My problem is that I have a full UK licence - but I (and my wife) had to give them up (no idea where they are) 20 years ago to get a Swiss license. SO I always use my Swiss one when driving here (never been stopped) and my wife (who also has Thai one but let it lapse) uses hers.
My worry is that the insurance on the car is not valid if her (Thai) license is expired. Again she hasn't been stopped recently but breezily reckons the Swss one is good (where are not here full-time yet). OK pay the 400 baht expired licence fine - but what about insurance? And am I insured in our car wtih a non-Thai licence?