Insurers see a TT99 conviction as a high-risk driving issue. This is because it shows repeated rule-breaking, not just one incident. This has a major impact on availability and cost of insurance.
What Is a TT99 Conviction?
A TT99 conviction happens when a driver gets 12 or more penalty points in three years. This is known as the “totting up” system.
The key point is this:
- TT99 is not an offence itself
- It’s a marker that multiple motoring offences have occurred
- It usually results in a driving ban, unless exceptional hardship is proven
The offences that lead to TT99 can include:
- Speeding
- Using a mobile phone while driving
- Failing to comply with traffic signals
- Driving without due care and attention
- Insurance or licence-related offences
Why Insurers Treat TT99 Differently From Other Convictions
Insurers do not just price based on what you did, but how often you did it.
A TT99 conviction tells insurers three things:
- Repeated non-compliance
You received penalties but continued to commit offences.
- Increased claims risk
Drivers with multiple convictions are more likely to have a higher likelihood of claims.
- Behavioural risk, not situational risk
A TT99 suggests a pattern of behaviour rather than just a one-off mistake.
From an underwriting view, a TT99 is more worrying than individual offenses. This is true even for some that seem more serious.
TT99 vs Individual Driving Convictions
A driver with six or nine points from one or two offences may still be acceptable to mainstream insurers. A driver with a TT99 conviction will often find it harder to get cover.
Why?
- The insurer cannot isolate the risk to one situation
- There is no clear indication behaviour has changed
- Previous penalties did not prevent further offences
- This is why many standard insurers automatically decline TT99 applications, regardless of the specific offences involved.
How Long Does a TT99 Conviction Stay on Your Record?
A TT99 conviction:
- Stays on your driving licence for four years
- And insurers usually require disclosure for five years.
- This distinction matters. Even after the points no longer show on your licence, insurers may still ask if you have ever had a TT99 conviction within their disclosure period.
Failure to disclose can invalidate your policy, even if the conviction is no longer on your licence.
Can You Get Insurance With a TT99 Conviction?
Yes, but not usually through standard comparison sites.
Drivers with a TT99 typically need Convicted Insurance or specialist non-standard insurers. These providers:
- Assess risk manually
- Look at the full offence history
- Focus on recent driving behaviour
The idea of “cheap insurance” changes after a TT99. The priority becomes valid cover that will pay out if you need it.
Can You Reduce the Cost of Insurance After A TT99?
You cannot remove a TT99 conviction early, but you can reduce perceived risk.
Insurers respond positively to:
- Clean driving since the conviction
- Lower mileage
- Modest vehicles in low insurance groups
- No car modifications
- Higher voluntary excess
Your Next Steps…
A TT99 conviction is not about one mistake, it represents an ongoing behaviour. That is why insurers treat it seriously and why access to standard insurance becomes limited.
Understanding what a TT99 actually represents helps set realistic expectations and reduces the risk of invalid cover. The right approach is targeting insurers who assess your current risk, not just your past record.
With that being said, Insurance Revolution is here to help you find cover at a competitive price.
