If you were a car insurer, would you quote a higher figure to a deaf person than to a hearing person?

Charles S

Why would the insurer know? Deafness is not considered an affliction that affects ability to drive in the UK, therefore it's not necessary to declare it.

J G

I would think that would contravene the DDA (disability discrimination act)

really?

not at all... I'm an insurance broker and deafness wouldn't be a factor in the quoting process. if the person has a valid drivers license, i am sure he or she is more than qualified to drive; besides, the DVM determines the capability to drive without presenting a risk to themselves or others.

COLIN T

No i would not as a deaf person is not going to be distracted by boom boom car stereo or chatter from his her passengers, or from illicit use of a mobile. I do not see that a deaf person should be any more of a risk than anyone else.

My source for this? I am deaf ! I have also been driving for 46 years, have had 32 cars, have covered over 800,000 miles in 4 countries and have never had an accident of any kind and have never been booked for any motoring offence. I still drive 30,000 miles a year.

Amy H

that would be discrimination - cant be done. they cannot load a premium for a medical condition - if you are not driving against medical advise, then it makes no difference.

Nate W

That would be descrimination. The only way they could that is if they had actual numbers showing deaf people are more likely to be in an accident.Even then, each state would have to approve it and they wouldn't.

Scouse

insurance companies analyse accidents and who is most likely to be at risk of an accident. ie a salesman driving say 20,000 a years is more likely to have a major crash than a mother driving children on the school run who is most likely to have a slow speed minor one. It follows that if those statisics show that a deaf driver is more likely to have an accident than one who can hear it wil lbe reflected in the premium

Lisa

No. A person's hearing ability has no effect on car insurance rates.

Scott H

They can't, unless they have the data to prove hearing-impaired drivers are a higher risk. Otherwise, it's discrimination based on a disability.

Cymraes.

Of course not.
Deafness does not make you a risk to be insured.

paul samysudamanisrihariniranjoo

affordable figure to both of them as per rule as it is regulated one.

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