DVLA has added an automatic only restriction to my license
Discussion
Stella Tortoise said:
Donbot said:
People with an automatic only licence pay higher premiums.
No they don't.My Mrs has an auto only licence and pays £153 a year on an SLK.
IIRC the article said the premiums were about 15% higher. I've tried looking for the article but it seems to have disappeared.
Stuart70 said:
Stella Tortoise said:
No they don't.
My Mrs has an auto only licence and pays £153 a year on an SLK.
How much would she pay if she had a manual and auto licence - could be £120? My Mrs has an auto only licence and pays £153 a year on an SLK.
How does having a manual licence make you a lower risk driving an auto than someone with an auto licence? Do manual licence holders have fewer claims on autos than auto licence holders? Never heard of this. I think it's utter nonsense.
If auto licence holders need to pay more driving an auto than a manual licence holder, than maybe someone without an HGV class 1 licence should pay more to insure a car than someone with a class 1 HGV licence?? It makes about as much sense!
TwigtheWonderkid said:
There is no extra charge for only having an auto licence. In fact, I've never been asked. I've only ever seen on drop down boxes full/prov/international etc. Never seen auto/manual. If you have an auto licence only, and you're insuring an auto, you have a full licence.
They ask on comparison sites.TwigtheWonderkid said:
There is no extra charge for only having an auto licence. In fact, I've never been asked. I've only ever seen on drop down boxes full/prov/international etc. Never seen auto/manual. If you have an auto licence only, and you're insuring an auto, you have a full licence. That's the correct answer to the question.
How does having a manual licence make you a lower risk driving an auto than someone with an auto licence? Do manual licence holders have fewer claims on autos than auto licence holders? Never heard of this. I think it's utter nonsense.
If auto licence holders need to pay more driving an auto than a manual licence holder, than maybe someone without an HGV class 1 licence should pay more to insure a car than someone with a class 1 HGV licence?? It makes about as much sense!
Not sure why you are getting agitated at me for this. 15 years in motor insurance and I think broadly it is that auto only licences (in overall terms) are where the test is taken by “less confident” drivers (yes, I know there can be lots of other reasons) and as such the accident statistics do support the point.How does having a manual licence make you a lower risk driving an auto than someone with an auto licence? Do manual licence holders have fewer claims on autos than auto licence holders? Never heard of this. I think it's utter nonsense.
If auto licence holders need to pay more driving an auto than a manual licence holder, than maybe someone without an HGV class 1 licence should pay more to insure a car than someone with a class 1 HGV licence?? It makes about as much sense!
Quote from Admiral car insurance website (not my favourite insurer by a long way, but makes the point)
“ Driving licence type is also a rating factor, so let’s look at how licence type affects your car insurance quote. As you can see from the data above, the average premium for drivers with an automatic licence is a massive 43.89% higher than drivers with a full licence.
This seems to be down to a claims frequency that is 19.23% higher than those with a full licence. Average claim cost is roughly the same across all licence types; this implies automatic licence holders are more likely to have an accident than those with a full licence.”
Stuart70 said:
Not sure why you are getting agitated at me for this. 15 years in motor insurance and I think broadly it is that auto only licences (in overall terms) are where the test is taken by “less confident” drivers (yes, I know there can be lots of other reasons) and as such the accident statistics do support the point.
Quote from Admiral car insurance website (not my favourite insurer by a long way, but makes the point)
“ Driving licence type is also a rating factor, so let’s look at how licence type affects your car insurance quote. As you can see from the data above, the average premium for drivers with an automatic licence is a massive 43.89% higher than drivers with a full licence.
This seems to be down to a claims frequency that is 19.23% higher than those with a full licence. Average claim cost is roughly the same across all licence types; this implies automatic licence holders are more likely to have an accident than those with a full licence.”
Auto only is a full licence.Quote from Admiral car insurance website (not my favourite insurer by a long way, but makes the point)
“ Driving licence type is also a rating factor, so let’s look at how licence type affects your car insurance quote. As you can see from the data above, the average premium for drivers with an automatic licence is a massive 43.89% higher than drivers with a full licence.
