My passport has expired and want a current account

Of course they can. Doesn’t make it right though

Quite obviously a loads of b****cks because it’s perfectly possibly to obtain a full substantive driving licence whilst under 18.

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You’re not applying for credit when you apply for a driving licence. I suggest they’re mistaken.

This is absolute bollocks. The proof of address in a driving license comes from the fact that to have the license, you must have access to the address it was sent to, which is always the address printed on it.

If it were me, I’d have argued with this person for a good several hours. I can’t stand people that make up stuff.

I see your point but the fact of the matter is that many people do not keep DVLA up to date with their changes of address despite a threat of £1,000 fine for not doing so.

Some people don’t update this info for years!

This is why many places ask for proof of address from a utility bill in the last month or two.

Ummm not sure about that because it also invalidates your insurance too.

It’s really quick to do it online and it’s free, so there isn’t really an excuse.

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Sadly, it’s true. Not sure about years, but I’ve certainly seen them used months out of date. “Can I see some ID please?” “Here’s my licence” “Brilliant, thanks. So you’re at 23 Railway Cuttings?” “Oh, no, that’s my old address” :man_facepalming:

The other error I sometimes see is people not realising they expire and need replacing every ten years.

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Whenever I’ve moved house I’ve always used an online checklist and it has saved me loads of hassle. With insurance being connected to your licence I’ve always thought of one after the other as well.

Guess I’m just too organised :laughing:

Luckily for you, I am sure about that. I know it for a fact.

Further, it does not invalidate your insurance. I know that for a fact, as well.

You’re absolutely correct, there is absolutely no excuse. Alas, that does not mean that people keep their Driving Licences up-to-date!!

Sadly you’re wrong. Just checked the T&Cs for my policy and the two need to match. Guess it depends on the provider then? :slight_smile:

You’re almost correct, but not quite.

It is only the photo that expires; your licence to drive (your entitlement to drive) does not expire (unless you reach 70yo).

There is an offence of Holder of a driving licence in the form of a photo card fail to surrender it for change of photograph. which is an arrestable offence for which you could (potentially) be disqualified. That’s unlikely to happen though.

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With respect, I am not wrong. I happen to know something (professionally) about this subject.

You’ll still be insured for the purpose of third party risks which is the minimum requirement of the Road Traffic Act 1988.

What that means is that your insurer will insure you against any third party claims. What they may choose to do, though, is not pay out on your claim.

Insurance companies impose terms and conditions for their insurance, as it their right. Your insurer is a business. They collects premiums, pay out on (some) claims and pay dividends to shareholders. If they can find a way of not paying out on your claim, they’ll use it. Which insurer are you with?

I guess it’s down to what crazy loopholes they want to insist on, to reduce their chances of paying out. When I was at University, my insurer made me work out how many days the vehicle was likely to be with me at University, as any more than 50% of the year, meant the insurance address had to be the term-time one, but my driving license could remain as my home one.

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That’s exactly my point, it’s worth checking and not assuming the two addresses don’t need to match.

Who wants to run the risk of your insurance company only paying for the other car and not yours. Or worse still, neither, and you have to foot the entire bill. :grimacing:

You’re right. People should check the T&Cs of the insurance policy. Many don’t.

That’s not what you said. You said that having a mismatch of addresses invalidates your insurance.

It doesn’t. I clarified that you’re still covered for third party risks.

Because the wording on the policy was so ambiguous, I once had to check with my insurance company to see if changing the tyres on the car from the standard brand for the model to tyres of my own choice counted as a ‘modification’ :neutral_face:

Haha I’ve been on a modifications argument with an insurance company before. I feel your pain :rofl:

Good to check as many wouldn’t. Tyres are a consumable. Changing brands shouldn’t be an issue.

Changing the tyre size / profile (on same size alloy or change of alloy) would more than likely count as a modification and would need to be declared as a material fact to the underwriter who may reassess the risk.

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They also don’t support changing driving licenses to foreign addresses - they tell you to leave it as it is or change it to a family members. So I have address proof thats current and valid when really it shouldn’t be.

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