Compare TT99 Car Insurance – Totting-Up Ban Cover

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  • Find cheap car insurance after a TT99 offence.
  • Compare insurance policies for drivers who have been convicted in the UK.
  • Obtain coverage designed for drivers with TT99 endorsements.

What Is a TT99 Conviction?

A TT99 conviction occurs when a driver collects 12 or more penalty points in three years. This can lead to a driving ban. The ban is part of what is called the totting-up system. The conviction remains on the driving licence for four years from the date of conviction.

Key Facts About TT99 Convictions:

  • Offence: Getting 12 or more penalty points in three years.
  • Penalty: You will be disqualified from driving.
  • Licence Endorsement Duration: Lasts for 4 years.
  • Impact on Insurance: Insurers will consider you high risk.
  • Period of disqualification: This can change based on your past offences.

Drivers who have a TT99 endorsement may receive varying lengths of bans:

  • 6 months – First disqualification after three years.
  • 12 months – Second disqualification after three years.
  • 2 years – Third disqualification after three years.

The seriousness of the offence can change how insurers view the increased risk associated with a driver.

TT99 Conviction Penalties

Conviction Code Offence Penalty Points Driving Ban Endorsement Duration
TT99 Totting-up 12 or more penalty points N/A 6 - 24 months 4 years
SP30 Speeding offence 3 - 6 No ban (unless totting-up applies) 4 years
CU80 Using mobile phone while driving 6 No ban (unless totting-up applies) 4 years
DR10 Drink driving 3 - 11 Minimum 12 months 11 years
IN10 Driving without insurance 6 - 8 Possible ban 4 years

Fact: A TT99 conviction matters, even if the penalty points come from different offences.

How a TT99 Conviction Affects Car Insurance

A TT99 endorsement can make getting cheap car insurance hard. Insurers see it as an increased risk.

  • Higher insurance costs – Costs can increase from 100% to 250% for drivers with a conviction.
  • Limited coverage options – Some insurance providers will not cover TT99 drivers.
  • Tougher conditions – Policies may only offer third-party coverage and not full coverage options.
How a TT99 Conviction Affects Car Insurance

Estimated Insurance Cost Increase for TT99 Convictions

Conviction Type Monthly Premium Before Conviction (£) Monthly Premium After Conviction (£) Percentage Increase
Standard Driver (No Convictions) £40 - £90 £40 - £90 No increase
SP30 – Speeding offence £50 - £100 £90 - £200 80% - 150%
CU80 – Using mobile phone while driving £60 - £110 £110 - £220 90% - 180%
TT99 – Totting-up ban £70 - £140 £180 - £400 100% - 250%
DR10 – Drink driving £80 - £150 £200 - £450 150% - 300%

Fact: Insurers might view a TT99 endorsement as serious as a drink driving conviction. This is because it includes several driving offences.

How Long Does a TT99 Conviction Affect Insurance?

A TT99 conviction stays on a driving licence for four years. But insurers may think about it when giving car insurance quotes for up to five years.

Timeframe Impact on Car Insurance
1 - 4 Years Conviction remains on licence, increasing premiums
4 Years DVLA removes TT99 endorsement from licence
5 Years Some insurers stop considering TT99 convictions in pricing

Fact: Some special brokers offer policies that become cheaper over time. This happens if the driver has a clean driving record.

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TT99 Car Insurance Cover Options

Drivers with a TT99 conviction can choose from different types of insurance coverage:

Level of Cover Best For Cost Impact
Third-Party Only Cheapest legal cover, meets UK requirements £
Third-Party, Fire & Theft Adds theft and fire protection ££
Fully Comprehensive Covers own vehicle and third parties £££

Some insurers ask you to pay more for third-party only insurance. They do this because drivers who have convictions are viewed as a higher risk for making claims.

How to Reduce Car Insurance Costs After a TT99 Conviction

Even with a TT99 endorsement, there are options for drivers to reduce their insurance costs.

  • Compare driver insurance providers – Some companies consider TT99 convictions.
  • Think about black box insurance – Telematics plans monitor your driving and may lower costs.
  • Raise voluntary excess – A higher excess can reduce your monthly payments.
  • Build a good driving record – Avoid more driving offences to gain trust from insurers.
  • Take an advanced driving course – Some insurance providers offer discounts for FCA-approved safety courses.

Tip: Some insurers drop premiums after three years if a driver has no new offenses.

FAQs About TT99 Car Insurance

Yes, insurance costs will increase. The best way to find affordable policies is to compare quotes from specialist brokers.

A TT99 endorsement remains on a driving licence for four years. Insurers may take it into account when deciding on premiums for as long as five years.

A TT99 endorsement means you will lose your driving licence right away under the totting-up system.

The rise in your insurance premium depends on the type of vehicle you have and the conviction code related to it.

To find the best deal on driver insurance, you should look at different policies. Using black box insurance can also help you save money. It is important to keep a clean driving record, too.

Insurers check your driving history to see how risky you are. If you have many convictions, like a TT99 endorsement, your insurance premium will increase. But if you keep a clean record after the date of your last offence, this could help lower your costs as time goes on.

If you have to retake your driving test after losing your licence due to too many points, you must pass the test first to get insurance. There are special insurance brokers who can offer pre-approval. Still, your coverage will start only when you regain your licence.

The Financial Conduct Authority looks after insurance providers. Their aim is to ensure prices are fair and consumers are safe. When you pick the right policy, make sure the insurer is FCA-authorised. This is very important if you need coverage after a dangerous driving conviction or TT99 ban.

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Page last updated on: 31/03/2025

Page reviewed by: Shay Ramani

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