Expert Guides & Insurance Insights

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.

If you have a TT99 conviction and need to insure a van or commercial vehicle, the short answer is yes, it is possible. The longer answer is that it is more complex, more restricted, and usually more expensive than standard motor insurance.

Simply put, ‘totting up’ is the accumulation of penalty points on your driver’s licence. If you build up 12 points within three years, you will be issued a totting up or ‘TT99’ ban.

A totting up or TT99 ban is issued when a driver has accrued 12 or more points within three years. A TT99 endorsement must stay on your licence for four years from the date of conviction. The length of a totting-up ban can vary, depending on the discretion of the court and the seriousness of the motoring offences involved.