We recently had a no fault car accident ( really lucky, a huge lorry moved into our lane and crushed our car. How my husband, who was driving, wasn’t crushed too, well, I’m shaking just thinking about it.) Anyway, after informing our insurers I got the documents out & noticed that in the full schedule it says No declared medical conditions for both of us. At the time we took the policy out, that was correct but since then I now have RA and take 3 medications and he had open heart surgery and takes medication. Neither of us have been advised not to drive or to inform DVLA. I’m worried now, that if we had to claim for any injuries ( which thankfully we don’t at present) in the future, this would affect our policy. My question really is , do we need to inform insurers when RA is diagnosed? I do declare it on travel insurance but they always say it doesn’t affect the premiums. My husband conditions, however, does and they bump the premiums up.