Insurance after stents fitted?

[MuddyPuddle]

Hi there
I've recently had 2 coronary stents fitted after experiencing some heart pains.
Red Pennant are prepared to insure me for touring France in our MH as they have for many years BUT will exclude Heart attack from cover.
Has anyone else experienced this? And if so what solution did you find to give full medical cover?
Thanks in advance for your responses

 

[Jev88]

I think there is a window of time they won't cover - 2 years? And then may reinstate it.

 

[philann]

We have travel insurance through our bank, Barclays. I had a heart attack and stents fitted nearly 10 years ago. There has never been any additional charges or restrictions, just have to tell them any medical issues and they issue a certificate to confirm you are covered for those issues. We pay £18 per month which includes worldwide health, Full RAC European breakdown cover and business lounge access at airports.
Only extras we pay for are extending a trip beyond 31 days which is usually around £80, you do have to have a return booked in advance though!

 

[EuroTrotters]

Just about to start informing my insurance companies

 

[Jimbohorlicks]

Just about to start informing my insurance companies

Your van and car insurance companies shouldn't change anything as long as you are declared fit to drive by your doc.

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[tonka]

Just about to start informing my insurance companies

After my by-pass the doctors said to inform insurance company, however both car and motorhome insurers said there was no need.
They made a note but it didnt affect anything.

 

[EuroTrotters]

Hi there
I've recently had 2 coronary stents fitted after experiencing some heart pains.
Red Pennant are prepared to insure me for touring France in our MH as they have for many years BUT will exclude Heart attack from cover.
Has anyone else experienced this? And if so what solution did you find to give full medical cover?
Thanks in advance for your responses

I think there is a window of time they won't cover - 2 years? And then may reinstate it.

We have travel insurance through our bank, Barclays. I had a heart attack and stents fitted nearly 10 years ago. There has never been any additional charges or restrictions, just have to tell them any medical issues and they issue a certificate to confirm you are covered for those issues. We pay £18 per month which includes worldwide health, Full RAC European breakdown cover and business lounge access at airports.
Only extras we pay for are extending a trip beyond 31 days which is usually around £80, you do have to have a return booked in advance though!

Just about to start informing my insurance companies

Your van and car insurance companies shouldn't change anything as long as you are declared fit to drive by your doc.

After my by-pass the doctors said to inform insurance company, however both car and motorhome insurers said there was no need.
They made a note but it didnt affect anything.

As far as I see it. I was a ticking time bomb.

That and in 5 weeks from now, I should be less of a liability than when I drove myself to the hospital 3 weeks earlier!.

 

[Pausim]

If you have a C1 license you have to submit a VOCH1 form to the DVLA after having a stent and there are conditions about restarting driving HGV. Not needed for ordinary car license.

Heart attacks, angioplasty, and driving

You may need to send DVLA a form if you've had a heart attack (myocardial infarction) or heart, cardiac or coronary angioplasty.

www.gov.uk

 

[tonka]

If you have a C1 license you have to submit a VOCH1 form to the DVLA after having a stent and there are conditions about restarting driving HGV. Not needed for ordinary car license.

Heart attacks, angioplasty, and driving

You may need to send DVLA a form if you've had a heart attack (myocardial infarction) or heart, cardiac or coronary angioplasty.

www.gov.uk

I dont think that is correct C1 was issued as part of a standard car license pre 1997.
Maybe if you took a seperate C1 test you might have to. Us oldies should be ok.
Groups C and CE being the seperate HGV test and license would need notification..

 

[Pausim]

I dont think that is correct C1 was issued as part of a standard car license pre 1997.
Maybe if you took a seperate C1 test you might have to. Us oldies should be ok.
Groups C and CE being the seperate HGV test and license would need notification..

My reading of this is that the VOCH1 is required. They don’t seem to make a distinction about whether the license was granted as a Group 1 or Group 2 entitlement.

Heart attacks, angioplasty, and driving

You may need to send DVLA a form if you've had a heart attack (myocardial infarction) or heart, cardiac or coronary angioplasty.

www.gov.uk

It might make a difference to how they assess the matters if you are under 70 but it is clear that once you have renewed it the higher medical requirement of Group 2 licenses that applies. I found this on another bit of the Gov website.
“Drivers who were awarded a Group 1 category B (motor car) licence before 1 January 1997 have additional entitlement to categories C1 (medium-sized lorries, 3.5t to 7.5t) and D1 (minibuses, 9 to 16 seats, not for hire or reward). Drivers with this entitlement retain it only until their licence expires or it is revoked for medical reasons. On subsequent renewal or reapplication, the higher medical standards applicable to Group 2 will apply.”

General information: assessing fitness to drive

General information for medical professionals about the assessing fitness to drive guide.

www.gov.uk

I am 72 and sent off my VOCH1 in March and was eventually told I had to do a Stress Test. I passed this a couple of weeks ago. Meanwhile they sent me a couple of letters but no one has suggested I didn’t need to submit the VOCH1 form.

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