How Insurers May Check Licence Details
An insurer can ask you about penalty points, disqualifications and motoring convictions when you apply. The exact wording can vary, so read each question carefully.
GOV.UK lets you create a licence check code through the view or share your driving licence service. That code can show driving record details to someone you choose to share it with.
Some quote journeys may also ask for your driving licence number or permission to verify details through an industry licence-data check. That is another reason your answers should match your record.
Susan's note: The important point is not whether an insurer checks every record in the same way. The important point is that your answers should match your record.
What To Prepare Before A Quote
| Detail | Why It Helps | Where To Check |
|---|---|---|
| Offence code | Shows the type of conviction | GOV.UK endorsement code list |
| Penalty points | Helps answer points questions | Driving licence record |
| Conviction date | Quote forms may ask by date | Court or licence record |
| Ban details | Post-ban questions can be specific | Court papers or licence record |
| Claims history | Claims and convictions are separate | Insurer renewal documents |
Why Guessing Can Create Problems
If you guess a date, code or number of points, the quote may not match your real record. That can create problems if the insurer later reviews the details.
If you are unsure, pause before buying. Check your licence, check old documents and ask the insurer or broker how to answer the question.
Useful Internal Links
Use motoring conviction codes if you need to identify the code. Use convicted driver insurance if you want broader quote support after a conviction.
FAQs
Can insurers see my penalty points?
They may ask you to provide the details or share your driving record. You should answer the quote form accurately.
What is a DVLA check code?
It is a code you can create on GOV.UK to share your driving licence information with someone else.
Can I leave off old convictions?
Answer the exact period and wording the insurer asks about. If you are unsure whether something must be included, ask before buying.
Should I check my licence before comparing?
Yes. It helps you give accurate code, points and date information.
Do insurers ask about claims and convictions separately?
Often, yes. A claim, an accident and a conviction can be different questions on a quote form.
