Is this standard practise now?

[Pvapour]

Just started up a new policy and have been asked to provide all the normal stuff but also asked for this:

- Completed My Licence Summary form (available from the DVLA My Licence Website) for all drivers, in order to validate licence details for all drivers

basically granting access to my licence details from DVLA

am i obliged to comply or do i tell them to do one and go elsewhere? i'm within the 2 week period still.

[andburg]

I believe this has become pretty much standard practice now the government has created the system to allow easy checking.

Get it done it'll only allow them to check penalty points etc so unless you're fraudulantly claiming no points you aren't losing anything.

Beats the old method where people forgot to declare points then had a crash and found their insurance was invalid as at that point the insurer checked!

[Snails]

The insurer once relied on honest customers to tell them about points convictions etc. Now they have a database to check that allows them to see straight away if a customer's licence is as clean as they say it is and understandably lots of insurers want to make use of it.

edit: It appears I've repeated the above poster.

Edited by Snails on Wednesday 16th September 17:38

[tony wright]

Did it the other day and takes a couple of minutes, job jobbed...

[andburg]

Snails said:

The insurer once relied on honest customers to tell them about points convictions etc. Now they have a database to check that allows them to see straight away if a customer's licence is as clean as they say it is and understandably lots of insurers want to make use of it.

edit: It appears I've repeated the above poster.

Edited by Snails on Wednesday 16th September 17:38

slow..apt username

[Pvapour]

cheers gents, will do it now.

[GingerMagic]

I've had to do a similar thing for work - I had to sign a consent form for a 3rd party to liaise with the DVLA and check my license on behalf of my employer, which only lasts for 3 years until you have to sign another one....

I use to simply hand over my license to be checked but apparently this means I could be hiding things like points etc from my employer, so it was 'in my interest' that I filled out the consent form...pfft.

[herewego]

Licence practice.

[caelite]

Interesting point is, does this allow the company to check points that are still visible on your license but no longer valid? i.e 3 years into 4 year or 5 years into 11 year endorsements is how I think it works. In which case will this bring legitimacy to the insurers who want to know more about your driving history than you are legally required to tell them?

[andburg]

caelite said:

Interesting point is, does this allow the company to check points that are still visible on your license but no longer valid? i.e 3 years into 4 year or 5 years into 11 year endorsements is how I think it works. In which case will this bring legitimacy to the insurers who want to know more about your driving history than you are legally required to tell them?

No, after 4 years they are not on your license to be seen

[bigee]

andburg said:

No, after 4 years they are not on your license to be seen

Interesting, i was told by DVLA that although the points are spent they will remain on your licence unless you pay a fee to remove them.....

[wc98]

bigee said:

Interesting, i was told by DVLA that although the points are spent they will remain on your licence unless you pay a fee to remove them.....

it tells you on the licence check site that points no longer active will not be shown.

[ging84]

bigee said:

Interesting, i was told by DVLA that although the points are spent they will remain on your licence unless you pay a fee to remove them.....

that was the case if you wanted them removed from your paper licence, but they would be removed anyway with no extra charge if it needed to be reissued for any reason, such as a change of address

[anonymous-user]

We've just built a quote system that checks Driving Licence, Electoral roll, Adverse Credit, and the claims database at quote stage.


So the pre-cover checks will get more common.

[al29108]

Seems to be standard practice - don't have a problem with sending a quick copy of the DVLA electronic record, it takes 2 minutes to generate based on easily accessible details.

However, I did think that LV were being slightly excessive in their demands when taking out the policy on the family run-around last month. 4 drivers as both kids are on it and they wanted:

Copies of both sides of the photocard for each driver (easier said than done when both kids live in other cities at uni)
Counterpart licence for each driver (no mention that these hadn't existed for over 2 months, when I phoned was asked to send the new electronic copy)
A copy of every page of the V5
Standard proof of no claims letter

I ended up sending 17 JPEG images! Almost all had to be manually scanned and cropped, and I spent 3 days chasing teenagers to take photos of their photocards.

Yes, my particular circumstances made this a bigger task and it was hardly the end of the world but it does add another layer of faff to something that previously wouldn't even have been mentioned.

Or maybe I'm just turning into Victor Meldrew!

Edited by al29108 on Thursday 17th September 00:22

[fergus]

desolate said:

We've just built a quote system that checks Driving Licence, Electoral roll, Adverse Credit, and the claims database at quote stage.

Out of interest, why check the electoral role and a credit DB? How do these alter the risk of a payout? The car can be declared as being stored at any location surely, and until payment terms are made, this wouldn't affect the premium would it?

Does the adverse credit check leave a footprint?

[anonymous-user]

fergus said:

desolate said:

We've just built a quote system that checks Driving Licence, Electoral roll, Adverse Credit, and the claims database at quote stage.

Out of interest, why check the electoral role and a credit DB? How do these alter the risk of a payout? The car can be declared as being stored at any location surely, and until payment terms are made, this wouldn't affect the premium would it?

Does the adverse credit check leave a footprint?

I suppose it is all profiling the customer.


Getting adverse info out of the way prior to inception is much cleaner for an insurer as avoiding paying claims after the event is not straightforward and takes time and money. It also enable different rating and policy terms and conditions for different drivers.

My understanding is that the credit "check" doesn't leave a footprint as it only looks for very high level adverse history not minor stuff.

I am not really a detail man though so can't be 100% sure.

[Collectingbrass]

fergus said:

desolate said:

We've just built a quote system that checks Driving Licence, Electoral roll, Adverse Credit, and the claims database at quote stage.

Out of interest, why check the electoral role and a credit DB? How do these alter the risk of a payout? The car can be declared as being stored at any location surely, and until payment terms are made, this wouldn't affect the premium would it?

Does the adverse credit check leave a footprint?

I think the insurance company's assumptions is that the car is normally kept at your electoral role address, rather than what the V5 or insurance declaration address may say. If your insurance declaration says a 19 yr old student keeps his glorious midnight black 2.0S Capri at his dear old gran's house in a leafy Yorkshire village but is registered to vote in Fallowfield in Manchester, or that a 22 yr old site engineer keeps his pristine diamond white XR3i at his mum & dad's in a leafy Yorkshire village and not Canning Town, East London where he works Monday to Saturday, then they might reasonably conclude that you are declaring the car at the cheaper address and load your premium accordingly. Not that this is something I've ever done many years ago you understand ;-)

[Fatrat]

Collectingbrass said:

fergus said:

desolate said:

We've just built a quote system that checks Driving Licence, Electoral roll, Adverse Credit, and the claims database at quote stage.

Out of interest, why check the electoral role and a credit DB? How do these alter the risk of a payout? The car can be declared as being stored at any location surely, and until payment terms are made, this wouldn't affect the premium would it?

Does the adverse credit check leave a footprint?

I think the insurance company's assumptions is that the car is normally kept at your electoral role address, rather than what the V5 or insurance declaration address may say. If your insurance declaration says a 19 yr old student keeps his glorious midnight black 2.0S Capri at his dear old gran's house in a leafy Yorkshire village but is registered to vote in Fallowfield in Manchester, or that a 22 yr old site engineer keeps his pristine diamond white XR3i at his mum & dad's in a leafy Yorkshire village and not Canning Town, East London where he works Monday to Saturday, then they might reasonably conclude that you are declaring the car at the cheaper address and load your premium accordingly. Not that this is something I've ever done many years ago you understand ;-)

Insurers will also use that information to decide if they want to offer you credit should you want to pay in instalments