Why Compare TT99 Car Insurance?
Most Standard Insurers May Decline After a TT99
A totting-up disqualification tells insurers you accumulated 12 or more points from multiple offences. This pattern of convictions makes many mainstream providers unwilling to quote. Clean Green Cars introduces you to specialist brokers who work with providers experienced in covering drivers returning from a totting-up ban.
Your Premium Could Vary Enormously
The length of your ban, the number and type of underlying convictions, and how recently the ban ended all affect your quote. Comparing through Clean Green Cars connects you with brokers who understand how these factors interact across their panels.
Specialist Brokers Handle TT99 Every Day
Rather than being declined by comparison sites, one form through Clean Green Cars introduces you to brokers who regularly place cover for drivers with totting-up bans. This could save weeks of searching and reveal options you would not find alone.
Car Insurance With a TT99 Conviction At A Glance
- TT99 is the code for a totting-up disqualification after accumulating 12 or more penalty points within 3 years.
- Specialist brokers work with insurers experienced in covering drivers returning from a driving ban.
- Your premium could be significantly higher at first but may reduce as you build a clean driving record after the ban.
- Comprehensive, TPFT and third party cover could all be available through specialist brokers after your ban ends.
- Fill in the form above to compare quotes from specialist brokers who handle TT99 totting-up cases.
What Is a TT99 Conviction?
TT99 is the DVLA endorsement code for a totting-up disqualification. It is applied when a driver accumulates 12 or more penalty points on their licence within a 3-year period. Under section 35 of the Road Traffic Offenders Act 1988, the court must impose a minimum 6-month driving ban when this threshold is reached.
The length of the ban depends on your history. A first totting-up ban is usually 6 months. If you receive a second ban within 3 years of the first, it is usually 12 months. A third within 3 years is usually 24 months. The court may reduce the ban if you can demonstrate exceptional hardship, but this is at the court’s discretion.
TT99 is different from other conviction codes because it does not represent a single offence. It is the result of multiple endorsements building up over time. Insurers view this as evidence of a pattern rather than an isolated mistake, which is why convicted driver insurance through specialist brokers is usually the best route.
| Penalty | Details |
|---|---|
| Penalty Points | N/A (TT99 is the disqualification itself, resulting from 12+ points) |
| Driving Ban | Minimum 6 months (12 months for second ban within 3 years, 24 months for third) |
| Maximum Fine | No separate fine (fines attached to individual offences) |
| Time on Licence | 4 years on licence from date of conviction |
| Spent After | 5 years from date of conviction |
Can You Get Insurance With a TT99?
A TT99 results in a minimum 6-month driving ban. After the ban ends, the TT99 stays on your licence for 4 years from the date of conviction. Under the Rehabilitation of Offenders Act 1974, the conviction becomes spent 5 years from the date of conviction. You must also declare the individual convictions that led to the totting-up.
You must declare your TT99 and all underlying convictions for as long as your insurer asks, which is usually 5 years from the end of the ban. Your insurer will want to know the ban dates, the code, and the details of the underlying offences. Failing to declare could invalidate your cover.
Specialist brokers who work with convicted drivers every day know which insurers accept TT99 totting-up cases. Clean Green Cars introduces you to these brokers, so you could compare quotes from providers experienced with post-ban insurance.
A TT99 stays on your licence for 4 years from the date of conviction. Most insurers ask about convictions from the last 5 years. Once you pass that 5-year window, your options tend to open up and prices could start to come down.
The key advantage of a totting-up ban is the clean slate. All your existing penalty points are removed once you have served the disqualification. This means you return to the road with zero points, which could work in your favour when comparing quotes.
Specialist brokers who work with convicted drivers every day know which insurers accept TT99 endorsements. Clean Green Cars introduces you to these brokers, so you could compare quotes from providers experienced with totting-up convictions.
Who Needs TT99 Car Insurance?
Standard insurers often decline to quote after a totting-up ban. New drivers face a lower 6-point threshold for totting-up during their first two years. Here is who typically benefits most from comparing TT99 car insurance through specialist brokers.
Returning After a Ban
Your ban has ended and you need cover before you can drive again. The first policy after a totting-up disqualification is always the hardest to find. Specialist brokers could source cover from providers who accept returning drivers.
Approaching 12 Points
You are close to the totting-up threshold and dreading the consequences. Specialist brokers could help you find cover now that accounts for the possibility, and advise on next steps.
Complex Driving History
Your TT99 sits alongside other serious endorsements. A complex record needs a broker experienced with high-risk cases who could present your situation to the right providers.
Won Exceptional Hardship
The court allowed you to keep driving under exceptional hardship. You need an insurer who accepts this. Specialist brokers know which providers cover exceptional hardship cases.
