My Insurance turned me down.

[The Wino]

Not sure about the dominant eye statement. My first eye which accidently turned out to favour close vision was my non dominant eye. This means my dominant eye is now my reading eye. I have no problems now with distance or reading. In fact I can see distance or close up better with both eyes than I can with either one.

I understand that not everyone takes well to monovision. When my wife asked for it the surgeon insisted that she had a month using monovision contact lenses. She hated the lenses but had no problem with monvision and went ahead. Great, no more specs for her either.

Your point about cateract surgery being predictable, my first eye was miles off. When I used the word "mistake" to the eye surgeon who measured my eye he said that it was "not an exact science"

If you're first eye was non dominant and ended up being reading doesn't that mean your dominant one is the distance one?

 

[Folkranger]

I'm 80 this year and my wife will turn 79. I initially moaned about the rise in our premiums but having seen others' rise in general I suppose they're not too bad. It seems that the biggest increases are due to having electric vehicles.

I understand the worrries of people with older relatives who's accuity is failing them, however not all people age at the same rate. I know many people, much younger than me that freely admit to now finding driving very difficult. Before anyone says that older people don't know when they need to stop, I hear from many about specific difficulties they have with night vision and slowed reactions. I, as everyone else, will in time fall to these problems but for the moment have no signs of slowing down.

I crossed the alps in my MH last summer and spent 6 weeks touring some of the most difficult roads in northern Italy. I would resent anyone saying I was not allowed to drive without testing my ability first. This thread started about insurance cover being withheld and to some it has turned into a generalisation that anyone over a certain age is in their dotage.

RANT OVER!

 

[PaulW2]

If you do think of monovision it could be worth thinking of whether to go with dominant eye for distance so biased towards driving and it could be worth asking your optometrist to put some daily disposable contacts if for an hour or two to try and see how it feels. When I tried monovision with contact lenses for people some loved it others just couldn't adapt if you've had implants done you don't really want to try and do a lens exchange it's not as straightforward as the initial cataract surgery.
Cataract surgery usually has pretty predictable results but not always trying to aim for one distance and one near does increase slightly the chance of getting two prescriptions that don't work very well together

I didn't get on with monovision contacts, but was more recently (1 or 2 years ago) prescribed varifocal contacts which are a lot better. The one is still slightly skewed towards distance and the other towards close up but only a bit. On balance still prefer glasses - rarely wear the contacts - but these new ones are much better than the old monovision option I tried.

 

[The Wino]

I didn't get on with monovision contacts, but was more recently (1 or 2 years ago) prescribed varifocal contacts which are a lot better. The one is still slightly skewed towards distance and the other towards close up but only a bit. On balance still prefer glasses - rarely wear the contacts - but these new ones are much better than the old monovision option I tried.

And some find exactly the opposite! Its horses for courses were all different.

 

[gus-lopez]

many of the older drivers who were responsible for the worse claims in terms of liability were suffering visual, physical or cognitive impairment which should have precluded them driving.

come here to where i live in spain.any bloke over 60 coming towards you who is not wearing glasses is basically blind. 8 out of 10 should have there licence taken away.

I'm taking Mi to to eye clinic on Tuesday, we both knew we have cataracts forming but her right eye suddenly went cloudy over a month or two. Getting it sorted at a private clinic under the NHS, after an eye test she had the choice of ½ doz places and could be seen in a couple of weeks.

I hope that all goes well.

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[Live Life Now]

Tried that but I'm the evil son in law. My sister in law thinks it's very important for the mil to keep doing things and active!

a Annon call to the DVLA before she kills someone, gets all the oldies a bad name.
An Oldie!

 

[Folkranger]

If you're first eye was non dominant and ended up being reading doesn't that mean your dominant one is the distance one?

Sorry, should read first eye was dominant

 

[The Wino]

Sorry, should read first eye was dominant

I suspect that your first eye ended up roughly minus 2 to minus 2.5 as you can read with it. The second eye worked out well but if it had gone as far out the other way and been plus 2 it could have be a problem. If you at that point tried varifocal or bifocal specs you would probably get vertical double vision through the reading portion unless you had a slab off bifocal ( at considerable cost and could be hard to adapt to).
It worked well for you and that's what matters to you but it doesn't mean that the same would work for someone else the same with multifocal implants.

 

[Folkranger]

I suspect that your first eye ended up roughly minus 2 to minus 2.5 as you can read with it. The second eye worked out well but if it had gone as far out the other way and been plus 2 it could have be a problem. If you at that point tried varifocal or bifocal specs you would probably get vertical double vision through the reading portion unless you had a slab off bifocal ( at considerable cost and could be hard to adapt to).
It worked well for you and that's what matters to you but it doesn't mean that the same would work for someone else the same with multifocal implants.

I assume you have some knowledge in this subject. I don't other than it worked for both me and my wife. After years of getting more and more complex spectacles we could now see perfectly well without and have stayed like this for many years. I read the second bottom line on the Snellen chart. This is my prescription:

 

[The Wino]

I assume you have some knowledge in this subject. I don't other than it worked for both me and my wife. After years of getting more and more complex spectacles we could now see perfectly well without and have stayed like this for many years. I read the second bottom line on the Snellen chart. This is my prescription:
View attachment 876583

I was an optometrist for 40 years and ditched testing eyes for managing patients in a specialist glaucoma clinic for the last 6 years. In terms of cataract surgery I've seen the good the bad and the ugly one of the problems these days was trying to explain the risks to people whose friends all have good results ( there are still a small percentage who get an unusual prescription especially people who have had previous laser refractive surgery) and some unlucky ones with post surgical infection secondary glaucoma retinal detachment etc.
I'm surprised you manage totally without specs for near your left eye at -1.50 will focus at 2/3 of a metre perfectly but I would have thought really small print would be a challenge

