Driving Licence Database soon to go live.

cepheus

On You and Yours (go to 28 minutes)

Over the next few weeks a new database will soon go live called MyLicence. This allows insurers to access data direct from the DVLA to verify drivers' details. It is hoped the service will assist in accurate pricing and reducing fraud. This means that drivers won't need to disclose convictions on insurance applications anymore, they will only be asked for their driving licence number so the information can be centrally accessed. It is claimed that failure to disclose increases cost for honest motorists, so this should reduce costs by £15 on average (about 4%).

custardy

https://www.abi.org.uk/Insurance-and-savings/Topics-and-issues/Insurance-industry-access-to-driver-data

GingerBob_3

So how far back will the insurance companies be able to trawl through your driving record - right back to the year dot, or just back four years?

Oh, and I can't wait for my £15, or is it £30, reduction. I have a funny feeling I'll be waiting a bloody long time!

Norman_Castle

GingerBob wrote: »

So how far back will the insurance companies be able to trawl through your driving record - right back to the year dot, or just back four years?

Presumably as far as the rehabilitation of offenders act allows.

vaio

nah, insurers managed to get an exemption from the latest version of the rehabilitation rules

Norman_Castle

I still use my old paper license which I doubt is computerised. Will insurers penalise drivers whose records aren't available?.

custardy

Norman_Castle wrote: »

I still use my old paper license which I doubt is computerised. Will insurers penalise drivers whose records aren't available?.

Why would you think having a paper licence means your driver details aren't on computer?
Do you think if you changed address a clerk pops down to the archives,blows the dust off your file and gets the Tippex out?

Norman_Castle

custardy wrote: »

Why would you think having a paper licence means your driver details aren't on computer?
Do you think if you changed address a clerk pops down to the archives,blows the dust off your file and gets the Tippex out?

Because they're not available online now unlike holders of photocard licences. If I change address my licence is updated to a photocard. No need for tippex.

GingerBob_3

So does anyone actually know how far back they'll be able to go?

Trackman

You can see what they have on record for your driving licence at www dot gov dot uk/view-driving-licence It works for paper licences as mine is one.

Aretnap

GingerBob wrote: »

So does anyone actually know how far back they'll be able to go?

Four years. The DVLA don't keep records for longer (other than for certain drink related offences). It actually is an advantage for drivers with convictions, as insurers participating in the scheme will only ask about convictions for 4 years, rather than the current 5.