TT99 Insurance

Each year, thousands of motorists are handed a TT99 conviction for 'totting up'

‘Totting up' is a term used for drivers who have been given 12 or more points on their licence, and this incurs an automatic conviction.

What is a TT99 conviction?

Also known as a ‘totting up ban’, a TT99 conviction occurs when a driver has incurred 12 or more points on their licence over a three year period. If a motorist has a minimal amount of points on their licence it stops them from having a ‘clean’ licence, but it doesn’t tend to affect insurance premiums too much. This does change however, once the motorist hits 12 points.

A driver can be given points on their licence for a wide range of offences. These include:

•   Speeding.
•   Failing to stop at an accident.
•   Driving without due care and attention (i.e. being on a mobile phone).
•   Breach of a traffic sign (i.e. going through a red light).
•   Failure to obey a signal given by a police officer.

The most common reason for having points on your licence is speeding. However, the convictions that make up the points do have an effect on your TT99 car insurance premiums, so it’s important to keep this in mind.

How long will a TT99 conviction stay on my licence for?

A TT99 driving conviction will by law, stay on your licence for four years from the date of your last offence. However, you will need to disclose the conviction to your insurance company for five years from this date. Failure to do this could result in your insurance being deemed invalid, and you could end up with a IN10 conviction.

Will a TT99 conviction increase the cost of my car insurance?

Finding insurance with convictions can be expensive and there are some insurers who won't want to cover you, but at Insurance Revolution we work with insurers who specialise in insurance for TT99 convictions. The way insurers work out their premium is they assess the risk, they want to determine how likely it is that a claim will occur. They take many factors into account, including your driving record. Just like you see your insurance decrease in costs as you grow in experience, insurers often deem that someone with a clean licence will be a lesser risk than a driver with convictions. A TT99 conviction essentially means you have received multiple convictions, so this is why it can affect the price. However, even though your premium will not be as cheap as you were used to before the convictions, we can help you get back on the road and can work with our specialist insurers to find a competitive quote. As well as getting you back on the road, we understand that it can be difficult to pay higher premiums in one go, but we can also offer you monthly payments to help with the financial burden. We can also give you advice on how you can keep your quote as low as possible, for example, lower mileage on your car often results in a lower premium, just as ensuring your vehicle is safe and secure via trackers or even just parking your vehicle off-road could. Your premiums will not always be higher, driving convictions do not stay on your record forever, you can eventually go back to having a clean driving record. For now though, you have found the right place, as here at Insurance Revolution, we are understanding, we can treat you fairly and get you back on the road. 

Why choose Insurance Revolution for your TT99 insurance?

Here at Insurance Revolution, we do things a little differently. We don’t just treat our customers as policy numbers and wave them off with extortionate premiums. We treat each and every one of our customers as individuals, and assess each person’s situation fully. This way we can create a TT99 insurance quote that’s right for you.

We specialise in providing insurance for banned drivers, so get in touch for an affordable TT99 insurance quote today.