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[78bex]

Because of the following reasons :-

This is just a follow up email to remind you that you need to meet some requirements in order to process your policy fully.

These requirements are imposed by insurers and the government as compliance, anti-fraud and anti-terrorism measures.
Below is the up to date status of your account:

Subjectivity                    Status
Copy of Licence               Outstanding
Proof of NCB                  Outstanding
Licence Check Code        Outstanding

 WTF has any of this got to do with anti-terrorism 

Anyone else been asked for a  copy of their licence,

[Doctor Gollum]

Yup... Not a new concept and only a surprise if you don't have one

[Andy B]

No. Not once in 30-odd yrs

[2boxerdogs]

Never in 46 years .

[BazaJT]

No I've never been asked for my licence either,although I understand insurers have had the option to ask to see one for quite some time.

[Doctor Gollum]

Every renewal for me, since at least 2006...

[Andy B]

Every renewal for me, since at least 2006...

You must have a dishonest face ...... 

[Viral_Jim]

Hmm,

Don't think so for me, some have asked for proof of NCD but licence and one-time-code have only ever been asked for by hire car companies.

Odd though, doesn't the one time code render asking for the licence obsolete? Given the code links to your licence number and NI number? 

[Bigron]

Ahem, never in 53 years! 

Ron.

[STEMO]

No, never. If they're asking Al, there must be a reason. 

[plym ian]

No never. Send them your fishing licence 

[tunnie]

Some reason standard for motorbikes, I've never had to supply these for car insurance.

But each motorcycle insurance review I had to send these in, apart from licence check code.

[LC0112G]

Anyone else been asked for a  copy of their licence,

Yes, and I refused. There is no such law requiring you to supply a copy of the license. They then say that their company policy is to hold the info on file for compliance purposes. I reply that my policy is to charge everyone £1000 to supply personal information not required by statute. Things tend to go quiet after that. If I did ever get any further demands my reply would be that I haven't received my cheque for £1000 yet.

There is a database that insurers can consult to check that you're being honest about licence details and convictions. For that they do need your license number. Brokers have to pay to access this, so they usually try and strong arm you into supplying a copy of your license instead.

[aaronjb]

While I admire that approach, have you ever had to fight in court to get an insurance payout? I can only imagine them using your failure to provide the details they request as a "reason to treat your insurance as null & void"..

I think I was asked once, way back when (when paper licenses were still a thing) I was insuring a Japanese import grp 20 car at 21

[Bigron]

I'm not sure that your scenario would hold water in court, aaron, because they accepted the premium and the attendant risk. If they had any objection they should have refused the premium.
They can't have it both ways!

Ron.

[Andy B]

Some reason standard for motorbikes, I've never had to supply these for car insurance.

But each motorcycle insurance review I had to send these in, apart from licence check code.

I never had to show my licence when I put a bike on the road again.

[aaronjb]

I'm not sure that your scenario would hold water in court, aaron, because they accepted the premium and the attendant risk. If they had any objection they should have refused the premium.
They can't have it both ways!

Ron.

You'd hope, yet my insurer has a statement on their phone line that states something like:

"If you fail to tell us of something that could affect your insurance quote we may treat your insurance as though it never existed"

[LC0112G]

While I admire that approach, have you ever had to fight in court to get an insurance payout? I can only imagine them using your failure to provide the details they request as a "reason to treat your insurance as null & void".

It's the broker asking for a photocopy of the license so they don't have to pay to access the database. The insurer already has access to all the info on the license once you tell them your driver number, plus they have access to the MIB database listing all accidents and previous claims.

I'll happily produce my licence and passport as proof of identity if required by a court to prove I've been telling the truth. However, if you want a copy of them, it's £1000 per item.

And I've still got the old style paper (no photo) driving license.

[LC0112G]

"If you fail to tell us of something that could affect your insurance quote we may treat your insurance as though it never existed"

This only applies to a claim made by you (first party). How much do you think they're going to offer you for a 15 year old Omega?

The insurance company must by law pay out to a third party - they cannot invalidate that part of your insurance after the event. They probably will come after you for the money if they think you have lied/misled/failed to disclose something that may affect the premium on the application form.

[aaronjb]

How much do you think they're going to offer you for a 15 year old Omega?

I'd be surprised if they were offering me anything.. they'd be even more surprised if I was trying to claim for one when I don't own one

[Andy B]

......
The insurer already has access to all the info on the license once you tell them your driver number,  ......

Pretty sure I've never provided that either. 

I once had a 3 way phone call between my insurer, DVLA & myself to verify my licence details during a claim

[Field Marshal Dr. Opti]

Is a licence required by law to drive a motor car or motor bicycle on a public highway?

I must look into this.

[TheBoy]

I've had to show similar for bike insurance, but not for car.

If its a condition when the policy was taken out, you don't have a leg to stand on if you don't provide the details, and then try a claim.  If you didn't read the small print or listen to the recorded message, you have the standard cooling off period to cancel and pick an insurer not demanding this.

[Lazydocker]

Some policy types require it

[Sir Tigger KC]

Yep I recently was asked for this for a new policy. 

[Migv6 le Frog Fan]

Probably trying to collect data from their customers so they can sell it on. 

[aaronjb]

Probably trying to collect data from their customers so the government can surveil them

Fixed that for you

[redelitev6]

Had to give my licence number when i insured my car recently

[Gaffers]

Stick to cycling, then you don't need a license 

*sits back and grabs popcorn*

[STEMO]

Stick to cycling, then you don't need a license 

*sits back and grabs popcorn*

Nor insurance.

[STEMO]

In fact, you can just jump on and wobble your way through central London. Not for long, though. 

[TheBoy]

Stick to cycling, then you don't need a license 

*sits back and grabs popcorn*

Nor insurance.

Or common sense.

[Gaffers]

I was expecting better ... c- at best chaps.

[STEMO]

I was expecting better ... c- at best chaps.

There was no jesting at all on that one. Sorry if you're disappointed, Matt.