Personal Finance & Money Asked by maupertius on December 21, 2020
I exchanged my EU driving license (obtained back in 2004) into a UK one in 2015. The UK driving license therefore says 2015 under ‘Date of Issue’.
I’m in the process of getting quotes for car insurance. Under the question "How long have you held your license for?" would I have to say 16 years (from 2004) or 5 years (from 2015)? Seems to make quite a big difference to the final quote.
I've been in this situation many times. Put down "16 years". After all they literally ask: "How long have you held your license for?"
Don't "borrow trouble" you know? With legal-ish issues if asked for something specific, answer literally, and leave it at that!
Correct answer by Fattie on December 21, 2020
The question they're asking is for how long you've been able and qualified to drive. It's a measure of experience. You can check this out for yourself by going to some manner of insurance quote website like moneysupermarket, and putting your details in, looking at the quotes, then going back and changing the amount of time for which you've had your license. The longer that is, the lower the premiums.
How long you've had a piece of plastic has no bearing on insurance premiums. It makes no sense for premiums to jump up to new driver levels when you get a new license.
Answered by Adam Barnes on December 21, 2020
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