TT99 Totting Up Insurance

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TT99 Conviction Insurance

Drivers who accumulate 12 or more penalty points on their driving licence within a three-year period may receive a TT99 conviction. This is known as a 'totting up' ban and can result in a disqualification from driving for a minimum of six months. The TT99 endorsement is recorded on your licence and remains there for four years from the date of conviction.

What is a TT99 Conviction?

A TT99 endorsement is issued when a driver exceeds the legal limit of penalty points, also known as 'totting up.' Each driving offence carries a certain number of penalty points, and reaching 12 points triggers an automatic ban unless mitigating circumstances are accepted by the court. This conviction is serious, as it indicates multiple driving infractions within a short time frame.

Consequences of a TT99 Conviction

  • Driving Ban: The most immediate consequence is a disqualification from driving, typically lasting six months, though longer bans may apply for repeat offenders.
  • Licence Endorsement: The TT99 endorsement will remain visible on your driving licence for four years, which can affect future driving opportunities.
  • Court Appearances: In most cases, drivers will need to attend court to address the accumulation of penalty points.

Impact on Car Insurance

Having a TT99 conviction significantly impacts car insurance. Insurers view drivers with TT99 endorsements as high-risk, leading to increased premiums. Some insurers may refuse coverage altogether, making it essential to seek specialist insurance providers.

  • Higher Premiums: Insurance costs can rise substantially as TT99 indicates repeated driving infractions.
  • Limited Options: Mainstream insurers may decline to offer coverage, requiring drivers to find specialist convicted driver insurance providers.
  • Disclosure Requirements: Drivers must declare their TT99 conviction to insurers for the duration it remains on their licence, as failure to do so could invalidate any claims.

Finding Affordable Insurance After a TT99 Conviction

Securing affordable insurance after a TT99 conviction can be challenging but not impossible. Specialist convicted driver insurance providers can tailor policies to meet your needs while helping to manage costs. Comparing quotes and demonstrating improved driving behaviour, such as completing a driver awareness course, can also help reduce premiums over time.

Tips for Convicted Driver Insurance

Do I have to declare my conviction?

In short, yes. Without exception insurers will ask you about previous convictions so you must disclose them. If you don't your insurance will technically be invalid, which could lead to a further IN10 conviction for no insurance.

How long do I have to declare convictions for?

This will vary from insurer to insurer, so make sure you declare everything relevant. If in doubt it's best to declare too much as the insurer should disregard anything not relevant.

How long do convictions stay on my licence for?

Convictions will stay on your licence for either 4 or 11 years, depending on the offence. Offences that stay on your licence for 11 years are only visible to insurers for 5 years. For full information see the government website.

Don't buy unnecessary extras

You'll no doubt be offered a host of policy extras by your chosen insurer. Whilst some extras provide great value, don't pay extra for cover you won't use.

Renew your policy in good time

It may seem counter intuitive, but research suggests insurers can offer discounts to customers who are organised. People who leave renewing their insurance until the last minute could be disorganised and always in a rush, which could theoretically translate into riskier behaviour like leaving repairs until it's too late.

Don't auto-renew

It's always worth comparing prices every year to make sure you're getting the best possible deal. If you use our service we will send you a reminder to shop around.

How to Save £s on Convicted Driver Insurance

In 3 simple steps, taking less than 2 minutes, you can search a wide range of some of the most trusted providers in the UK. You can also tailor the policy to ensure it covers you for what you need.

1
Tell us about you

Enter your personal information, name, address, occupation, etc – this tells the market who you are and where you live.

2
Provide your requirements

What are you looking to cover, the vehicle, who will drive it and how far will you drive. You can also select the level of cover – Comprehensive or Third Party, Fire and Theft? Do you want Protected No Claims Bonus or not?

3
Choose the right policy

Review the results and tailor your cover – once the market has quoted your policy, you can amend cover to your own needs. Higher or lower excess? Legal Cover? Breakdown? This can all be amended before selecting your desired policy.

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