What Do You Do if You Have Lost Your Provisional Licence?

Close-up of a UK driving licence showing the blue flag with UK initials.

If you think you’ve lost your provisional licence, don’t panic! You can apply for a replacement via the DVLA online, by phone or by post. It’s quick and easy to do, costing around £20. Plus, if you order your replacement online, you should have it within the week.

Below, we’ll outline what to do if you have lost your provisional licence and are based in England, Scotland or Wales. Be aware that if you’re in Northern Ireland, you’ll need to order a replacement licence via NIDirect rather than the DVLA.

How do you replace a lost provisional licence?

If you’ve lost your provisional licence, there are three ways to order a replacement via the DVLA – online, over the phone or by post.

Whichever way you choose, you’ll need to go to the replacement licence service offered by gov.uk

You’ll have to pay a replacement fee. A new licence costs £20, and you can pay via MasterCard, Visa, Electron or Delta debit, or credit card.

You’ll also need to provide some key information when you’re applying, including your national insurance number, UK passport and address history (more on this below). 

If you’re ordering your replacement provisional licence online, you’ll receive it within the week (the delivery time is longer for other options). 

Top tip: Once you receive your replacement licence, take a photo of it. That way, you’ll have the important information readily available in case of future damage or loss.

We’ve put together a handy table to help you compare the best way to order a replacement provisional licence:

 

Online

Phone

Post

How to order a replacement

Replace your lost provisional licence online via the gov.uk website

You can call the DVLA on 0300 790 6801

If you don’t urgently need a replacement licence, order a D1 ‘application for a driving licence’ form via the Post Office or DVLA.

Good to know

If you apply online, you’ll need your Government Gateway ID – if you’ve forgotten this, you can always reset it.

You can only apply via phone if none of your personal details have changed. 


You also can’t use the phone service if your provisional licence is damaged or due to expire within 56 days (90 for medical reasons). 

If you’re ordering via post, your licence can take around three weeks to arrive.

Cost

£20

£20

£20

Delivery time

Within the week

Within the week

Three weeks

 

What information do you need to replace your provisional licence?

If you’ve lost your provisional licence and are ordering a replacement, you’ll need to provide some key information:

  • Full name, address history for the past three years, date of birth
  • National Insurance number
  • Driving licence number
  • UK passport number (if available)

You’ll also need to have the capacity to pay the £20 fee for a replacement licence.

How much does it cost to replace a provisional licence?

The standard fee for a replacement provisional licence is £20, which you can pay via MasterCard, Visa, Electron or Delta debit or credit card.

Note that if the DVLA is responsible for any payment error, you’ll get a free replacement. 

Can you take your driving test without a provisional licence?

No – you can’t take either your theory or driving test without your provisional licence, which serves as legal ID of your eligibility to drive.

If you’ve ordered a replacement provisional licence and aren’t sure it will arrive in time for either your theory or driving test, you can rearrange them via gov.uk

What if your provisional licence is stolen or damaged?

If your provisional licence has been stolen, damaged or destroyed, there are different steps you’ll need to take. 

Stolen: If you’ve lost your provisional licence and know it’s been stolen, you need to inform the police. Provisional licences can be used for identity theft, so it’s essential you report the loss to relevant authorities to prevent any future complications.

Damaged or destroyed: If your provisional licence has been damaged, you’ll need to order a replacement via any of the three measures we outline above. You won’t face any penalties.

Be aware that you’ll need to return the old (damaged or destroyed) licence to the DVLA. If you find your old provisional licence after receiving your replacement, you’ll also need to return it to the DVLA. Send your old provisional licence via post to: DVLA, Swansea, SA99 1AB. You’ll need to give the DVLA information about what has happened alongside your old licence.

How long does it take to get a replacement provisional licence?

If you apply to the DVLA for a replacement provisional licence either online or over the phone, you should typically receive it within a week (seven days).

If you order by post, the wait is longer at around three weeks.

Can you still drive while waiting for your replacement licence?

If you’re taking driving lessons, you do not legally need your provisional licence with you whilst you drive. 

Provided that you meet all learner requirements – have your L plates, insurance and supervision – then your driving instructor may allow you to continue with your lessons whilst you wait for your replacement. 

However, if you are learning to drive, as soon as you know you’ve lost your provisional licence, you need to promptly apply for its replacement.

Lost provisional licence while abroad – what should you do?

If you’ve lost your provisional licence abroad, unfortunately, you cannot apply for a new one until you’re back in the UK. 

If your driving or theory test is booked soon after your return, you may want to reschedule it so that you can be sure you’ll have your replacement licence.

Stay on track with your driving journey

Now you know what to do if you have lost your provisional licence! Thankfully, it’s easy to fix – you can order a replacement licence through the DVLA online, over the phone or through the post. 

Stay on top of your driving goals with helpful advice from My Car Credit. We overview everything from what to expect from your first driving lesson to the best learner cars.

Plus, once you’ve passed your test and are looking to finance a new set of wheels, we can help. We’ve got car finance options for first-time drivers looking to build their credit profiles – use our online car finance calculator to determine your eligibility today.

Lost your provisional licence? Frequently asked questions

Can I speed up the replacement process?

If you’re applying for a replacement provisional licence, the quickest and easiest way to speed up receipt of your replacement is by ordering it online via the DVLA.

