TT99 Car Insurance
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MultiQuoteTime helps you find affordable TT99 car insurance after a totting up disqualification.
Access a panel of specialist convicted driver brokers — first, second and third TT99 bans covered
What is a TT99 Conviction?
A TT99 is the conviction code applied when a driver accumulates 12 or more penalty points on their licence within any 3-year period, known as “totting up”. Unlike a single serious offence such as drink driving, a TT99 builds up gradually through repeated minor violations. Speeding, using a mobile phone, careless driving, each offence adds points, and once you reach 12 the ban is automatic.
The minimum disqualification for a first TT99 is 6 months. A second disqualification within 3 years carries a 12-month ban, and a third carries 2 years. There is no discretion. Once the threshold is reached, the court must impose the ban unless you can demonstrate exceptional hardship.
The TT99 endorsement stays on your licence for 4 years from the date of conviction, and you must declare it to insurers for 5 years. Failure to disclose it when applying for insurance can invalidate your policy entirely, leaving you uninsured and potentially facing an IN10 conviction on top of your existing TT99.
MultiQuoteTime works with a panel of specialist convicted driver brokers who can provide quotes for TT99 insurance, whether it is your first, second or third disqualification.
How does a TT99 affect the cost of car Insurance?
Having a TT99 will raise your future car insurance premiums, car insurance with convictions will become very expensive. This is because this type of endorsement shows to any perspective insurer that you are a driver that does not abide by the highway code and the accepted rules of safe driving in the UK. This is enough to warrant brokers to either not offer you insurance or if a specialist broker provider insurance, but at a cost that will cover their increased risk in providing you with cover.
| Code | Offence | Disqualification | Stays on licence | Declare to insurer |
|---|---|---|---|---|
| TT99 | Totting Up Disqualification — 12+ points in 3 years | Minimum 6 months | 4 years | 5 years |
| TT99 — second offence | Repeat Totting Up Disqualification within 3 years | Minimum 12 months | 4 years | 5 years |
| TT99 — third offence | Third Totting Up Disqualification within 3 years | Minimum 2 years | 4 years | 5 years |
Common offences that lead to a TT99
A TT99 totting up ban is rarely the result of a single incident. It is the cumulative result of minor motoring offences over a rolling 3-year period. Two mobile phone convictions alone put you on 12 points. A speeding offence combined with a CU80 can get you there just as quickly.
Important: Once you reach 12 points the court is legally required to impose a minimum 6-month ban unless you can successfully argue Exceptional Hardship — a high legal threshold that requires compelling evidence presented to the court.
Can you avoid a TT99 ban? Exceptional hardship explained
When you reach 12 points the court is legally required to impose a minimum 6-month disqualification. However, it is possible to avide the ban entirely by arguing Exceptional Hardship. The court will only accept this argument it where a driving ban would cause hardship that goes significantly beyond the normal inconvenience of losing a licence.
The following are the four scenarios courts most commonly accept as grounds for exceptional hardship:
A ban would directly cause you to lose your job and as aresult you would struggle to support yourself or your dependants.
Your role serves to protect the public, examples incldue a nurse, firefighter or ambulence driver.
A family member with serious health problems relies entirely on you as their driver for medical appointments or daily care.
A disqualification would cause severe disruption to a business you run and would directly impact other employees who depend on it.
Exceptional hardship is not something to attempt without legal advice. The threshold is genuinely high and courts see weak applications regularly — a poorly prepared argument can actually damage your credibility with the bench. If you are approaching 12 points and believe you have grounds, speaking to a specialist motoring solicitor before your hearing date is worth considering. They will know whether your circumstances meet the threshold and how to present the case properly.
Note: Each case is assessed individually. There is no guarantee a court will accept an exceptional hardship argument and the same grounds cannot be used twice in succession.
New drivers: the 6-point zero tolerance rule
If you passed your driving test within the last 24 months, your licence is under a probationary period under the Road Traffic (New Drivers) Act 1995. Unlike experienced drivers who face a 12-point threshold, new drivers face automatic revocation if they accumulate just 6 penalty points.
Revocation vs. a driving ban: they are not the same thing
It is a common myth that 6 points equals a 6-month ban. In reality, the DVLA revokes your licence entirely under the New Drivers Act. This is different from a court-ordered disqualification.
Important: The 6 points that triggered the revocation carry over onto your new licence after you retest. Passing your test again does not wipe your record clean.
Why 6 points is easier to reach than you think
With increased camera enforcement and variable speed limits in 2026, the 6-point threshold can be reached in a single incident:
This is one of the most overlooked options I see new drivers miss. If you are facing points that would take you to 6 within your first two years, speaking to a specialist motoring solicitor before your court date is worth considering. A short disqualification of even 14 days is often far preferable to revocation under the New Drivers Act. With a ban, you serve the time and get your full licence back. With revocation, you lose your full licence, have to retake your theory and practical tests, and the original points still carry over onto your new licence.
TT99 fact sheet: ban lengths, costs and disclosure
Everything a driver needs to know about the practical and financial consequences of a TT99 totting up disqualification in one place.
| First TT99 | Minimum 6 months |
| Second TT99 | Minimum 12 months |
| Third TT99 | Minimum 2 years |
| Stays on licence | 4 years |
| Declare to insurer | 5 years |
| Points threshold | 12 in any 3 years |
| Premium increase | Significant |
| Mainstream insurers | May decline |
| Specialist brokers | Available |
Important: The licence and disclosure periods are different. Your TT99 leaves your driving licence after 4 years but you must still declare it to insurers for 5 years from the conviction date. Failure to declare an unspent conviction can invalidate your policy entirely.
Take steps to reduce the cost of TT99 insurance
Your premiums will not always be as high as when you first received a TT99 conviction. After a period of 5 years you will no longer need to notify any prospective insurance provider and if you have kept a clean record your premiums will return to pre-conviction levels. In the interim you can consider taking the following actions to get a cheaper quote.
Agree to park your vehicle off-road in a garage or driveway with a gate. Overnight location is one of the key factors insurers use to calculate your premium.
Add a tracker and additional safety devices that are insurance approved. Thatcham-approved devices in particular are recognised by most specialist brokers.
Get multiple quotes from specialist providers of convicted driver insurance. Pricing varies considerably between brokers on TT99 cases.
If you are currently driving a car in a high insurance category, consider swapping to a lower category. A car in insurance group 7 or lower can make a meaningful difference to your premium.
Agree a higher voluntary excess amount. Remember this will be your responsibility should an accident occur and you are found to be at fault. Only increase the excess to a level you could comfortably pay.
A dashcam policy is worth considering as some specialist convicted driver brokers will offer a reduced premium if a dashcam is fitted and recording. It provides evidence in the event of an incident and demonstrates a commitment to responsible driving.
Need help finding TT99 Insurance?
Getting comparative car insurance quotes after being disqualified by a tt99 conviction is easy. All you have to do is click or tap the Get Quotes Button, and you will be able to compare quotes from a panel of specialist car insurance providers in a matter of minutes.
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