
    Registered Users Posts: 16,480 ✭✭✭✭banie01


    Yes, it's a legal requirement and if you are taking insulin or a Sulfonylurea you also are required to inform the NDLS.

    Surely your care team have discussed this with you?

    If you are type 1 or insulin dependent you also have further restrictions/requirements for the PSV license.


  • Options
    #3
    zg3409
    Registered Users Posts: 6,568 ✭✭✭zg3409


    Your insurance is null and void if insurance find out. So you are driving with no insurance at present.


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    #4
    Eggs For Dinner
    Registered Users Posts: 2,940 ✭✭✭Eggs For Dinner


    zg3409 wrote: »
    Your insurance is null and void if insurance find out. So you are driving with no insurance at present.

    It's not void, it's "voidable" by the insurer if there has been a misrepresentation


  • Options
    #5
    orla.mccormack
    Registered Users Posts: 44 ✭orla.mccormack


    You shouldn't see an increase on your insurance as a result of disclosing that information



  • Options
    #6
    Dempo1
    Registered Users Posts: 26,924 ✭✭✭✭Dempo1


    No Judgement OP, but yes you are required to disclose this

    Is maith an scáthán súil charad.




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    #7
    Del2005
    Registered Users Posts: 18,874 ✭✭✭✭Del2005


    https://www.boards.ie/discussion/comment/113765859#Comment_113765859

    Splitting hairs. The money they paid for insurance is wasted if they don't inform their insurance company. Their policy will be voided and they will be liable for any money paid out if they are involved in an RTC, insurance companies have started taking people to court.



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    #8
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,621 Mod ✭✭✭✭Henry Ford III


    https://www.boards.ie/discussion/comment/118542531#Comment_118542531

    3rd party claims will still be paid, so it's not splitting hairs.



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    #9
    Del2005
    Registered Users Posts: 18,874 ✭✭✭✭Del2005


    https://www.boards.ie/discussion/comment/118570405#Comment_118570405

    The purpose of insurance is so that the person who has it doesn't have any liability when the are involved in an incident. If the insurance company pay out for 3rd parties and then have a judgement made against you for the sum they paid out then your insurance was no good. The policy being void or voidable makes no difference to the person at the end of the day if you have to pay out in the end, so splitting hairs.



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    #10
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,621 Mod ✭✭✭✭Henry Ford III


    https://www.boards.ie/discussion/comment/118572746#Comment_118572746

    Insurance aims to reduce financial uncertainty and makes accidental losses manageable.

    Not all 3rd party claims paid in the above circumstances are recoverable.



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