-
Insurance companies take many different factors into account when calculating an insurance quote. These factors include information about you and your vehicle, your entitlement to drive, and any current penalty points or disqualifications.
Currently, this information is obtained through questioning and application forms. By providing your driving licence number all details about your driving entitlements, disqualifications and penalty points can be obtained directly from the DVLA database. This way you can avoid mistakes during the application process. The data is accessed in real time, causing no delay when receiving your quote.
-
It is up to each individual insurance company to decide whether they will offer insurance to you if you choose not to provide your driving licence number.
We expect insurance companies to keep on accepting self-declared driving history details, but you might be quoted a higher premium, as the insurer cannot check that your details are correct with the DVLA. -
It is going to take some time to get all insurance companies on board and able to receive your driver data from the DVLA, but we’re working on it as quickly as we can. In the meantime you might still need to provide information about your driving entitlements and history, as well as providing your DLN.
-
As long as you have declared your driving entitlement and driving history correctly in the past, your premium should not increase. However, your premium is based on a number of factors, so there could be other reasons why an increase could occur.
-
You aren’t legally obliged to provide your driving licence number. You can still self-declare your driving entitlement and history, but some insurers may make the decision to not insure you if you refuse to provide your driving licence number, as they cannot verify the data.
-
Some insurance providers are already asking for your DLN
-
All driving licences – photocards, counterparts and old style driving licences – display a driving licence number.
-
You only need to provide the driving licence numbers of drivers covered on the policy. So, if the registered keeper will be driving the vehicle, they will need to be covered. However, before providing licence numbers for anyone other than yourself, permission must be granted. If you cannot get permission, their driver data will have to be entered manually.
-
Yes – we expect the vast majority of insurers to request driving licence numbers before providing a motor insurance quote. This includes those who sell policies via brokers and comparison websites.
-
Yes – you will be able to buy motor insurance 24 hours a day, 7 days a week, 365 days a year.
-
If you choose to give your driving licence number, the only data given over will be your entitlement to drive, your driving history, how long you have held your licence, and whether you have any penalty points or convictions in the last five years. This information will only be used to calculate a motor insurance quote and to administer the policy, alongside other details given by yourself, about you and your vehicle.
-
No. Information provided by the DVLA to motor insurers will not be shared with anyone else. Nor will the data that the DVLA provides about you or named drivers be printed on policy documentation.
-
No. Information provided by the DVLA will not be shared with anyone else, including named drivers on the policy.
-
No. Even as the policyholder, you will not be able to access the DVLA information provided about the named drivers on your policy.
-
If you choose to provide your driving licence numbers to different insurers for multiple quotes, then each insurer will be provided with the DVLA data. Each insurer can keep this data for as long as the quote is valid; usually 30 days, unless stated otherwise.
Once the quote expires, the insurer may anonymise the information, and use it for analysis purposes only (in which you are unidentifiable), and after it will be deleted.
-
No. The DVLA does not keep records on speed awareness courses.
-
For the quote process to be fast and convenient you will need to provide all the driving licence numbers for named drivers on the policy. Named drivers must agree to provide their licence numbers before it is given to the insurer.
If you do not have your licence number because it has been lost, damaged, or stolen, you will need to apply for a duplicate. Further information on apply for a duplicate driving licence can be found on www.gov.uk/apply-online-to-replace-a-driving-licence
If a named driver does not want to provide their licence number, they will have to self-declare their driver details.
-
No. Parking fines do not count as motoring offences and do not need to be declared to the insurer. The DVLA does not hold data on parking fines.
-
If you are a non-GB licence holder you will be advised NOT to provide your driving licence number, and will be asked to self-declare your driver data instead.