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Driving License Renewel

My driving license photo expired about 12 months ago so i'm thinking I should maybe get around to renewing it.
Looks like there is a cost of £20 :money:

Today, I was on the phone to register a credit card who asked if i wanted to pay £11 a year to Insure my credit against theft,etc and this would include paying for a new driving license should i lose it:undecided.

This got me thinking :think: ... If i lost my driving license, and applied for a new one... could i ask for a new photo at the same time? Potentially saving me £20?:idea:

I've looked on the DVLA website but cant decide if this is possible. Any thoughts anyone?
What's it going to be, eh?

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