Drivers with diabetes are protected under the Disability Discrimination Act (1995) in Northern Ireland and the Equality Act (2010) in England, Scotland and Wales. This means that insurers can only refuse cover or charge more for cover if they have evidence of increased risk.

Most of the evidence available about drivers with diabetes indicates that they are at no higher risk than any other driver. As a result of this, many insurance companies no longer ask about diabetes when you apply for insurance.

If your car insurance is too high it is worth challenging your insurer. Car insurance is very competitive and you should always shop around before buying. We recommend you take at least three quotes.
 
If you feel your insurance premium is too high it is worth challenging your insurer, especially if your diabetes is stable and well controlled. If you are still not satisfied switch to another insurer – there are plenty around who will be pleased to accept your business. It is always worth shopping around for quotes from a number of insurers, as there can be a big difference in premiums.

When applying for motor insurance, you must declare you have diabetes even if they do not ask you. You must also inform your insurance company if there are any changes to your condition or its treatment. Failure to do so could invalidate your cover in the event of a claim. Failure to notify the DVLA/DVA can also invalidate cover.