Almost 2.3 million UK driving licences are set to expire this year, according to Freedom of Information data obtained by Co-op Insurance from the DVLA. The insurer is urging motorists to check their licences and renew them promptly to avoid penalties and potential invalidation of their insurance.

In addition, nearly 350,000 licences that expired in 2024 have yet to be renewed, with almost 120,000 of those expiring between September and December still pending renewal. Meanwhile, the DVLA was forced to issue more than one million replacement licences in 2024 due to loss, theft, or damage.

Driving with an expired licence can lead to fines of up to £1,000, three to six penalty points, and even vehicle seizure. Co-op Insurance warns that any insurance claims made while driving with an invalid licence could be declined, leaving motorists facing significant financial losses.

Paul Evans, head of motor at Co-op Insurance, said: “Driving is a crucial part of everyday life for so many people, whether that’s for work or leisure.

“Unfortunately, our findings show that many people may be unaware that they’re no longer legally entitled to drive or are at risk of being unable to in the near future, due to their driving licence being invalid.

“We are encouraging our members and customers to check their driving licences to ensure that they’re in date as drivers will face significant penalties if their licence is found to be invalid.

“We would also remind motorists that if your licence has expired, it could lead to any claims you make being declined.”

By law, photocard licences must be renewed every 10 years, while drivers aged 70 and over must renew every three years. The expiry date can be found in section 4b of the licence. Motorists are also required to update their address with the DVLA to avoid further fines.

With insurance claims reaching up to £42,000 in 2024, Co-op Insurance is stressing the importance of keeping licences valid to avoid unnecessary risks.