Hi Folks,

It’s that time again, which I loath unequivocally , to search for car insurance in the hopes I land myself a quote that doesn’t cost the earth. In light of this, please can I ask if you can help me in answering a few questions I have.

• I am one of the those unfortunate people that has to reapply for license renewal every year. You try to do things abiding by the law and you get shafted. A few years ago, in my infinite wisdom, I informed the DVLA regarding meds I was taking and wham they slap me as having a drinking problem and now have to go through the absolute s*** show of reapplying every year. The issue comes when I apply for insurance. My current insurance ends early next month. My license runs out at the end of the month. Do I have to declare this with the insurers? I have already sent off my DVLA renewal application a few weeks ago. No doubt, I’m going to have to do a DVLA medical. From experience waiting for license issuance with the DVLA will take me past the date when my license runs out - I will thereafter be driving under Section 33. Again will I have to inform my insurer of this?

• Regarding NCB. I was under the impression that every time you renew your license you lose your NCB. Is this true? On the same subject, I didn’t drive for close to 2 years. Will my NCB accrued be voided?

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Edited by Yuria on 14/06/2025 at 03:09