TIA and car insurance

Posted , 3 users are following.

Had a TIA 10 days ago. Been told not to drive for i month and providing no more TIA's will be able t re-start driving.

How do the car insurance companies react to you have this one off?

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4 Replies

  • Posted

    Hi Malcolm,

    I have had TIA's and was also told not to drive for a month on each occasion , Where I am it is a requirement for the doctors to notify our department of transport where you are flagged and if you are driving and if you are pulled over for a licence check you could be in trouble and more than likely incur a fine, In the case of an accident your what we call down here MAIB ( Motor Accident Insurance Board ) will not pay out for any medical or legal costs and public liabilities, and that goes for your private insurance cover , they will not pay out for any repairs or replacement of your vehicle or other parties repairs/replacements also you risk going bankrupt if you cause personal injury to other parties, they will not pay out any public liabilities.

    After my Tia's I never felt like driving for a week anyrate.

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  • Posted

    Thanks for reply but need a UK answer My GP does not know who Iam insured with and have no intention of telling him.

    Agree ist 7-10 days did not feel like driving. Will wait the month and if no relapse will just tell the GP Iam ok.

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  • Posted

    Hi Malcolm,

    lol...I never tell my GP anything in regards to my licence because I know him all to well, if he had his way he'd of had my licence suspended for the month and then would of made me do a medical to get it back, I know it's his duty of care to do that it's just that it's a real pain in the bum for me having to go through it.

    Now our hospitals specialists are more trusting and will only notify our department of transport that we are not to drive for a period of 1 month. Personally I don't think they actually do contact the relevant authorities , I think it's just a scare tactic to stop you driving ( I honestly don't know ) but I never risked it because if I was in an accident in that time I would of been financially ruined because our motor registrations also have insurance coverage I don't know if it's the same in the UK ....here it's called MAIB it takes care of the other perons medical and legal costs as well as loss of wages if working, etc etc and vice verca ,

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  • Posted

    MAIB is an additional fee to our car registration ( public liability ) insurance cover.
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