Simply put, ‘totting up’ is the accumulation of penalty points on your driver’s licence. If you build up 12 points within a three year period, you will be issued with a totting or ‘TT99’ ban. The length of the ban is up to the discretion of the court, but they can be lengthy, depending on the nature of the driving offences and how quickly the points were totted up.
It is also worth noting that the rules are different for new drivers, who will be banned if they tot up six points within two years of passing their test. New drivers’ licences will also be revoked if they accumulate six points within their first two years of driving and they will have to retake their test once their ban is spent.
Whether you are a new or experienced driver, it can be difficult and expensive to regain insurance once you have been banned. However, Insurance Revolution specialises in convicted driver insurance, so we can find competitively-priced cover where other brokers can’t. Visit our Totting Up Insurance page for more information.