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What constitutes a full UK licence


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Last week i received my van insurance renewal which had went up from £220 to £445...

 

I went on line & found the same cover for £325 so i contacted my insurer (Budget)....I wanted to know why my premiums had doubled....They waffled on not giving me the answer i was looking for but said because i had been with them for a couple of years they would reduce my premiums to £335 which i accepted...

 

When i downloaded my documents i noticed that my medical condition ( Diabetes)..wasnt mentioned & neither was my 3 year restriced licences....Today the renewal insurance came in for my car ( £258 )....So i thought i would call Budget & ask about the omission of my medical details & at the same time get a quote for my car.....

 

I first i brought up the medical details & as soon as i mentioned the restricted licences they put me on hold for 11 mins when they came back they said their underwriters had refused to accept my restricted licence...EH...i asked why & the lady said because i had ticked the box saying i had a full UK licence..as far as i was concerned i did as i always thought a full UK licence was the next step up from a provisional licence....But no Highway the underwriters have decided that if your licence is restricted for whatever reason its not a full UK licence....Ive been left feeling like im being penalised because im diabetic....

 

Theres was nothing in the documents fine print which explains what constitutes a full UK licence.....Fortunately i went to Adrian Flux & got both vehicles covered on a multycar policy for £500 & when i downloaded the documents i saw that they said i had a full UK licence aswel as my licence being restricted to 3 years

Edited by honeybee13
Paras.
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Last week i received my van insurance renewal which had went up from £220 to £445...I went on line & found the same cover for £325 so i contacted my insurer (Budget)....I wanted to know why my premiums had doubled....They waffled on not giving me the answer i was looking for but said because i had been with them for a couple of years they would reduce my premiums to £335 which i accepted...When i downloaded my documents i noticed that my medical condition ( Diabetes)..wasnt mentioned & neither was my 3 year restriced licences....Today the renewal insurance came in for my car ( £258 )....So i thought i would call Budget & ask about the omission of my medical details & at the same time get a quote for my car.....

I first i brought up the medical details & as soon as i mentioned the restricted licences they put me on hold for 11 mins when they came back they said their underwriters had refused to accept my restricted licence...EH...i asked why & the lady said because i had ticked the box saying i had a full UK licence..as far as i was concerned i did as i always thought a full UK licence was the next step up from a provisional licence....But no Highway the underwriters have decided that if your licence is restricted for whatever reason its not a full UK licence....Ive been left feeling like im being penalised because im diabetic....Theres was nothing in the documents fine print which explains what constitutes a full UK licence.....Fortunately i went to Adrian Flux & got both vehicles covered on a multycar policy for £500 & when i downloaded the documents i saw that they said i had a full UK licence aswel as my licence being restricted to 3 years

 

A full UK licence isn't a provisional licence.

 

You can hold a full UK licence that is valid for 3 years (medical reasons), rather than the default of until 70th birthday.

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Inever said a full licence was a provisional....I said i always thought a full licence was the next step up from a provisional...But you have confirmed what i thought so thanks for that

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Inever said a full licence was a provisional....I said i always thought a full licence was the next step up from a provisional...But you have confirmed what i thought so thanks for that

 

I never said you said a full was a provisional, but the insurers seem to be confusing "3 year (medical) licence" vs "licence to 70" with

"full" vs. "provisional", and the 2 are different issues.

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I never said you said a full was a provisional, but the insurers seem to be confusing "3 year (medical) licence" vs "licence to 70" with

"full" vs. "provisional", and the 2 are different issues.

 

Well what did you mean....When you said ...Quote ..A full UK licence isnt a provisional licence ?

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Well what did you mean....When you said ...Quote ..A full UK licence isnt a provisional licence ?

I meant the insurers have confused the issue.

 

But, by all means start to try to argue with people trying to contribute, I'm sure it will make it all the more likely others will wish to help / contribute .....

Good luck.

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I meant the insurers have confused the issue.

 

But, by all means start to try to argue with people trying to contribute, I'm sure it will make it all the more likely others will wish to help / contribute .....

Good luck.

 

 

Bazza I really think you have taken this the wrong way mate, the OP did just quote what you said so you much see where there confusion is, I don't think the OP was trying to start an argument at all

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Well what did you mean....When you said ...Quote ..A full UK licence isnt a provisional licence ?

 

I think he is saying that everything other than a provisional is a full license ??

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For the avoidance of doubt, I think

A) it is those insurers (or their agents who took the call) who are wrong

B) their error is in confusing "class of licence, full or provisional" with "duration of licence, 3 years or until 70"

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