Declined by Standard Insurers
Mainstream insurers have declined to quote after your TT99. That feels like a dead end, but specialist brokers work with panels designed for drivers returning from disqualification.
Worth Knowing: Clean Green Cars introduces you to brokers who regularly work with insurers that consider drivers returning from totting-up bans. One form reaches multiple specialists who understand your situation.
What TT99 Car Insurance Covers
A TT99 on your licence does not change what your policy is designed to cover. It changes how much you pay and how many providers will accept your application. Van drivers can compare convicted driver van insurance.
Here is what each level of cover could include. Please note that policy features, benefits, terms and conditions vary among insurance providers, so always check the policy wording.
| Feature | Comprehensive | Third Party, Fire & Theft | Third Party Only |
|---|---|---|---|
| Damage to other vehicles and property | Included | Included | Included |
| Injury to other people | Included | Included | Included |
| Fire and theft of your vehicle | Included | Included | Not included |
| Accidental damage to your vehicle | Included | Not included | Not included |
| Windscreen and glass cover | Usually included | May be included | Not included |
| Personal belongings cover | Usually included | Not usually included | Not included |
Cover Tip: Even after a totting-up ban, comprehensive cover could be available through specialist brokers. Do not assume you are limited to third party only without comparing all options.
What TT99 Car Insurance May Not Cover
After a totting-up ban, accurate disclosure is critical. One undeclared detail could mean a declined claim. If your car was seized during the ban, impound release cover may help. Here is what TT99 car insurance usually does not cover.
- Undeclared convictions or ban - If you do not declare your TT99 or the underlying convictions when asked, your insurer may decline a claim or invalidate your cover.
- Driving while disqualified - If you drive before your ban has officially ended, your policy will not cover you.
- Driving under the influence - Claims arising while you are over the legal alcohol or drug limit are typically excluded.
- Undeclared vehicle use - If you use your vehicle for purposes not declared on your policy, a claim could be declined.
- Undeclared modifications - Undeclared vehicle modifications could invalidate your cover. Always inform your insurer about changes.
- Driver restrictions - Some post-ban policies apply stricter driver age and experience restrictions. Check your policy terms carefully.
- Wear and tear - Gradual deterioration, mechanical failure, and general wear are not covered under motor insurance.
- Racing and track use - Using your vehicle for racing, rallies, or track days is excluded unless you have specific cover.
Optional Cover Add-Ons
Your standard policy is designed to cover the basics. These extras could fill gaps that matter more when returning to driving after a totting-up disqualification.
May help cover roadside assistance and recovery if your vehicle breaks down.
May help cover legal costs if you need to pursue an uninsured driver or dispute a claim. Subject to policy limits.
May help prove safe driving habits and could lead to lower renewal premiums over time.
May provide a temporary replacement while yours is being repaired after a covered claim.
May help cover replacing lost or stolen keys and locks. Subject to policy limits and conditions.
May help retrieve your vehicle if it has been seized. Useful if returning to driving after a ban.
What Affects the Cost of Car Insurance with a TT99 Conviction?
Your quote depends on the length of your ban, the number and type of underlying convictions, and how recently the ban ended. Riders can compare convicted driver motorbike insurance separately. Here are the key factors.
| Key Factor | Impact on Your Price |
|---|---|
| Ban length | A 6-month ban could attract a lower loading than a 12 or 24-month ban. Longer bans suggest a more serious or repeated pattern of offending. |
| Underlying convictions | The type of offences that led to your TT99 matters. Speeding convictions may attract a lower loading than drink-driving or dangerous driving codes. |
| Time since ban ended | A TT99 where the ban ended recently could attract a higher loading than one from 3 years ago. The impact reduces as your clean record builds. |
| Total previous convictions | If you have convictions beyond those that caused the totting-up, the combined picture could push your premium higher. |
| Vehicle type and value | Higher-value vehicles cost more to insure, especially after a disqualification. Consider a modest vehicle to keep costs down. |
| Where you live | Urban areas with higher traffic density and crime rates could mean higher premiums alongside a TT99. |
| Driving experience | Newer drivers with a TT99 could face significantly higher quotes. Previous years of clean driving before the ban help. |
| Security measures | Approved alarms, immobilisers, and trackers could help reduce your premium after a disqualification. |
Price Insight: The type of underlying convictions matters. A TT99 from speeding offences may attract a very different loading than one involving serious endorsements. Specialist brokers can explain how your specific history affects pricing.
Ways to Cut Your Car Insurance Cost
A TT99 could push your premium up significantly, but there are practical steps that could help bring it down as you rebuild your driving record. A telematics policy could help demonstrate safe driving after your ban. Here are some ways to cut what you pay.