This seems to be down to a claims frequency that is 19.23% higher than those with a full licence. Average claim cost is roughly the same across all licence types; this implies automatic licence holders are more likely to have an accident than those with a full licence.”
Stella Tortoise said:
Stuart70 said:
Not sure why you are getting agitated at me for this. 15 years in motor insurance and I think broadly it is that auto only licences (in overall terms) are where the test is taken by “less confident” drivers (yes, I know there can be lots of other reasons) and as such the accident statistics do support the point.
Quote from Admiral car insurance website (not my favourite insurer by a long way, but makes the point)
“ Driving licence type is also a rating factor, so let’s look at how licence type affects your car insurance quote. As you can see from the data above, the average premium for drivers with an automatic licence is a massive 43.89% higher than drivers with a full licence.
This seems to be down to a claims frequency that is 19.23% higher than those with a full licence. Average claim cost is roughly the same across all licence types; this implies automatic licence holders are more likely to have an accident than those with a full licence.”
Auto only is a full licence.Quote from Admiral car insurance website (not my favourite insurer by a long way, but makes the point)
“ Driving licence type is also a rating factor, so let’s look at how licence type affects your car insurance quote. As you can see from the data above, the average premium for drivers with an automatic licence is a massive 43.89% higher than drivers with a full licence.
This seems to be down to a claims frequency that is 19.23% higher than those with a full licence. Average claim cost is roughly the same across all licence types; this implies automatic licence holders are more likely to have an accident than those with a full licence.”
Donbot said:
TwigtheWonderkid said:
There is no extra charge for only having an auto licence. In fact, I've never been asked. I've only ever seen on drop down boxes full/prov/international etc. Never seen auto/manual. If you have an auto licence only, and you're insuring an auto, you have a full licence.
They ask on comparison sites.Stuart70 said:
Stella Tortoise said:
Stuart70 said:
Not sure why you are getting agitated at me for this. 15 years in motor insurance and I think broadly it is that auto only licences (in overall terms) are where the test is taken by “less confident” drivers (yes, I know there can be lots of other reasons) and as such the accident statistics do support the point.
Quote from Admiral car insurance website (not my favourite insurer by a long way, but makes the point)
“ Driving licence type is also a rating factor, so let’s look at how licence type affects your car insurance quote. As you can see from the data above, the average premium for drivers with an automatic licence is a massive 43.89% higher than drivers with a full licence.
This seems to be down to a claims frequency that is 19.23% higher than those with a full licence. Average claim cost is roughly the same across all licence types; this implies automatic licence holders are more likely to have an accident than those with a full licence.”
Auto only is a full licence.Quote from Admiral car insurance website (not my favourite insurer by a long way, but makes the point)
“ Driving licence type is also a rating factor, so let’s look at how licence type affects your car insurance quote. As you can see from the data above, the average premium for drivers with an automatic licence is a massive 43.89% higher than drivers with a full licence.
This seems to be down to a claims frequency that is 19.23% higher than those with a full licence. Average claim cost is roughly the same across all licence types; this implies automatic licence holders are more likely to have an accident than those with a full licence.”
TwigtheWonderkid said:
Perhaps because Admiral are idiots, and nothing they say about car insurance is remotely worth listening to. As said, if insuring an auto, auto licence is a full licence. And I still maintain, I have never been asked or seen full auto/ full manual as an option. I've only ever seen full/provisional/EU/Non EU and the usual options.
I have worked for 3 major UK motor insurers at C suite level over the last 15 years; they all took it into account. I have not worked at Admiral, hence my earlier comment.Just to humour you I went on Compare the Market and it asks you for full/provisional; then UK/EU/European non EU/International and then the next question is a choice between includes manual vehicles or Automatic only.
I am not suggesting any poster is telling untruths, I am simply trying to add to the knowledge of people involved here.
Note - it does NOT mean that all underwriters will require their policies to differentiate, but given the accident statistics, I would be surprised if there are many who do not.
