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Renew photocard driving licence: What if stopped by police before I get new licence?

When I renew my photocard driving licence, which expires in December 2014, do I have to send the photocard AND the paper licence to DVLA?

If so, then I will have nothing in my possession to show to the police if stopped while driving.

The HM Government's website states that the police can fine the driver for not producing a driving licence within 7 days, yet it can take up to three weeks for the new licence to arrive? Can anyone please clarify this?

NB: This is not a renewal due to turning the age of 70. The paper licence doesn't expire till 2016.

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