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Hi,

I have recently started treatment for severe OSA and use a CPAP machine. After 3 weeks treatment my AHI went down from 42(severe) to 20 (moderate). I am due to visit my sleep clinic next week for my second review.

  On the advice of my sleep clinic I submitted the S1 form to the DVLA and after they referred to my consultant I now have to submit my current licence and have it replaced with a medical review licence.

Obviously I am going to refer this to my insurance company. Does anyone know if having a medical review licence will affect my premium or at worst ability to get insured? I was advised by my sleep clinic that it would be unlikely that I would lose my licence if I was responding to treatment for OSA.

 

John Wilkinson

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You need to get at least 5 hours under your belt every night, plus you really need to get it down to 5 or less events per night.

It is not easy to get it down right away for some people, but keep working at it and if you are struggling contact your sleep clinic for advice, they are usually good at giving advice, though there is a few that is not there all the time.  So if this is the case, you can always ask for advice of forums.  Though most users on forums are not medically trained, they do have the advantage that they use the equipment every night.

Your insurance, it will depend on them, some say as long as it is ok with DVLA for you to drive it is fine with them and they just note it.  Others will raise the policy slightly, a lot depends on how long you have been with them or if you have had accidents.  Most I have to say do nothing, when I told mine they asked what it was, when I explained they said as long as they were told there was nothing in their policy for it, so just carry on as I was.  Even the works car insurance, who looked it up before they gave an answer said as long as it was fine with the DVLA it was fine with them.  They only asked if I was tired when driving, I said as long as I use the machine I have, not in the slightest. 

It will depend on your insurance company or how long you have been with them.



Sleep2snore said:

You need to get at least 5 hours under your belt every night, plus you really need to get it down to 5 or less events per night.

It is not easy to get it down right away for some people, but keep working at it and if you are struggling contact your sleep clinic for advice, they are usually good at giving advice, though there is a few that is not there all the time.  So if this is the case, you can always ask for advice of forums.  Though most users on forums are not medically trained, they do have the advantage that they use the equipment every night.

Your insurance, it will depend on them, some say as long as it is ok with DVLA for you to drive it is fine with them and they just note it.  Others will raise the policy slightly, a lot depends on how long you have been with them or if you have had accidents.  Most I have to say do nothing, when I told mine they asked what it was, when I explained they said as long as they were told there was nothing in their policy for it, so just carry on as I was.  Even the works car insurance, who looked it up before they gave an answer said as long as it was fine with the DVLA it was fine with them.  They only asked if I was tired when driving, I said as long as I use the machine I have, not in the slightest. 

It will depend on your insurance company or how long you have been with them.

Thank you for your advice. I contacted my insurance company (LV), with trepidation, and informed them that I now held a 3 year medical review licence and that I had moderate OSA and they were ok with that. They said if the DVLA said I was fit to drive there would be no problem and no increase in premiums.

The only restriction on 3YMR licence is that I can't drive anything over 3.5 tonnes which does not limit me.

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