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[Folkranger]

I was an optometrist for 40 years and ditched testing eyes for managing patients in a specialist glaucoma clinic for the last 6 years. In terms of cataract surgery I've seen the good the bad and the ugly one of the problems these days was trying to explain the risks to people whose friends all have good results ( there are still a small percentage who get an unusual prescription especially people who have had previous laser refractive surgery) and some unlucky ones with post surgical infection secondary glaucoma retinal detachment etc.
I'm surprised you manage totally without specs for near your left eye at -1.50 will focus at 2/3 of a metre perfectly but I would have thought really small print would be a challenge

I read books etc. perfectly well. I do complain that since print started being made by computers rather than typeset, there is a race to see who can print the most words on a small label. So yes, the very smallesst of print is a challenge, but that's not an everyday problem.

 

[our poppy llll]

I'm 80 this year and my wife will turn 79. I initially moaned about the rise in our premiums but having seen others' rise in general I suppose they're not too bad. It seems that the biggest increases are due to having electric vehicles.

I understand the worrries of people with older relatives who's accuity is failing them, however not all people age at the same rate. I know many people, much younger than me that freely admit to now finding driving very difficult. Before anyone says that older people don't know when they need to stop, I hear from many about specific difficulties they have with night vision and slowed reactions. I, as everyone else, will in time fall to these problems but for the moment have no signs of slowing down.

I crossed the alps in my MH last summer and spent 6 weeks touring some of the most difficult roads in northern Italy. I would resent anyone saying I was not allowed to drive without testing my ability first. This thread started about insurance cover being withheld and to some it has turned into a generalisation that anyone over a certain age is in their dotage.

RANT OVER!
View attachment 876392

And may you cross the alps again and again. And never need to slow down.

 

[Folkranger]

And may you cross the alps again and again. And never need to slow down.

That's the plan

 

[Molly A]

I am not questioning anything you state except, if you were only dealing with over 50's insurance, the data you were working with was predominantly restricted to the older generations?

Plus, as we all recognise, the 5yrs you have been out of the business, much could have changed?
It certainly has in my own profession of PSV & HGV Transport!

What really struck me though, was the last line of your post that said "data does not lie" !
In today's world, we all know that is a lie, and it certainly can do!

Just the other day, I saw on TV, Mr Trump preaching "Love & Goodwill to ALL men".
(Apparently manipulated by A I.)

How can I not be cynical about, ANY so called, facts & figures?

My son still works in the business, as do many of my friends, nothing has changed in terms of how that cohort performs. At the timeI worked their, for some twenty years, the book was predominantly over 50s with a smaller cohort from 40 upwards. Before I retired we expanded the underwriting footprint to replicate the profile of a more general motor insurer, because it was felt that it would be a more profitable business with the higher premiums from the younger drivers and middle aged drivers mitigating to some extent, the losses in the older cohort . Furthermore the way the data for the 50s up performs was compared to our parent company and underwriter, a very very large insurer which covered all age ranges from learner drivers at 17 upwards to believe it or not, our oldest drivers , hovering around 100 years of age. Looking across the data, all was fine in the 50s and sixties cohorts, 70s started to be poor performing in terms of claims frequency and costs, especially from about 75 years of age. 80s upwards was a basket case, as per my original post. You can be as cynical as you like about the dangers of AI, as, indeed, am I , but this is based on real business data from a real business. You can refute it all you like, it clearly doesn't suit your agenda .

 

[Molly A]

come here to where i live in spain.any bloke over 60 coming towards you who is not wearing glasses is basically blind. 8 out of 10 should have there licence taken away.

I hope that all goes well.

Gus, I could tell you some horror stories, believe me....

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[gus-lopez]

My son still works in the business, as do many of my friends, nothing has changed in terms of how that cohort performs. At the timeI worked their, for some twenty years, the book was predominantly over 50s with a smaller cohort from 40 upwards. Before I retired we expanded the underwriting footprint to replicate the profile of a more general motor insurer, because it was felt that it would be a more profitable business with the higher premiums from the younger drivers and middle aged drivers mitigating to some extent, the losses in the older cohort . Furthermore the way the data for the 50s up performs was compared to our parent company and underwriter, a very very large insurer which covered all age ranges from learner drivers at 17 upwards to believe it or not, our oldest drivers , hovering around 100 years of age. Looking across the data, all was fine in the 50s and sixties cohorts, 70s started to be poor performing in terms of claims frequency and costs, especially from about 75 years of age. 80s upwards was a basket case, as per my original post. You can be as cynical as you like about the dangers of AI, as, indeed, am I , but this is based on real business data from a real business. You can refute it all you like, it clearly doesn't suit your agenda .

That is the problem in the Uk when people treat there own insurance as a way to pay for their own negligence.Years ago no one would claim on insurance for damaging there own vehicle.
& another reason why spanish insurers have less of a problem as many are tp or t.p f&t.

 

[Lenny HB]

rosalan Have you got your insurance sorted yet Alan?

 

[rosalan]

rosalan Have you got your insurance sorted yet Alan?

Yes thank you Lenny. Up by about 180 pounds, now with Tesco after trying every comparison site. All offered Tesco but GoCompare were 80pounds cheaper than next best and with more perks.

 

[georgio]

I reckon all prices have gone up 25 30 per cent over the past 18 months. LV have gone back into profit this year after previous losses

 

[Barbie and Ken]

My Dad used to insure with LV and he was 85

We were refused at 75

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