Do I need to tell my driving instructor if I’ve lost my provisional licence?

If you’ve lost your provisional licence, you should inform your driving instructor. Provided that they have already seen your licence and you’ve ordered a replacement, they may be okay for you to continue your driving lessons whilst you wait for the replacement’s arrival.

Will losing my licence affect my car insurance?

Securing learner driver insurance requires you to have a legal provisional driving licence. Provided that you’ve applied for a replacement licence, your insurance should be fine – but failure to hold a legal licence can lead to points and a rise in your premium.

Can I still apply for a full driving test if my provisional is lost?

To take a driving and theory test in the UK, you’ll need your provisional licence. If you’ve lost your provisional licence and are waiting for its replacement to arrive, you’ll need to reschedule either test to ensure that you have your licence in hand on the day of your test.

Is there a penalty for losing my provisional licence?

There’s no financial penalty for losing your provisional licence in the UK. You’ll need to promptly order and pay the £20 fee for a replacement, but you won’t face any penalisation for having lost or damaged your provisional licence.

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!

Can I Get Car Finance with a Provisional Licence?

Female learner driver

Car finance is a popular option for all kinds of drivers, not least those getting their first car. But what about buyers who haven’t actually passed their test? There are lots of people out there who want to buy a car ready for the moment they pass or even learn and take their test in a new set of wheels.

In this post, we’ll explain whether you can get car finance with a provisional licence and the limitations in doing so.

Car finance with a provisional licence

The good news for the people mentioned above is that you can get car finance with a provisional licence. The main requirement is that you’re legally able to drive the car you’re buying.

With a provisional licence, that simply means you need someone with you who is over 21 years old and has held their own full licence for three or more years. Or a qualified driving instructor, of course. It’s also worth noting that you’ll need to be at least 17 years old, even though you can apply for a provisional licence once you reach 15 years and 9 months.

Because you haven’t passed your test (and there’s no guarantee you will), lenders may put some limitations on the kind of car they will help you finance – and how much you can borrow. An upper limit of around £25,000 can be expected, although this depends on affordability.

If you want to increase your chances of success or get more freedom when it comes to your car finance options with a provisional licence, consider the following:

  • Joint application – You can apply for joint car finance with someone living at the same address.
  • Guarantor – Getting someone to guarantee your loan will give lenders the reassurance they need.

Talk to our car finance experts

My Car Credit aims to make it easier to get the car you want and need, whatever your circumstances. Check your car finance eligibility online today to get started, and don’t hesitate to contact our team on enquiries@mycarcredit.co.uk if you have any questions.

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!

Can I Buy a Car with a UK Provisional Licence?

Young man happy he can get a car on a provisional licence

Whether you’ve always been a keen motorhead or you just want to get familiar with a particular car prior to taking your test, there are various reasons why learner drivers might want to buy a car before they’ve passed.

Read on as we answer the frequently asked question, “can I buy a car with a UK provisional licence?”

Can you buy a car with a UK provisional licence?

The great news is that yes, you can buy a car with a UK provisional licence. However, the DVLA (Driver and Vehicle Licensing Agency) does have legal obligations for car ownership that must be fulfilled – no matter what kind of licence you have.

As well as ensuring that you have your provisional licence, you must also have your MOT certificate, up-to-date vehicle tax, and your vehicle log book (known as the V5C). You must also ensure that your vehicle is roadworthy and is registered with the DVLA itself.

Remember, that with a provisional licence, you cannot drive the car. You’re only able to do so provided that you are accompanied by someone with a full driving licence, and there must be ‘L’ plates displayed. The insurance must cover both people in the car, too.

Bear in mind that most car finance companies won’t approve a finance deal with a driver who only has their provisional licence. It’s seen as too great a risk.

What car should you buy?

It’s important to go for a car that can get scratched up. Smaller cars with good fuel efficiency and small engines are best – and these also tend to be cheaper to insure.

Do your research on the best kind of vehicles for beginners, and stick to those – don’t dream too big. You may find family or friends selling old models at a discounted rate. As you know them, they’re less likely to deceive you about the car’s quality or safety, and they may offer price reductions if you’re lucky.

Alternatively, you could even look out for the exact car model that you learnt to drive in. That way, you won’t be thrown by any significant changes between the different makes of car.

Why buy a car when you can’t yet drive?

It might seem strange to buy a car when you only have your provisional licence, but there are logical reasons for why you might want to do so.

Insurance

Finding insurance as a new driver can be tricky, and it can be more complex depending on factors like your age and gender too. By purchasing a car whilst you’re still learning, you’re giving yourself time to research the right insurance policy for when you’re hitting the roads without a fully-licensed companion.

Familiarity

As we touched on above, purchasing a car that’s the same as your instructor’s means you won’t be thrown by difference between models and makes. Similarly, if you practice driving in a car with a provisional licence (with a licensed driver also in the vehicle), you’ll be more confident to hit the road on your own once you’ve passed your test.

Your first car after passing

When you pass your test, and your provision licence is swapped for a full one, you may well want to swap your learner car for something a bit nicer too. That’s where My Car Credit can help finance your first car.

Check for car finance without affecting your credit rating, then get a quote that’s tailored to your credit score and affordability. You’ll be able to upgrade your learner car in no time, without breaking the bank!

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!