Re-applying for driving licence after six month disqualification

delpiero · 29 Nov 2018 at 17:20

Hi all,

I managed to get my whole life into a mess earlier in the year, and in the process went from holding a 10-year clean driving licence, to amassing 12 points in the space of about 2 months, and thus getting a six month disqualification.

My disqualification expires in a few weeks' time, and I am eligible to apply for my licence again without having to take a driving test. My question relates to insurance and applying for insurance quotes - does the period I have held the licence for get reset to zero, or would it still be 2007 (the year I passed my test).

Any help would be greatly appreciated.

rodenal · 29 Nov 2018 at 18:13

The period starts from when you first passed, you just need to declare the suspension

Edit - this is assuming your photo card states the first date on the back (near certain it will)

koolpc · 29 Nov 2018 at 18:16

We are only human mate. Hope all works out ok for u.

Roland Butter · 29 Nov 2018 at 19:58

After the ban does your licence return to being " clean " ?

~Dockie · 30 Nov 2018 at 00:20

I can sympathize, similar situation. 10 years clean, got into a mess as well. Now sat on 9 points with 2 claims against me.

Mercenary Keyboard Warrior · 30 Nov 2018 at 10:04

Roland Butter said:
After the ban does your licence return to being " clean " ?

You mean the points being wiped off?

In that case no, they expire after years, the suspension is on top, its the penalty for totting up enough points

Psycho Sonny · 30 Nov 2018 at 11:16

~Dockie said:
I can sympathize, similar situation. 10 years clean, got into a mess as well. Now sat on 9 points with 2 claims against me.

10 years clean is nothing special tbh. I know someone who drove without a license or insurance for 10 years. So if he never got pulled over then I can understand how many people who have clean licenses could in fact be terrible drivers.

Roland Butter · 30 Nov 2018 at 17:55

Psycho Sonny said:
I know someone who drove without a license or insurance for 10 years.

I doubt that would be possible now, cop cars fitted with Number Plate Recognition System would suss and stop an uninsured car in an instant.

flipface · 30 Nov 2018 at 20:39

Roland Butter said:
I doubt that would be possible now, cop cars fitted with Number Plate Recognition System would suss and stop an uninsured car in an instant.

What happens if i drive my wife's car , which i'm not insured on , but will show as insured on anpr?

Scania · 30 Nov 2018 at 20:43

flipface said:
What happens if i drive my wife's car , which i'm not insured on , but will show as insured on anpr?

Sod all unless your randomly pulled over or involved in an RTA.

Psycho Sonny · 30 Nov 2018 at 22:10

Roland Butter said:
I doubt that would be possible now, cop cars fitted with Number Plate Recognition System would suss and stop an uninsured car in an instant.

car was insured just not in their name

Roland Butter · 1 Dec 2018 at 06:52

flipface said:
What happens if i drive my wife's car , which i'm not insured on , but will show as insured on anpr?

I'm ancient enough to remember that it was common for car comprehensive insurance policies to say that " insured and spouse " were covered to drive,
even though I had no spouse

bainbridge · 1 Dec 2018 at 07:30

flipface said:
What happens if i drive my wife's car , which i'm not insured on , but will show as insured on anpr?

Nothing unless a police patrol decide to run it through and it comes back that no males are named.

Em3bbs · 1 Dec 2018 at 09:48

Mercenary Keyboard Warrior said:
You mean the points being wiped off?

In that case no, they expire after years, the suspension is on top, its the penalty for totting up enough points

This. Also you will have to declare that you lost your licence which adds megabucks to the cost of insurance.

I lost my license for totting up many years ago - the annoying thing was I got the final three points doing 90 on a clear M3 motorway and 12 hours later 6 of my points would have been coming off, but I still got banned for the full 6 months.

DXP55 · 1 Dec 2018 at 12:51

flipface said:
What happens if i drive my wife's car , which i'm not insured on , but will show as insured on anpr?

Mate drove his wife's car and was sat at traffic lights -Cop car coming other way stopped at lights as well - off he went and cop car turned round and followed him then pulled him over - They said a woman owns the car and it doesn't have a man on as named driver - are you insured - he had his own insurance that covered all cars for his business.

ExoMale · 2 Dec 2018 at 14:30

Roland Butter said:
After the ban does your licence return to being " clean " ?

i dont know nothing about bans, but i found out from points they are still on your license for another year, i had 6 points(luckily not 9 lol) since 2015 that expired back in october this year, so while my license is clean, for my recent insurance ive had to still declare them as on the dvla file site it states they will be clear for good next october unless i get unlucky again lol, id imagine a ban might be longer maybe given the nature of such.

Phemo · 2 Dec 2018 at 14:52

ExoMale said:
i dont know nothing about bans, but i found out from points they are still on your license for another year, i had 6 points(luckily not 9 lol) since 2015 that expired back in october this year, so while my license is clean, for my recent insurance ive had to still declare them as on the dvla file site it states they will be clear for good next october unless i get unlucky again lol, id imagine a ban might be longer maybe given the nature of such.

After 3 years they'll be off your license for totting up purposes and you'll be sat at 0 points, with the offence and original points still showing on there for a 4th year. However legally you're still required to declare it on insurance for 5 years, so if you go by the book, you still need to declare it on your insurance up until 2020.

Not quite sure what the point is, it'd make more sense for them to still show as expired on the license for up to 5 years if you need to declare it to insurers for that amount of time. Although I suppose one advantage is that depending on the offence, it means you can hire cars again after 4 years if you had something like a CD10 with 6 points.

ExoMale · 2 Dec 2018 at 16:39

Phemo said:
After 3 years they'll be off your license for totting up purposes and you'll be sat at 0 points, with the offence and original points still showing on there for a 4th year. However legally you're still required to declare it on insurance for 5 years, so if you go by the book, you still need to declare it on your insurance up until 2020.

Not quite sure what the point is, it'd make more sense for them to still show as expired on the license for up to 5 years if you need to declare it to insurers for that amount of time. Although I suppose one advantage is that depending on the offence, it means you can hire cars again after 4 years if you had something like a CD10 with 6 points.

yeah i know, mean luckily i found a cheap enough insurance company to renew with despite having to declare my points, i didnt at one stage in my early years of driving as i was early 20's when i thought the points i got at 18(6 months after passing lol) were clear, didnt have issues, but obviously im not as naive as i was, so i do it by the book now, but i agree that its stupid to have to declare them for another year after a clean license status, like having points and high insurance wasnt punishment enough.

my last points code was the 'not proving my identity' which was a higher premium code than the SP30 or whatever it was for that i originally got which doubled my points, so i suppose if you got a pretty taxing code its annoying, if its only minor and barely ups your policy then be better.

Domi · 2 Dec 2018 at 19:10

Mercenary Keyboard Warrior said:
You mean the points being wiped off?

In that case no, they expire after years, the suspension is on top, its the penalty for totting up enough points

pretty sure this is NOT the case it certainly was not when this happened to me.

totting up ban actually wipes the slate clean on points , however that does not help from insurance point of view as the question have you been banned in x years is
always on insurance forms.

" If you are banned under these totting provisions a TT99 conviction code will be endorsed on your driving licence. This has a massive impact upon the cost of insurance and is one of the most damaging endorsements to have against your record in this respect.

The only benefit that comes from being disqualified as a totter is that it wipes your licence clean of any existing points and allows you to start fresh following your period of disqualification."

just took that from a uk solicitors website"