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Original poster

Expired driving licence

82 replies

BatFastard1 · 21/10/2023 04:53

I’ve also posted in legal .
Hi please can anyone offer any advice .
earlier in the week I was involved in a non fault accident . I am a named driver on my husbands insurance .
We have only recently bought the car which is on hire purchase .
Whilst gathering our documents to send to the insurance company I have noticed that my licence has expired 2 1/2 years ago .
i am so angry at myself for overlooking this .
i understand that I will be not insured and will deal with the fallout , but are the insurance company likely to void my partners insurance altogether because of my stupidity.

OP posts:
margotrose · 23/10/2023 11:18

I don't think you can claim on another party's insurance if your own wasn't valid at the time.

Shade17 · 23/10/2023 12:26

I don't think you can claim on another party's insurance if your own wasn't valid at the time

Of course you can.

Comefromaway · 23/10/2023 12:29

It is not void, send off for a licence ASAP and say you were driving on a Section 88.

PosterBoy · 23/10/2023 12:45

Why are you still catastrophising?

Have you actually spoken to anyone yet at your insurance company and explained that you are waiting for your licence back and can't update them on the licence number til you have it back?

margotrose · 23/10/2023 13:56

Shade17 · 23/10/2023 12:26

I don't think you can claim on another party's insurance if your own wasn't valid at the time

Of course you can.

Everything I've googled said that if you're uninsured and have an accident, you're responsible for all your own repairs.

Original poster
BatFastard1 · 23/10/2023 14:17

@PosterBoy had no contact with insurance today . Partner spoke to them on Friday and said I was having to send off for licence again .
I’m sorry if I’m over reacting, I do have a tendency to always think of the worst case scenario.

OP posts:
Shade17 · 23/10/2023 16:06

Everything I've googled said that if you're uninsured and have an accident, you're responsible for all your own repairs.

Yes, if it’s your own fault!

margotrose · 23/10/2023 16:13

Shade17 · 23/10/2023 16:06

Everything I've googled said that if you're uninsured and have an accident, you're responsible for all your own repairs.

Yes, if it’s your own fault!

Fair enough.

I've looked further and it seems OP may have a claim against the other parties insurance but they can also report her to the police if she's found to be driving uninsured.

PosterBoy · 23/10/2023 17:33

She isn't driving uninsured, some of you are total drama llamas, stop winding her up. She's one of the two million people in the UK who have forgotten to update their photo on their (still valid) driving licence, for which the penalty if the police could be bothered, which they can't, is a fine. A bit like forgetting to do your tax return. Or littering.

Op's insurance will not be cancelled and is not void. She simply needs to let them know there may be a short delay in getting them her updated licence number as she is waiting for it to be processed by DVLA.

Original poster
BatFastard1 · 23/10/2023 18:46

Thank you @PosterBoy I have forwarded my partners details to the insurance company . Hopefully this will buy me a bit more time sending my details , and they won’t start the cancellation process on Friday .

OP posts:
JustAnotherCheeseburger · 23/10/2023 19:56

@BatFastard1 Don't simply hope they won't cancel your policy on Friday, ring them and tell them you're waiting for your licence to come back from the DVLA. You could easily put your mind at rest by speaking to the insurance company, telling the the problem and allowing them to give you more time to get the info to them. Instead you're almost willing the worst to happen by keeping them in the dark.

You won't be the first person they've dealt with who's realised their photo has expired, they will see it all the time.

LIZS · 23/10/2023 20:01

I'm not sure they will talk to op about her dh policy. Although she said he had spoken to them already.

PosterBoy · 23/10/2023 20:26

BatFastard1 · 23/10/2023 18:46

Thank you @PosterBoy I have forwarded my partners details to the insurance company . Hopefully this will buy me a bit more time sending my details , and they won’t start the cancellation process on Friday .

Ok so when they write stuff like that (I just saw your screenshot on the other thread) I am going to translate it for you. What they are saying is
'don't ignore this email, it's important, get in touch in some way by Friday.'

What they are not saying is 'we will cancel your insurance on Friday'.

You phone them up, tell them it's going to take a little while longer to get all the info, your boss is away, you are waiting for the dvla to return your updated licence.

All is good

Toytransportemergency · 23/10/2023 20:35

This happened to DH last summer. Insurance company were OK with it. Was a minor bump, all his fault. No damage to our car so I don’t know if they would have paid that but they paid for the other car to be repaired and we are still insured with them.

Original poster
BatFastard1 · 23/10/2023 20:51

Thank you I will ring them tomorrow tell them boss is away until next week . I have managed to view my driving history on line using my national insurance number and dob . What if they ask me to do this and email the code to them as I have done my partners . I’m sorry to keep bombarding you all with stupid questions .

OP posts:
Original poster
BatFastard1 · 23/10/2023 20:53

@Toytransportemergency how out of date was your husbands licence . Did he need to show his driving history ?

OP posts:
Welshmonster · 23/10/2023 20:56

Did you not get a reminder letter from DVLA or have they stopped sending those. I saw you have until 27 Oct so get it sent off and hopefully on 27 it may be on their system.

Original poster
BatFastard1 · 23/10/2023 21:01

No reminder no , I would have 100 % have renewed there and then if I had .

OP posts:
Keepingittogetherstepbystep · 23/10/2023 21:08

Not sure about waiting times now but I renewed my driving licence through the post office last year as I couldn’t do it online and it was back in 3 days. It was incredibly quick so hopefully you’ll get it sorted this week.

Original poster
BatFastard1 · 24/10/2023 07:22

@JustAnotherCheeseburger insurance company are aware I’ve had to send off for my licence . They don’t know it’s expired I said it was lost .

OP posts:
Toytransportemergency · 24/10/2023 08:22

At least a year, I can’t really remember but quite long! They didn’t ask any other details about him, suppose it’s on all record anyway. I was surprised by how easy it was to deal with.
Once he got his new license, we had to send all the details which was a pain because they had a back log so by the time they read my emails the DVLA code has expired. But we got it sorted.

NanaPamela · 14/01/2024 13:40

Hi. I’m interested in knowing what the out come was as my daughter is in bits as it’s just happened to her x

CuriousCat111 · 26/05/2024 13:41

Hi, I'm also interested to know the outcome of this?

Original poster
BatFastard1 · 26/05/2024 16:32

Hi everything turned out ok . Apparently it was only my photograph that had expired not the license itself .

OP posts:
Joshuasmummy18 · 14/06/2024 18:44

BatFastard1 · 26/05/2024 16:32

Hi everything turned out ok . Apparently it was only my photograph that had expired not the license itself .

Hiya do you know how you know whether the photo has expired or the license? Had a non fault accident, been up a&e all day with my 12 week old who was in the car, got home to a letter from the DVLA telling me my license expired in may and I'm now terrified my insurance won't pay out and I'll be done for being an uninsured driver