car insurance
Posted , 9 users are following.
Hi everyone,
I would like to know if anybody has been charged a higher premium since telling your insurers of your hip replacement? I have a full no claims discount , a clean licence, and a california state drivers licence,and I have been driving for 46 years!! and I have heard of peoples premiums doubling after they say about their THR,
thanks for any advice,
lynne.
1 like, 15 replies
Jodi-France lynne09047
Posted
lynne09047 Jodi-France
Posted
michael01964 lynne09047
Posted
Jodi-France lynne09047
Posted
renee01952 lynne09047
Posted
I don't know - that would mean that anybody who had surgery has to pay double premium ...
Better to ask - do you have to put it on your record though?
Let us know okay - interested in the outcome
warm hug
renee
laura85375 lynne09047
Posted
thats curious, it would never occur to me to tell my insurers. I'm not trying to be devious just that I don't understand why I would tell them if I've had an operation that's made me better than I was before and my consultant has given me the all clear?
Is it required to give them all your medical history and did you have to tell them when you were impaired before your op?
I'll ask my cousin in California. He's diabetic so guess the same might apply.
laura
mic71403 laura85375
Posted
Greetings.....well it never occurred to me to ask them/ tell insurers either - my physio said leave driving for 6 weeks: I ddi for six weeks and one hour!
A similar discussion her prompted my to phone my UK insurers, and they were soooo uninterested it almost wasn't real.
Maybe safe than sorry - but that was my response.
Have a lovely day, despite the clouds and probable rain!
Mic
x
laura85375 mic71403
Posted
I am reassured 😀
laura85375 mic71403
Posted
Thats reassuring 😀
Skies are blue here in the Midlands. I'd best get my walk in before the next set of clouds.
Laura
lynne09047
Posted
well I thank you all for your replies, I haven't told them yet, but according to most websites you are supposed to inform your insurers because any change in your circumstances since the policy was written that are not declared can make it void, however in CA, as long as your eyesights good, and you can merge on a freeway it all seems good, as many cars there are uto, I have 2 bionic hips, and I take mic's point , I'm better now than I was 10 months ago, so I'll give it some more thought, maybe have a word with my cousin who's a magistrate , hope you are all enjoyng the sunshine,
Love
Lynne xx
mic71403 lynne09047
Posted
Envy you your sunshine!
So, good luck in your decision making - it seems sensible to try a quick phone call given some comments on here, but really they couldnt have been bothered if I had driven the day after the operation !
No doubt others will tell a different story.....
Are you going to swim in the sea later today?!
Mic
x
lynne09047 mic71403
Posted
Love ,
Lynne x
mic71403 lynne09047
Posted
i thought the water would be warm by now, but hey, the cruise sounds super!
mic
xx
lynne09047 mic71403
Posted
x
kathee58019 lynne09047
Posted
Not really sure what the purpose of telling your auto insurance about your hip replacement would be. I live in NC and that never even entered my mind. I started driving three weeks post surgery. Once the swelling went down and I could put my shoe on again. I do however have an automatic and my surgery was on my left side.