Many thanks for your answer.
I would appreciate a little more clarity.
I said "In 1999 I elected to have a photocard. About 5 years after that I went to reside overseas (back to my adopted home of Bermuda, where I have citizenship and a Bermuda Driving licence)"
You say "You only have to renew if you have changed your paper licence to the photocard.".
My understanding WAS that a photocard was an OPTIONAL ADDITION to an existing paper licence.
Am I to understand that my photocard actually REPLACES (is a substitute for) my original paper licence?
If so, I think you are saying that the section of the RTA that you quote actually OBLIGES ME to renew my "whole licence" (ie photocard and counterpart)..
I would further comment that, although I am a highly educated and reasonably intelligent person, I find the act to be almost incomprehensible! Furthermore, it seems an unnecessary bureaucratic imposition to have to have BOTH a photocard and a counterpart!