Hope that helps, have a great day
I went through the same, passed my bike test and they lost my car entitlement.
I was totally stonewalled, they flat denied it.the only way I got around it was my employer kept a photocopy showing my car entitlement and after weeks of f
king around they relented.
They were of the adamant opinion that i shouldnt drive a car in the meantime.
I was totally stonewalled, they flat denied it.the only way I got around it was my employer kept a photocopy showing my car entitlement and after weeks of f
king around they relented.They were of the adamant opinion that i shouldnt drive a car in the meantime.
TwigtheWonderkid said:
Perhaps because Admiral are idiots, and nothing they say about car insurance is remotely worth listening to. As said, if insuring an auto, auto licence is a full licence. And I still maintain, I have never been asked or seen full auto/ full manual as an option. I've only ever seen full/provisional/EU/Non EU and the usual options.
I've just gone on Compare the Market out of curiosity and got a quote.Firstly, you definitely get asked whether you have a manual or an auto only licence.
Manual Licence - Top 4 quotes:
£435
£501
£504
£507
Auto Only Licence - Top 4 quotes:
£435
£507
£534
£536
Some insurers don't charge more, but others clearly do.
This sounds like a ridiculous farce with potentially dire circumstances and doesn't sound like a one off!
Also on the note that people are saying Auto/Manual licences have no reflection on price are just quite obviously wrong. Did it for my girlfriend who is looking at passing her test and she asked if she could just do an Auto licence as it'll be easier. We looked into the insurance side and with the only variable being the Manual/Auto licence, the auto was circa 15% more expensive (on the same automatic vehicle). I believe this is a pretty well known fact and every time I have done an insurance quote they've asked whether I have a manual or automatic. Pretty critical detail the type of licence you hold isn't it if we are being honest.
Also on the note that people are saying Auto/Manual licences have no reflection on price are just quite obviously wrong. Did it for my girlfriend who is looking at passing her test and she asked if she could just do an Auto licence as it'll be easier. We looked into the insurance side and with the only variable being the Manual/Auto licence, the auto was circa 15% more expensive (on the same automatic vehicle). I believe this is a pretty well known fact and every time I have done an insurance quote they've asked whether I have a manual or automatic. Pretty critical detail the type of licence you hold isn't it if we are being honest.
Michaelbailey said:
Pretty critical detail the type of licence you hold isn't it if we are being honest.
Only that you have a full licence for the vehicle being insured. If you're insuring a car, and they asked you if you held a full licence for artics, wouldn't you think that weird? You're not driving an artic. Oilchange said:
Surely you can, I would. You have legal proof you passed your test on a manual and no court is going to prosecute you if you show the pass certificate. You also have not had your licence withdrawn so the original qualification is valid until you are 70.
Ultimately the courts know the DVLA make cockups, this is a prime example.
Which is all very well, but for those of us who passed the driving test back in 1985, I would be amazed if anybody has the original pass certificate filed away. I hope this never happens to me!!!Ultimately the courts know the DVLA make cockups, this is a prime example.
Edit: if I move house, I will make sure I photocopy/scan my license just in case....
Edited by Biker 1 on Wednesday 19th February 13:26
I had a customer who only discovered he had lost his full bike licence when I sold him a new bike and had to photocopy it.
It went from a casual 'I'd better give them a ring later' to full blown panic when he realised he was going to have to resit his test (30 years after).
Hugely expensive and not easy with so many changes. As far as DVLA were concerned it was tough st.
It went from a casual 'I'd better give them a ring later' to full blown panic when he realised he was going to have to resit his test (30 years after).
Hugely expensive and not easy with so many changes. As far as DVLA were concerned it was tough s
t.The irony is, DVLA like any other govt organisation have regular archive back ups of the database for obvious reasons.
However it is only accessible through thier IT dept and the outsourced company who store the data, so they simply wont retrieve data for us mere mortals such as license holders. We arent important enough.
However it is only accessible through thier IT dept and the outsourced company who store the data, so they simply wont retrieve data for us mere mortals such as license holders. We arent important enough.
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