I am registered as an insulin dependant diabetic. I am also registered as disabled. If DVLA have been informed there should be no difference in your insurance premium. I have to apply for a new license every 3 years (it's free). I have just recieved my recent quote, £105 fully comp for a year. I am the named driver with full no claims bonus, my husband is a named driver. I have found that it is better to be honest because it is so easy for your insurance to become void just when you need it.