The need for paper licence is no more

Which Motorbike Gap Insurance

From 2015, drivers and riders of a motorbike can leave their paper driving licence sections at home. Ministers have said recently that moving driving records online could reduce car insurance costs. This allegedly will be complete by the middle of next year and will end the paper equivalent that drivers must keep with their licence.
Insurance companies have already said that due to the scrapping of a licence,  motorists could see their annual premiums fall up to £15 each year. Currently, insurance companies are not able to check traffic offence or licence details when they are selling their policies, which means they have to count risk factors as part of the price, without knowing what is contained on the drivers licence.For example the only information the company will know is what make of car and age the owner is driving, for example Ford,BMW or Suzuki amongst others, and the same with the brands of which share motorbikes and cars such as Honda.

So  how will a licence be checked now ?

The Association of British Insurers has said that the reason premiums are pushed up is because risks have to be taken into account, maybe car drivers or bike riders  do not tell the truth about their speeding points in order to get a lower quotation or they may have made a mistake.
A system that is to be launched by DVLA (Driver and Vehicle Licensing Agency) will let insurance companies access information through the dvla.gov.uk website using a registration number, postcode and national insurance number. Vehicle hire companies will also have reduced overheads through being able to check driver details in this manner, rather than via telephone, therefore discontinuing the need for a drivers licence.
Francis Maude, who is the Cabinet Office minister has said that anybody with a driving licence will be able to use the online database whilst an assisted service will be provided for people who do not have internet, or who find the internet difficult to use, they will be able to get help from a post office, library or call centre,all put into place to help phase out the original driving licence.

 

Mr Maude suggested that most of the 40 million drivers in the United Kingdom would see a fall in premiums. Insurers will be able to price policies a lot more accurately, as nothing will be taken on trust.
Driving records are actually one of 25 public services that are to go digital by next year. Mr Maude claims that the United Kingdom is now the front runner globally, in the online migration of public services. With a drivers licence now going digital along with tax discs, it does beg the question as to whether everything will be digital in the future ? .
The paper equivalent of the photo card licence or driving licence is due to be completely phased out by the end of next year, while it was also proclaimed that the car tax disc would be scrapped aswell.

What does this mean for the future of a licence and the DVLA

The DVLA explained that though some services are not able to be delivered digitally, like assessing a customer’s fitness to drive, the processes supporting delivery of services can be improved, making a better use of digital tools. The DVLA has not ruled out job cuts at the companies Swansea headquarters as this system translates online, though it is awaiting outcomes of a staffing level review, which will be rolled out in June.
At first, the system will check the identity of users by asking for their national insurance number and postcode, though in common with other government services which have gone digital, it will allow people to use their banks system to prove their identity eventually. Clicking an icon will let people complete the check that is required by their mobile phone company, bank or other service provider. This approach would certainly cut the number of passwords necessary for people to remember. Mr Maude said that this drop of the licence appears to be something that is an issue for countries that don’t have a national ID database and ID card system.

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