TT99 Insurance

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What is TT99 Insurance?

TT99 insurance is specialist insurance, tailored to drivers who have received a number of driving convictions, such as drink driving, dangerous driving, or driving without insurance.

After accumulating a large number of points, drivers will struggle to get a typical car insurance policy, that’s where a specialist broker can step in to help.

“TT99” is a code in the UK used on driving licences to denote a driver who has accumulated 12 or more penalty points within a three-year period. This code is specifically related to the offense of ‘totting up’, where points from different driving offenses are added together. A TT99 endorsement often results from a totting up ban, which occurs when a driver accumulates 12 or more penalty points within three years, leading to disqualification.

If you have received a driving ban, you will need to have served that ban before you can apply for insurance quotes.

Compare TT99 Insurance Quotes

We know how difficult comparing policies can be. That’s why our trained team are here to help you find dedicated brokers who want to quote you.

Our service is free and impartial with no obligation to buy.

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What our Comparison Expert Says

‘Have you totted up points and got a TT99 conviction? Naturally it will be harder for you to find a policy on the aggregator sites with that type of conviction. Our brokers will help you get round that and find a policy that insures you properly whilst also trying to save you money!’

- Michael Tribe

How our process works

We’ve worked hard to refine our process and keep it as quick, easy and simple as possible for our customers.

Complete Our Quick Quote Form

Provide us with a small amount of information on our quick and easy form. If you don’t want to fill out our form, simply give us a call instead and 1 of our agents will do it for you!

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We look at your individual needs and find you brokers who can save you the most and offer you the best value for money.

You Receive TT99 Insurance Quotes

You’ll receive multiple quotes tailored specifically to your own insurance needs.

You Save Money

Once you have all the quotes you’d like, you pick the right policy for you at the best price.

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Who Needs TT99 Car Insurance?

TT99 car insurance is specifically needed by convicted drivers who have received the TT99 endorsement on their driving license. This endorsement is given to drivers who have accumulated 12 or more penalty points within a three-year period. Here are key points about who needs TT99 car insurance:

Drivers with a TT99 Endorsement: Any driver who has been penalized with the TT99 code for accumulating too many points due to traffic offenses within a specific period must seek TT99 insurance.
High-Risk Profile: These drivers are considered high-risk by insurance companies because the accumulation of points suggests a history of multiple driving offenses or serious breaches of road safety laws. The driving history of these convicted drivers, marked by multiple offenses, significantly impacts their ability to secure standard car insurance policies.
Post-Disqualification: The TT99 code remains on a driver’s license for four years from the date of the last offense that led to disqualification. Even after serving a driving ban, these drivers will need TT99 insurance to get back on the road legally.
Legal Requirement: In the UK, it is a legal requirement to have at least third-party car insurance to drive a vehicle on public roads. This applies equally to drivers with a TT99 conviction.
Difficulty in Finding Standard Insurance: Due to their high-risk status, TT99 drivers often face challenges in securing standard car insurance policies and usually need to approach insurers specializing in high-risk profiles.

A TT99 policy is a necessity for drivers who have been labelled as high-risk due to accumulating excessive penalty points. It’s crucial for these individuals to seek appropriate insurance coverage, as driving without insurance is illegal and can lead to further penalties and complications.

What Does TT99 Insurance Cover?

Policies typically cover the same basic areas as regular car insurance. The price of your quote will depend on what you want from your insurance.

Due to the nature cost nature of surrounding a TT99, a good number of drivers opt for Third Party Fire & Theft in order to reduce costs. Some drivers who have a premium vehicle, however, will often still opt for a fully comprehensive policy, depending on the offerings of their insurance provider.

Is TT99 Insurance Expensive?

TT99 insurance is very often more expensive than a regular car insurance policy, making it challenging to find cheap car insurance for drivers with a TT99 conviction due to the increased risk associated with insuring a driver with a conviction for a serious driving offence.

However, the cost of TT99 insurance can vary greatly depending on factors such as the driver’s age, the type of vehicle being insured, and the nature of the driving conviction. Different car insurance providers have varying policies regarding high-risk drivers, so it is crucial to compare quotes to find the best coverage at an affordable price.

Some insurance providers may also consider the driver’s rehabilitation and any steps they have taken to address their driving habits.

It is important to compare quotes from multiple insurance providers to find the best coverage at an affordable price. Some insurers may specialise in providing coverage for high-risk drivers, so it may be helpful to work with a specialist broker to find the best options for your needs.

