UK Drivers Risk £1000 DVLA Fine Over Missed Updates

Savings jar containing coins

If you’ve changed address recently and are a UK driver, you need to update the address on your driving licence to avoid a hefty DVLA fine. Failing to do so may cost you £1,000.

Why do I need to renew my licence if I’ve changed address?

If you’re a UK driver in possession of either a provisional or full driving licence and you’ve recently changed address even temporarily, you need to update the DVLA and change the address on your licence. Failure to do so may incur a fine of £1,000. Unlike renewing your licence, changing the address listed is free of charge.

The DVLA requires licences to list accurate, up-to-date residential information in case of accidents.

You must also update the address in your vehicle logbook (V5C) and update the vehicle tax Direct Debit.

If you’re a student, provided that your driving licence lists a permanent home address at which you remain reachable, you do not need to update the address on it.

How often should I renew my licence?

Legally, drivers have to renew their licences every decade, so that the image displayed matches their likeness. Failure to do so can result in a £1,000 fine from the DVLA.

However, drivers should also renew their licence every time they change address in order to avoid the same fine.

Licences can be renewed via gov.uk, where the five-day application process will cost a total of £14. Changing the address on a licence is free of charge.

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Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

What to Expect on Your First Driving Lesson

Woman learning to drive

Learning to drive is one of life’s major milestones. But if you’ve never sat in the driver’s seat before, it can feel overwhelming. Feeling nervous before your first lesson is totally normal, and your instructor will expect it. That said, there are ways that you can soothe those nerves, and one of the best ways to do so is by knowing what to expect on your first driving lesson.

How to prepare for your first driving lesson

It’s sensible to ensure that you’ve got everything you need before you get behind the wheel. This will help calm any butterflies, and also ensure that you’ve covered all the necessary bases.

Remember to always book with a reputable driving school. Ask around your friends to see how they felt about their instructor, and check for online reviews. Be sure that you can dedicate the time to learning to drive, too – there’s no point stopping and starting lessons, as inconsistent practice won’t help develop your confidence or driving proficiency.

Have a provisional licence

Your instructor will check that you have a provisional licence before you set off. These can be applied for on gov.uk, where you’ll fill out the online form before waiting for the licence to arrive in the post.

Get familiar with The Highway Code

You’ll have to pass a theory test before you can take your practical test, and getting familiar with The Highway Code from as early as possible is a great way to give yourself the best possible start. By knowing the legal obligations drivers are required to follow, as well as being confident on road and driving safety and signposting, you’ll be in a better position to nail your driving lessons and theory test.

Be sensible

Consider what you’re going to wear to your lesson. Don’t wear high heels or flip flops to drive, and ensure that you’re comfortable.

It also goes without saying that you should be well rested, wear your glasses or contact lenses (if required), and never be hungover.

What to expect on your first driving lesson

Once you’ve got yourself ready for your first driving lesson, it helps to know what to expect.

It’s completely normal to feel nervous about it all – your instructor will expect this. They are there to guide and support you. And don’t forget that they have their own set of foot pedals, too, so they can always help with the fundamentals like braking and clutch control if you need it. All professional driving schools use dual controlled cars – don’t take a first driving lesson in a vehicle that doesn’t.

When it comes to driving, practice makes perfect, and you’ll find yourself improving in your ability and confidence over time.

You’ll go somewhere quiet

Your instructor won’t expect you to drive from the get-go. They will check your eyesight by asking you to read a number plate, as well as your provisional licence. From there, your instructor will drive you to a quiet road where you can familiarise yourself with the fundamentals.

You’ll learn the cockpit drill

You’ll need to learn how to adjust items like your seating, steering, mirrors, and headrests so that you are supported, have easy access to controls, and a clear view of the road.

From there, you’ll likely be guided through the car’s functions, becoming more familiar with how to use the handbrake, gears, steering wheel itself, and the clutch. You’ll likely also be introduced to basics like use of your windscreen wipers and the car’s heating and cooling systems.

You will drive safely

Getting to grips with clutch control and use of the brakes and accelerator is best done via practice. Your instructor will encourage you to take your first drive – but don’t worry, you won’t be hitting any high-pressure roads just yet. You’ll learn how to safely move off and stop, and may use the ‘Prepare, Observe, Move’ routine.

You’ll probably stall, but don’t be embarrassed. It’s your first lesson, and making mistakes is natural. In fact, recovering in a safe, secure manner from a stall is a critical step in learning to safely drive.

Finance your learner car with My Car Credit

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Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

Driving Lessons Prices – What are the Total Costs?

Man having a driving lesson

You may think that the main cost to consider when booking driving lessons are the lessons themselves. Whilst they constitute the main bulk of the expense of learning to drive, there are other outgoings that you also need to consider when budgeting to learn to drive.

How much are driving lessons?

There’s no one figure when it comes to driving lessons costs, because it depends on a range of factors including your age, where you live, and the quality of the driving school, as well as whether you’re willing to book an intensive driving course, which can work out cheaper overall.

If you live in London, you can expect the prices of driving lessons to be higher compared to more rural areas. Expect to pay an average of around £30 a lesson, but different driving schools will quote their own rates. Remember that buying lessons in bulk may make them cheaper individually.

The DVLA reports that there is no minimum number of lessons or hours necessary in order to learn to drive, although the DVSA suggests an average of 45-47 driving lessons are typical, with extra private practice on top.

Younger learners may need fewer sessions than older learners, resulting in less overall expenditure on the lessons themselves. Ensuring that you’re learning with a reputable driving school means that you know you’re in professional hands, and are more likely to be a safer driver overall.

What are the other costs on top of driving lessons?

Provisional driving licence

You cannot drive on UK roads without a provisional licence, which costs £34 online or £43 via post.

Theory test

You have to pass this before taking your practical test. It costs £23 to book online, and you may want to make use of resources like the DVSA’s Official Theory Test and Hazard Perception Kit app to hone your skills for the test, which costs £15 for a 30-day subscription.

Learner insurance

If you’re learning to drive in another’s car, you should take out learner insurance so that you’re protected in case an accident occurs.

Insurers will price learner insurance differently, and you may benefit from daily, weekly, or monthly packages.

Practical test

On a weekday, a practical driving test will cost you £62, rising to £75 on weekends and bank holidays.

Remember that you may have to retake the test more than once – the pass rate in the UK is only 50%. You may also have to pay for the use of your instructor’s car on the day of the test itself.

Finance your first car

Once you’ve passed your driving test, you’ll need to account for costs like insurance and road tax, as well as financing your first car. Find out your car finance eligibility and see how My Car Credit can help you to safely take to the road in your new wheels by contacting us on enquiries@mycarcredit.co.uk.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!