Co-op Insurance analysis of DVLA data shows millions need to sort it out this year
New figures reveal that millions of UK drivers need to take action in 2026. Co-op Insurance explained that Freedom of Information data it obtained from the DVLA indicates that over half a million motorists in Britain could currently be driving without a valid licence.
The member-owned company’s research found that nearly 300,000 driving licence photocards that expired between July and December 2025 have yet to be renewed. Furthermore, over 210,000 entitlements to drive that expired during this period are still awaiting renewal.
Moreover, almost 2.7 million driving licence photocards are due to expire this year, whilst more than two million licence holders’ entitlement to drive is also set to end in 2026. Co-op said the findings underscored how licence renewal can be overlooked by drivers, often unintentionally, despite the legal and financial risks of failing to keep documentation current.
Driving licence renewal regulations
Legally, both full and provisional driving licence holders must renew their photocard every 10 years, meaning those who received one in 2016 will now be due for renewal, but those aged 70 and above must renew every three years. The cost of renewing a licence is £14 when applied for online.
The expiry date can be located in section 4b of a photocard licence, while column 11 on the reverse of a driving licence shows the date from which a driver’s licence for a class of vehicle expires and this typically aligns with an individual’s 70th birthday.
Driving with an expired driving licence or photocard is against the law and those caught with an out-of-date driving licence could be hit with a fine of up to £1,000 and receive between three and six points on their licence.
Additionally, driving with an invalid licence could result in police seizing the vehicle and even prosecution. Having a lapsed licence could invalidate a driver’s insurance, leaving them liable for any damage or injury should an accident occur.
Indeed, with car insurance claims potentially reaching tens of thousands, those who drive with an invalid licence could also face a substantial financial impact, Co-op said its own data suggested.
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 motorists to check their driving licences to ensure that they’re in date, as they will face significant penalties if their licence is found to be invalid.
“We would also remind people that if your licence has expired, it could invalidate your insurance and lead to any claims you make being declined.”
Moreover, in 2025, the DVLA issued over 930,000 replacement driving licence photocards to drivers. This was due to a variety of reasons, including those reported as stolen, defaced, or destroyed, as well as those declared lost. Replacing a full or provisional driving licence photocard costs £20 and can be done online, by phone or by post.