Get Cheap TT99 Insurance

Here are some tips for getting more affordable TT99 insurance:

Some insurers may specialize in providing coverage for high-risk drivers, so it may be helpful to work with a specialist insurance broker to find the best options for your needs.

Compare Quotes

Compare quotes from multiple insurance providers. Comparing quotes from different insurance providers is the best way to find an affordable policy that fits all of your requirements.

Consider a Higher Excess

Opting for a higher excess can reduce your monthly or annual insurance premium.

Improve On Your Driving Record

Taking steps to address any issues that led to your driving convictions can help demonstrate to insurance providers that you are a responsible driver, potentially resulting in lower premiums.

Improve Your Credit Score

Improve your credit score. A good credit score can have a positive impact on your insurance premium, so it is important to maintain a good credit history.

Fit a Black Box

Consider a black box policy. Some insurance providers offer black box policies, which monitor your driving habits and reward good driving with lower premiums.

Combine Policies

Insuring multiple vehicles or combining your car insurance with other policies, such as home insurance, can result in discounts from some insurance providers.

Use a Specialist Broker

A specialist broker who has experience working with high-risk drivers may be able to help you find the best coverage options at an affordable price.

Frequently Asked Questions

What Impact Does A TT99 Conviction Code Have On Your Drivers Licence?

When it comes to insurance, having a TT99 code on your driving license can significantly impact your ability to obtain car insurance. Drivers with a TT99 endorsement are often considered high-risk by insurance companies, which can lead to:

1. Higher Premiums: Insurance providers may charge higher premiums to TT99 drivers due to the increased risk of future claims.
2. Limited Options: Some insurers may refuse to cover drivers with a TT99 endorsement, limiting the available options for these drivers.
3. Specialized Insurance Providers: TT99 drivers might need to approach specialized insurance companies that offer policies for high-risk drivers.
4. Increased Excess: Higher excesses might be imposed, meaning the driver will need to pay more out of pocket in the event of a claim.
5. Required Disclosure: It’s essential for drivers to disclose a TT99 endorsement when applying for insurance. Failure to do so can invalidate a policy.

What Is The Difference Between Regular Car Insurance And TT99 insurance?

Eligibility: Regular car insurance is available to most drivers, while TT99 insurance is specifically designed for drivers with a serious driving conviction on their record.
Premiums: TT99 insurance premiums are typically higher than regular car insurance premiums due to the higher risk posed by drivers with a conviction on their record.
Coverage options: TT99 insurance policies may offer fewer coverage options compared to regular car insurance policies, as insurance providers consider drivers with convictions to be a higher risk.
Underwriting criteria: Regular car insurance providers use a variety of factors to determine the cost of coverage, including age, driving history, and more. TT99 insurance providers may have stricter underwriting criteria, considering only the specifics of the conviction in question.
Claims process: The claims process for regular car insurance and TT99 insurance is generally similar, with the policyholder making a claim and the insurance provider covering the costs of repairs or medical expenses, as outlined in the policy. However, the claims process for TT99 insurance may be more rigorous, as insurance providers consider drivers with convictions to be a higher risk.

What Are The Benefits of TT99 Insurance?

Cover for high-risk drivers. TT99 insurance provides coverage options for drivers who have received a conviction for a serious driving offence and may struggle to find coverage through traditional insurance providers.
Legal compliance. Insurance is required for drivers who have been convicted of a serious driving offence. If you want to remain legally compliant and continue driving, insurance is required.
Tailored cover. Your quote will be written by an underwriter. Because of this, greater tailoring can be applied to your policy.
Flexible payment options. Many insurers offer flexible payment options. These usually include monthly or annual with a discount often available for annually paid policies.
Insurance for your own vehicle. Where opting for a fully comprehensive policy, your own vehicle will also be insured.

What Causes 'Totting Up'?

The totting up system, also known as the “totting up” or “totting up procedure,” is a process used in the UK to keep track of drivers who have received multiple driving offences within a specified period of time.

If a driver accumulates 12 or more penalty points within a three-year period, their driving licence will be automatically revoked, and they will be disqualified from driving. The totting up system is designed to promote road safety and discourage dangerous driving habits. After a period of disqualification, the driver may reapply for their licence and retake their driving test.

How Long Does a TT99 Conviction Stay On Your License?

A TT99 conviction code will stay on your licence for 4 years from the date of your last offence. After 4 years, your conviction will be considered spent and will be removed. Once it is spent, you will no longer need TT99 Insurance.