While providing a copy of your driving licence and other documents may be a minor hassle, insurers have a legitimate reason for carrying out a DVLA licence check. In fact, ensuring all policyholders provide full and accurate information regarding past convictions and penalties can actually save you money.

How do insurance companies know how much you drive?

The company will ask for your driver’s license number and get your records based on you as an individual, not based on the vehicle’s. Your driving record follows you, no matter how often you change your cars.

Why do you pay more if you drive a lot?

If you commute to work or drive more than the average person, you may need to pay higher insurance rates to account for the extra mileage (More miles equals more opportunies to get in an accident.)

How often do car insurance companies check your driving record?

Car insurance companies check your driving record periodically. What they see could help or hinder the cost of your insurance premiums. Knowing the frequency in which car insurance companies check your record and what you can do about can help you dramatically.

Where can I Find my Car Insurance records?

In addition to state records requests, insurers can also order a driver’s motor vehicle report through various risk solutions companies that have access to state records and even car insurance claims records. The most popular company that offers instant driving record information (for a fee) is LexisNexis.

Why do you need a copy of your driving record?

Getting a copy of your driving record — including your accidents and tickets — will help you get more accurate car insurance quotes. Many or all of the products featured here are from our partners who compensate us.

What happens if you have a bad driving record?

If an insurance provider finds that you have a bad driving record, you could be considered a high-risk driver and see that reflected in your auto insurance rate. Auto insurance carriers use this kind of extensive research to determine if individual risks fit into the companies’ risk appetite.