Sales Support

As per the government requirements, Driving licences must show an individual’s legal name. In the event it does not, reasons given below, the alternative proof is required in order to continue processing the proposal. This ensures the correct information is supplied for a credit check, and will reduce hold ups at payout.

If the drivers licence doesn’t match, then a copy of the passport will be required at the time of payout.  The drivers licence is required to be a legal name, as per the DVLA

Permissible scenarios and proofs allowed:

Marriage - Copy of Marriage Certificate

Divorce – copy of Decree Absolute/Nisi

Recent change of legal name for other reason – Copy of Deed Poll

Old style paper drivers licence, where address still valid, and customer has not updated name, will be allowed. If the address on the licence does not match, then a new drivers licence will be required and we cannot proceed until provided.

Bank details- if differ would need to be in the legal name and match passport, or other proofs as above.

Proof of signature will be required in the legal name.

If the customers driving licence is missing or expired, we require a copy of a valid passport or shotgun licence alongside a PDF copy of the DVLA/DVA check showing a full UK driving licence to be uploaded into the payout portal.

To complete a DVLA/DVA check onsite, please follow the link.

Below are a few common examples we often see;

• Medical reasons (If DVLA/DVA check shows the customer has an expired full licence and Section 88 applies to them, please ask for a letter from a medical professional confirming the customer is fit to drive)
• A driving ban
• For points to be added
• Expired
• Misplaced

NON UK DRIVING LICENCES.

If a customer’s driving licence is from a country outside of the EU we are able to proceed if the customer has been in the UK for less than 12 months.

If the customer has been in the country for more than 12 months we are unable to proceed until the customer can provide a full UK driving licence.

An EU driving licence is acceptable, please find the list of EU and EEA countries defined by the DVLA.

If the customer’s DL is in their maiden/previous name please contact the underwriting team as this will need to be reviewed with an underwriter.

In addition to the driving licence we may also require a marriage certificate (or Decree Absolut) and proof of signature or bespoke letter from customer for payout. This will be confirmed by the underwriter in the FAMOS notes.

If the address on the licence matches the current address on FAMOS, we can proceed as normal.

If the address is completely different on driving licence compared to FAMOS then it’s not valid. We will require a DVLA/DVA check to be completed and valid Passport or a shotgun licence.

If the postcode is slightly different due to post office changing the address we are happy to accept this.

If the customer has just passed their practical test it is fine to proceed if there is a copy of the Passport and a copy of the Practical Test Pass Certificate.

If there is only a Provisional Driving Licence we require a test booking confirmation as well as a guarantor who holds a full valid UK licence.

Provisional bike licence- If the customer is a young rider and they only have a Provisional licence, we can proceed on the presentation of a CBT Certificate. Many older bike riders will be covered under their motor vehicle licences but will still need to provide a CBT certificate if they are purchasing a bike.

If the address on the customers driving licence does not match the addresses proposed for the customer in FAMOS (current or previous)

Please send an email to addinfo@bmwfin.co.uk with the address details found on the driving licence. Please note once completed, we will update the notes in FAMOS within 4 hours of the request with next steps.

If the proposal has been submitted for Payout with a driving licence address differing to FAMOS, this address will be automatically reviewed and the Payout journey will continue as normal.