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TT99Insurance
TT99 Insurance
Disqualified under the ‘totting up’ procedure for reaching 12 or more penalty points? We help you find suitable cover.
Disqualified under the ‘totting up’ procedure for reaching 12 or more penalty points? We help you find suitable cover.
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What is a TT99 conviction?
TT99 is the DVLA code for a ‘totting up’ disqualification, given when a driver accumulates 12 or more penalty points within a 3-year period. It usually results in at least a 6-month driving ban and stays on your licence for 4 years.
“Unlike most convictions, TT99 isn’t about one offence, it’s the total of several smaller ones adding up.”
The right cover depends on:
The offences behind your points totalHow you use your vehicleHow long your ban wasWhether you argued exceptional hardshipWhether you’re still disqualifiedAny convictions since the ban
Is TT99 the right code, or something else?
Is TT99 the right code, or something else?
TT99 relates specifically to totting up, make sure you’ve got the right code.
TT99 relates specifically to totting up, make sure you’ve got the right code.
Banned Driver
For disqualifications from a single serious offence, rather than accumulated points.
Penalty Points
If you have points but haven’t reached the 12-point disqualification threshold.
DR10
If your points included a drink-driving conviction specifically.
Speeding Conviction
If your points came mainly from speeding offences.
Disqualified Driver
General cover for any type of driving disqualification.
Not Sure Which Applies?
Check your exact code and points on your DVLA driving record.
What could go wrong and what covers it?
What could go wrong and what covers it?
The situations drivers with a TT99 totting-up ban worry about most are being refused cover, paying far more than before, and a claim being questioned because the conviction wasn’t declared properly. The right policy deals with all three.
The situations drivers with a TT99 totting-up ban worry about most are being refused cover, paying far more than before, and a claim being questioned because the conviction wasn’t declared properly. The right policy deals with all three.
Is TT99 insurance right for you?
This type of cover may be suitable at any stage after a totting-up disqualification.
This cover may be suitable for:
Recently Disqualified DriversYoung or New Drivers with a TT99Drivers Completing a BanProfessional or Licensed DriversDrivers Returning After a BanOlder TT99s Still on LicenceReal-world scenarios. Real-world cover
Real-world scenarios. Real-world cover
These are the everyday situations we see for drivers with a TT99 totting-up ban, and the cover that responds in each case.
These are the everyday situations we see for drivers with a TT99 totting-up ban, and the cover that responds in each case.
Ban ending soon
Your disqualification period is coming to an end.
What typically happens
Arrange cover in advance for the moment your ban ends
Renewal after disqualification
Your policy is due for renewal after your TT99.
What typically happens
Premium increases, specialist insurer may be needed
Non-disclosure
You don’t tell a new insurer about your TT99.
What typically happens
Policy can be voided entirely
Further offences after the ban
You receive further points soon after your ban ends.
What typically happens
Risk of a longer future disqualification
What affects the cost of TT99 insurance?
TT99 insurance depends on the offences that took you to twelve points, the length of your disqualification, how long ago it ended, your age and the vehicle you want to insure.
The offences behind your points
A mix of serious offences may be viewed differently to minor ones.
Your driving history overall
A clean record aside from the totting-up points may help your case.
How long ago your ban was
More recent disqualifications are generally viewed as higher risk.
Level of cover chosen
Third party, third party fire & theft or comprehensive cover all affect price differently.
Length of your ban
A longer ban can affect how insurers assess your risk once you’re driving again.
How you use your vehicle
Personal or work-related driving can be assessed differently.
TT99 compared to related codes
TT99 compared to related codes
A quick reference, always confirm your exact code and points with the DVLA.
A quick reference, always confirm your exact code and points with the DVLA.
| Code | Offence | Typical penalty | Duration on licence |
|---|---|---|---|
TT99 | Totting up, 12+ points in 3 years | 6 month ban minimum | 4 years |
BA10 | Driving while disqualified by court order | 6 points, ban possible | 4 years |
SP30 | Exceeding the speed limit | 3 to 6 points | 4 years |
DR10 | Drink driving above the limit | 12 month ban minimum | 11 years |
CD10 | Driving without due care | 3 to 9 points | 4 years |
IN10 | Using a vehicle uninsured | 6 to 8 points | 4 years |
How the quote process works
How the quote process works
Simple steps. Expert advice. The right cover for your business.
Simple steps. Expert advice. The right cover for your business.
1
Tell us about your TT99 ban
The date of your totting-up ban, how long it lasted, and the convictions that led to it.
2
Tell us about you and your vehicle
Your age, driving history, and the vehicle you want to insure.
3
We find insurers who cover TT99
Totting-up bans put many insurers off. We approach the specialists who take them on.
4
Insured from day one
We arrange cover to start the moment your ban ends, so there’s no gap.
UK-based specialist advisersAccess to 20+ specialist insurersNo obligation, just expert helpTrusted by thousands of drivers across the UK
Trusted by thousands of drivers across the UK
From a single penalty point to a full disqualification, our customers trust Insurance Revolution to find the right cover and expert support when it matters.
From a single penalty point to a full disqualification, our customers trust Insurance Revolution to find the right cover and expert support when it matters.
TT99 insights & guides
TT99 insights & guides
Practical advice on totting up, disqualification and getting back on the road.
Practical advice on totting up, disqualification and getting back on the road.
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Frequently Asked Questions
Frequently Asked Questions
Find quick answers to common questions about TT99 insurance and totting-up disqualification.
Find quick answers to common questions about TT99 insurance and totting-up disqualification.
TT99 means you were disqualified under the totting-up rules after reaching 12 or more penalty points within three years. The ban is usually at least six months, and the TT99 code stays on your licence for four years.
Still have questions?
Our advisers are here to help you find the right solution.
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