Motor insurance

At present, if the Driver and Vehicle Licensing Agency  issue you with a driving license then you should be able to get motor insurance. However, there is evidence that people with some forms of mental illness are more prone to road traffic accidents. Depending on the circumstances, and the policy you may have to pay a higher premium.

If you do not disclose an illness, including mental illness, when you take out insurance and you have an accident, even if the accident is not your fault or was not due to your illness, you may not be paid. This is because most policies are void if you fail to disclose any form of illness. It is worth checking with the insurance company what their policy is on mental illness with regards to premiums, as not all companies even take this into account and your premium will not be affected. Again, it is crucial to check with your company what their policy is on this – some companies do not ask you to disclose your diagnosis but others do and it is crucial that you do the right thing.

Companies that do not ask you to state your diagnosis and who would not take this into consideration when calculating your premium include:

Direct Line 
Tel: 0845 246 3761
For a quote: 0845 246 8701 

Churchill insurance 
E-mail:car.customer.service@churchill.com
Tel: 0845 603 3551
For a quote: 0800 200 326

For more general information on driving and mental illness, see the section on Driving.