In reply to Tonker:
Even your insurance policy will allow for driving without a licence, as long as there is no reason for disqualification - check the wording. Mine expired at 70, during Covid, and I did not join the queue immediately because DVLA were so busy. 9 months later they were even busier but they did send me a form to fill in. Given that my mate had got his licence renewed within the week by going online I chose to do this. The question about eyesight was couched in such a manner that I felt it necessary to admit to glaucoma or risk £1000 fine. This added another 6 months of forms to fill in with details (I included copies of the last 3 reports from Opthalmology) then a demand for an official DVLA test (which I had to respond to by booking at Specsavers within 14 days or lose any right to continue driving, and they chased me up after 7 days) interspersed by long periods of nothing apparently happening to my application.
In all, 15 months of driving 'unlicenced', but when the new one arrived it had a full 3 years validity, rather than expiring at 73.
Basically it seems the computerised system works well and quickly but once humans get involved, time (on their side) is not of the essence.