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Jo C.
Jo C., Barrister
Category: Law
Satisfied Customers: 71132
Experience:  Over 5 years in practice
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I am involved in a claim against my husbands car which I was

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I am involved in a claim against my husbands car which I was driving but have found my driving licence is out of date. Can I speak to someone to give more detail? Ruth XXXXXXX

Thank you for your question. My name is ***** ***** I will try to help with this.
How can I help with this please?
Customer: replied 2 years ago.

I am having an interview with our Insurance Rep because there is a claim.

I don't know what to do about my driving licence. Can I speak to you Jo?


I will send an offer.
Customer: replied 2 years ago.

what questions do you want answered?

I am sorry but the additional services option doesn't seem to be working at the moment so I cannot offer a phone call.
We can communicate online though?
Customer: replied 2 years ago.

yes of course.

What would you like to know about this please?
Customer: replied 2 years ago.

I want to know what to do about my driving licence which was out of date wwhen the accident happened. I do not want to renew it but when I am questioned by the insurance rep I would like to be in a position in which I have done what is necessary.

Well, the plain fact is that you weren't licensed at the time of the accident. That does invalidate the insurance. There is no way of dressing that up really.
You can only be honest with an insurance rep.
They could use this as an excuse to dishonour the claim. They are perfectly entitled to do that. Come what may, you weren't licensed and so they are not liable.
That said, they quite often do not dishonour claims. It depends how much it involves. If it is a fairly low level accident and you are a long standing client then probably they won't in the interests of good business. If it is a ruinous claim then probably they will.
Whether you renew or not at this stage makes no difference although obviously if you don't renew then you cannot continue to drive.
Can I clarify anything for you?
Jo C. and other Law Specialists are ready to help you
Customer: replied 2 years ago.

Can I ask another question?


Yes, go on?