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UK citizen repatriated to UK with expired UK driving license
Comments
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So if he tells the insurance company the full facts to obtain insurance it would be valid. So what you originally said is wrong.Emmia said:
The only valid licence would be the US one - so that is what they'll quote on. He may be able to get a reduction in the policy once he has his UK licence in his hands.452 said:
Maybe he tell the insurance company the truth, he has a US licence and has applied for a UK one. Would that be wrong?AdrianC said:
Simples. Because he doesn't have a valid UK licence, and hasn't held one for a decade. It's not hard.452 said:Do explain why his insurance wouldn't be valid.
His only valid licence is his US one. If he's lied to the insurer on the proposal, and told them he holds a full UK, then the policy can and will be cancelled.
If it's discovered by the insurer in the throes of a claim, then they will still pay for the other party's damage, but they will pass the bill straight back to him.0 -
The insurance company will quote on the licence he has, and which is valid his US licence. I can't see they'll quote on an invalid UK licence which is the current position.452 said:
So if he tells the insurance company the full facts to obtain insurance it would be valid. So what you originally said is wrong.Emmia said:
The only valid licence would be the US one - so that is what they'll quote on. He may be able to get a reduction in the policy once he has his UK licence in his hands.452 said:
Maybe he tell the insurance company the truth, he has a US licence and has applied for a UK one. Would that be wrong?AdrianC said:
Simples. Because he doesn't have a valid UK licence, and hasn't held one for a decade. It's not hard.452 said:Do explain why his insurance wouldn't be valid.
His only valid licence is his US one. If he's lied to the insurer on the proposal, and told them he holds a full UK, then the policy can and will be cancelled.
If it's discovered by the insurer in the throes of a claim, then they will still pay for the other party's damage, but they will pass the bill straight back to him.
If he tells them he has a UK licence only, and then has a crash before he gets his UK licence (i.e. he's using his US licence to legally drive) then because he didn't declare the US licence when taking out insurance his policy is either invalid or would be cancelled/withdrawn with the insurance company declining cover for him - in that instance he would be without insurance which is an offence.
An insurance company might offer cover with a UK licence, but not with a US licence.0 -
Emmia said:
If he tells them he has a UK licence only, and then has a crash before he gets his UK licence (i.e. he's using his US licence to legally drive) then because he didn't declare the US licence when taking out insurance his policy is either invalid or would be cancelled/withdrawn with the insurance company declining cover for him - in that instance he would be without insurance which is an offence.452 said:
So if he tells the insurance company the full facts to obtain insurance it would be valid. So what you originally said is wrong.Emmia said:
The only valid licence would be the US one - so that is what they'll quote on. He may be able to get a reduction in the policy once he has his UK licence in his hands.452 said:
Maybe he tell the insurance company the truth, he has a US licence and has applied for a UK one. Would that be wrong?AdrianC said:
Simples. Because he doesn't have a valid UK licence, and hasn't held one for a decade. It's not hard.452 said:Do explain why his insurance wouldn't be valid.
His only valid licence is his US one. If he's lied to the insurer on the proposal, and told them he holds a full UK, then the policy can and will be cancelled.
If it's discovered by the insurer in the throes of a claim, then they will still pay for the other party's damage, but they will pass the bill straight back to him.By coincidence, this quote has just popped up on another forum:"... where an insurance policy is voidable (e.g. due to misrepresentation), it remains valid unless and until the insurer takes steps to void it".So in your scenario the gentleman would not be committing the offence of driving without insurance. Whether he would have committed fraud is another question.0 -
Though age 80 may be a slight issue. But they must make a medical declaration as part of the application. For more about related Quick driving test in the UK just Go
https://www.testswap.com/driving-test-cancellation-checker/
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