Hi,
To my mind, a till 70 licence expires of your 70th birthday. Provisional and "disabled" licences, I think, are different. (I retired nearly 40 years ago, so don't rely on my memory.
"Medical" licences might be short term, to ensure that you remain fit to drive. DVLA will pay for any medical report that they require.
From my "off peak" memory cells, provisional motor-cycle entitlement was limited to encourage you to take your test. But I can't remember if that applied if you had already passed a car test.
Check your insurance certificate (not the policy). It used to say that you were insured provided that you HOLD a licence, or HAD HELD a licence, and were NOT DISQUALIFIED. I have memories of reading somewhere, (in the1970s) that MEDICAL DEBARMENT was not the same as DISQUALIFICATION by a court. However, your insurers may go all po-faced if you make a claim, and your licence has expired.. I think they are required to pay THIRD PARTY claims, but they might be reluctant to pay for damages to YOUR "Bandersnatch 90 GT". Your INSURANCE CERTIFICATE covers third Party claims. Your INSURANCE POLICY details their contract with you.
Er .. please do your own researches on the above. I retired 36 years ago, so my knowledge may be out of date. Read the small print on both your driving licence and insurance policy.
I regard driving with an expired licence to be a fairly minor offence ... but you will still get "points". Memory says that "Refusing to take an eye test" was worth one penalty point, and "No insurance" was worth six points.
Me? One speeding ticket, in 1964. 40 MPH over the limit. Pleaded NOT GUILTY. Fined £2, and the Beaks apologised for having to endorse my licence.
602