Car insurance

Car insurance can protect you from losing money if your car is damaged or stolen. It can also protect you from losing money if you cause any damage to another person or their property while driving.

If you have a driving license, you should be offered car insurance. If you have cancer, it may be more difficult for you to drive. This may affect your car insurance.

Your doctor may tell you that you cannot drive. This might be because of cancer and the side effects of treatment. If this happens, you or your doctor should inform the DVA or the DVLA.

You may need to adapt your vehicle. You need to tell your insurer straight away if you need to make any adaptations to your vehicle. This is because any adaptations to your car could make it more expensive for the insurance company to repair your car.

What is car insurance?

Car insurance protects you from losing money if your car:

  • is stolen or vandalised
  • catches on fire
  • is involved in an accident.

It can also protect you from losing money if you cause any damage to another person or their property while driving.

If you have been issued with a driving licence, you should normally be offered car insurance without any special conditions.

Driving licences are issued by two different organisations in the UK:

However, if you have cancer, it may be more difficult or risky for you to drive. Your car insurance may be affected.


How cancer can affect buying car insurance

Your doctor might tell you that you cannot drive. This could be because of medical problems caused by cancer or the side effects of cancer or its treatment.

It is very important to follow the advice provided by your doctor. For example, your doctor might say you cannot drive for a certain period of time. They might also say that you cannot drive until you have a doctor’s approval.

If this happens, you or your doctor should inform the DVLA or DVA. It is up to them to decide whether it is still safe for you to drive.

If cancer might affect your driving, the DVLA or DVA may change your driving licence so that you can only drive certain vehicles.

You can be fined up to £1,000 if you do not tell the DVLA or DVA about any health conditions that affect your driving.

The DVLA

The DVLA says that you only need to tell them you have cancer if:

  • you have, or develop, any problems with your brain or nervous system
  • your doctor is concerned about your ability to drive safely
  • you are restricted to driving certain types of vehicles, or vehicles that have been adapted for you
  • your medication causes side effects that are likely to affect your ability to drive safely.

Call 0300 790 6806 if you need to tell the DVLA about a health condition. You can also contact them by email or post. Visit gov.uk/contact-the-dvla to find the right address.

Visit gov.uk/cancer-and-driving to find out more information.

The DVA

The DVA says that you need to tell them if you have a disability or medical condition that affects your ability to drive.

You can see a list of these conditions on their website.

You can tell the DVA about a medical condition by calling 0300 200 7861 or emailing dva@infrastructure-ni.gov.uk.

It is also important to let your car insurer know if anything has changed. For example, this may be if you are unable to drive for a period time, or if you need an adapted vehicle. If you do not tell them, you might not be able to make a claim on your car insurance later.

For guidance about finding the right car insurance for you, or for advice about contacting the DVLA or DVA, contact our financial guides on 0808 808 00 00.


Adapting your car

You may need to adapt your vehicle to meet your specific needs. Make sure to tell your insurer straight away if you make any adaptations to your car. If you do not, you may not be covered if you need to make a claim. Adaptations to your car could make it more expensive for the insurance company to repair your car. If this is the case, the cost of your car insurance may increase.

For information about adapted vehicles, motorised scooters and powered wheelchairs, contact Driving Mobility by calling 0800 559 3636, or visit drivingmobility.org.uk

Back to Insurance

Cancer and buying insurance

Insurance protects your finances against unexpected events. Cancer can sometimes affect buying insurance.

Health insurance

Cancer may affect your decisions about buying or claiming on health insurance.

Life insurance

Life insurance policies pay out money when you die. Having cancer may affect the life insurance you can get.

Protection insurance

Protection insurance can pay out money if you become too ill to work or are diagnosed with a serious illness such as cancer.