It is discrimination of course, but whether it's anything you can do much
about will depend what country you are living in ...

Here in the UK some insurers have in the past refused me cover, and some
have wanted to load my cover, but others were quite happy to provide cover
with no loading at all. Never did get to the bottom of why. I just shrugged
and went with the last lot.

I'm sure there's at least one association for people with epilepsy in your
country. I suggest you talk to them as they can probably give you some names
of insurers who talk a sensible attitude. Alternatively tell us where you
live and someone who is in the same country as you may be able to suggest
someone.

Hi Kris.  Is this insurance company one that you currently are using?  Sometimes
insurance companies try to get you to sign an agreement saying so-and-so in your
family will not be driving a vehicle - a driver exclusion endorsement

Our insurance company tried to do that with our oldest son, because he had a
certain number of tickets.  He wasn't even living in our home at the time, but I
wasn't about to sign the agreement.  They evidently weren't aware that he no
longer lived in our home.  We knew that they couldn't drop our insurance because
we had been with them for so long (23 years).  Actually it was our insurance
agent (who retired) that explained that to us.  So when the new guy tried to get
us to sign this document we refused.

Come to think about it I remember now that I called the State Department of
Insurance.  They told me to write a letter to my insurance company stating that
my son was no longer living in our home and to stop harassing us, the letter was
copied to the Department of Insurance and a file was opened.  They Department of
Insurance contacted the insurance company and both of them sent us a letter,
saying this request was dropped.  The letter from the insurance company said how
much they appreciated our business over the years..... If they had been informed
that our son was out of the household, they would have removed him from our
underwriting procedures and that would have taken care of any problems.

The previous letter from the insurance company said our auto policies were
guarantee renewal but the home and umbrella policies are not under the same
rules.  In order to continue the umbrella we needed to sign the driver exclusion
endorsement.

I realize you are not in the same situation, but you can get help from the
Department of Insurance.  If you live here in the US they are listed in your
phone book under State Government.  Ask them if your insurance company can do
this to you.

Take care,
Julie

Howdy!

Due to the nature of insurance I'm not sure whether or not you can call it
"discrimination".

Every business has one objective: to make money.

The insurance business is really nothing but a wager that says "I bet that I
will get more money in insurance premiums than I will have to pay out in
benefits."

Insurance companies refuse to give policies to people all the time because
they are too high a risk. I ought to know... I can't get health insurance
from anybody.

That doesn't mean that I'm being discriminated against, I am not being
refused "for no good, reasonable or apparant reason". I'm being refused
because I am too high a risk.

Australian Casualty Company was the name of an insurance company my husband
had that would cover him when he was self employed

but with most insurances now I think that if there is a pre existing
condition such as epilepsy then they will cover but NOT if it is seziure
related

but then again since the HIH debacale here ALL insurance companies have
become money sucking leaches much worse than ever