Compare Through Specialists
Standard comparison sites rarely cover TT99. Specialist brokers access panels designed for drivers returning from bans. Start comparing above.
Consider Telematics
A black box could prove safe driving after your ban. Good data could help reduce your premium at renewal.
Build a Clean Record
Each claim-free, conviction-free year after your ban demonstrates change. Your premium should reduce noticeably as you rebuild your record.
Choose a Modest Vehicle
A lower-value, lower-group vehicle could cost less to insure after a TT99. Avoid high-performance cars that signal higher risk.
Increase Your Voluntary Excess
A higher excess could cut your premium. On a heavily loaded TT99 policy, the saving could be significant. Make sure you can afford it.
Park Securely
A locked garage or driveway could help reduce your premium. After a serious endorsement, secure parking matters more to insurers.
Pay Annually If You Can
Monthly instalments include interest, which adds up fast on a higher-than-average premium. Paying upfront could save you a meaningful amount.
Saving Tip: Losing your licence to totting-up is not the end of the road. Your options improve every year you stay clean. Specialist brokers know which insurers take a fresh look at drivers returning from a ban. Compare above.
How to Compare TT99 Car Insurance Quotes
Getting quotes after a TT99 takes a specialist approach. Here is how it works. Get started above when you are ready.
Fill in the quote form
Enter your details, vehicle information, and TT99 conviction details including ban dates. Start at the top of this page.
Get matched with brokers
Clean Green Cars introduces you to specialist brokers who handle totting-up disqualification cases.
Receive your quotes
Brokers search their panels for providers who accept TT99 convictions and send you their options.
Compare and choose
Review the quotes, check cover levels, and pick the policy that fits your situation and budget.
Get covered
Once you choose, your broker handles the paperwork so you can get back on the road legally.
What Our Expert Says
Reaching 12 points and losing your licence is one of the most stressful experiences a driver can face. A TT99 does not mean you are a dangerous driver - it means minor offences accumulated. Three speeding tickets over 3 years, each feeling minor at the time, and suddenly you are facing a ban that affects your job, your family, and your independence.
TT99 is the code for a totting-up disqualification after accumulating 12 or more penalty points within 3 years. The standard ban is 6 months, though it can be longer for repeat totting-up. The court may allow you to keep driving under exceptional hardship, but this is at the judge's discretion.
After your ban ends, finding insurance is the next challenge. Specialist brokers deal with totting-up cases regularly. The key factors they assess are the types of underlying convictions, how long the ban lasted, and how recently it ended. A TT99 from speeding offences is viewed very differently from one involving more serious codes.
Co-founder of Clean Green Cars
Common TT99 Car Insurance Questions
What is a TT99 conviction?
Totting-up disqualification after accumulating 12 or more penalty points within 3 years.
How long is a totting-up ban?
Usually 6 months for a first totting-up. Longer bans apply if you have been disqualified in the previous 3 years.
Can I get car insurance after a TT99?
Yes, through specialist brokers. Mainstream insurers often decline, but specialists know which providers accept drivers returning from bans.
How long does a TT99 stay on my licence?
Four years from the date of conviction. Most insurers ask about the last 5 years.
Do I need to declare the underlying convictions too?
Yes. Insurers usually ask about all endorsements, not just the TT99. Declare everything honestly.
Will TT99 insurance be expensive?
Higher than average at first, but your premium should reduce as you build a clean record after the ban.
What is exceptional hardship?
A legal argument that losing your licence would cause exceptional hardship – beyond normal inconvenience. If successful, the court may allow you to keep driving.
Do my points reset after a totting-up ban?
Yes. Points that led to the disqualification are wiped after the ban. You start with a clean slate.
Can I get comprehensive cover after a TT99?
Possibly. Specialist brokers could source comprehensive cover even after totting-up. Always compare all three levels.
What happens after I submit my details?
A specialist broker contacts you directly with quotes. There is no obligation to buy.
Related Disqualification and Special Codes
TT99 is the totting-up disqualification code. If you drove during your ban, you may also have a BA10 (driving while disqualified) endorsement. Other TT and special codes cover different types of disqualification. Here are the related codes.
Search & compare quotes from UK TT99 Car Insurance Providers
Useful Resources
- GOV.UK – Penalty Points – How the totting-up system works and when points expire.
- GOV.UK – Driving Disqualifications – What happens when you are banned from driving.
- DVLA – Check Your Licence – View your current points and convictions online.
- Sentencing Council – Endorsement and Disqualification – How courts handle totting-up and exceptional hardship.
