TT99 Totting-Up Ban Car Insurance
Compare TT99 Car Insurance Quotes
Specialist cover for drivers after a totting-up ban.
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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 within a 3-year period and the court imposes a mandatory driving ban.
The totting-up procedure is set out in section 35 of the Road Traffic Offenders Act 1988. Unlike DR10 or IN10, TT99 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 a one-off mistake.
The standard ban length depends on your history. A first totting-up ban is usually 6 months. A second disqualification within 3 years of the first typically results in a 12-month ban, and a third within 3 years usually means 24 months.
How To Compare TT99 Car Insurance With SimplyQuote
Three steps, around 10 minutes. You will need your licence number, vehicle registration, the TT99 conviction date, and details of the underlying offences that led to the ban.
Enter your details
Fill in one form with your driver and vehicle details, including the TT99 code, ban dates, and all underlying convictions. The form is built for convicted driver applications, so the questions match what specialist insurers need.
Compare specialist quotes
Your details go to our panel of specialist car insurance companies. Each insurer returns a price based on their own underwriting rules. You will typically see quotes from multiple providers within minutes.
Choose the right cover
Compare prices, excess levels, payment options, and policy extras side by side. Buy online or speak to the broker for help. No obligation to take any quote.
How Much Does TT99 Car Insurance Cost?
A TT99 is one of the most expensive conviction codes to insure. Premiums typically run 50 to 150% above standard rates in the first year after your ban ends. On an average UK premium of around £900, that means paying £1,350 to £2,250 per year until your record improves.
The loading is heavier than a single speeding or no-insurance conviction because TT99 signals repeated offending. Insurers treat it as a pattern of risk, not an isolated incident. The type of underlying convictions matters too. A TT99 built from three speeding offences attracts a lower loading than one involving drink driving or dangerous driving codes.
How does the premium change as the conviction ages?
| Years since ban ended | Typical premium loading | Declaration required? |
| Year 1 | 50 to 150% above standard rate | Yes |
| Year 2 | 30 to 80% above standard | Yes |
| Year 3 | 15 to 40% above standard | Yes |
| Year 4 (TT99 removed from licence) | Near-standard rate | Yes (until spent) |
| Year 5+ (spent) | Standard rate | No |
The TT99 endorsement stays on your licence for 4 years from the conviction date. Under the Rehabilitation of Offenders Act 1974, the conviction becomes spent after 5 years. After that, you no longer need to declare it unless your insurer specifically asks about all convictions regardless of spent status.
How To Reduce TT99 Car Insurance Costs
Seven practical steps can reduce the impact of a TT99 on your premium. The key advantage after a totting-up ban is that your points are wiped, so you return to the road with a clean slate.
Compare through specialist brokers
Standard comparison sites rarely cover TT99 drivers. Specialist brokers access insurer panels designed for drivers returning from bans. The gap between the cheapest and most expensive quote for a TT99 driver can be over a thousand pounds.
Fit a telematics device
A black box insurance policy gives your insurer hard evidence of safe driving after the ban. Telematics can reduce premiums by 15 to 30% for drivers who demonstrate consistently responsible behaviour.
Choose a lower insurance group car
A lower group car costs less to insure, and the saving is amplified when a conviction is loading your premium. Check which insurance groups are cheapest before choosing your next vehicle.
Increase your voluntary excess
Raising your voluntary excess from £100 to £500 can reduce the premium by 10 to 20%. On a heavily loaded TT99 policy, that saving can be substantial. Make sure you can afford it if you need to claim.
Build your no-claims discount from day one
Each claim-free year builds your no-claims discount. After a ban, you may be starting from scratch, but even one year of no claims makes a visible difference at renewal.
Park securely
A locked garage or driveway reduces theft risk, which helps offset the conviction loading. After a serious endorsement, secure parking carries more weight with underwriters.
Pay annually if you can
Monthly payments include interest charges that can add 15 to 30% to the total cost. On a conviction-loaded premium, paying upfront saves more in absolute terms than on a standard policy.
What Is Exceptional Hardship?
Exceptional hardship is a legal defence that allows the court to reduce or avoid a totting-up ban if you can prove that disqualification would cause suffering beyond ordinary inconvenience. The Sentencing Council guidance sets out how courts should approach these applications.
Common grounds include losing your job (where no alternative transport exists), being the sole carer for a dependent, or running a business that depends entirely on your ability to drive. The hardship must be exceptional, not simply inconvenient. Losing the ability to drive to work is not enough on its own unless the consequences are severe.
If the court accepts your argument, it can either reduce the ban or allow you to keep driving. You cannot use the same grounds twice within 3 years. If your exceptional hardship application succeeds, you still receive the TT99 endorsement on your licence.
Do You Have To Declare A TT99 To Your Insurer?
Yes, while the conviction is unspent. The TT99 stays on your licence for 4 years from the conviction date, and most insurers ask about convictions for the last 5 years. You must also declare all the underlying convictions that led to the totting-up ban.
Failing to declare a TT99 or the underlying endorsements is treated as non-disclosure. Your insurer can void your policy, refuse any claims, and record a cancellation against your name. A voided policy makes future insurance far harder to find.
How do you check your driving record?
You can view your driving record online at gov.uk. You will need your driving licence number, National Insurance number, and postcode. Your record shows the TT99 code, ban dates, and all underlying endorsements.
What Happens To Your Points After A Totting-Up Ban?
All penalty points that led to the disqualification are wiped once you have served the ban. You return to the road with zero points on your licence, which is a significant advantage when applying for insurance.
However, the original endorsement codes remain visible on your DVLA record for their standard administrative periods (typically 4 years from the offence date). Insurers can still see them and may ask about them. The clean points slate means you are no longer at risk of a further totting-up ban immediately, but it does not erase the history entirely.
New drivers who have held a full licence for less than 2 years face automatic revocation at just 6 points under the Road Traffic (New Drivers) Act 1995. If you are a young driver returning from a totting-up ban, even a single 3-point offence in your first 2 years after the ban could put your licence at risk again.
How Does TT99 Differ From Other Driving Bans?
A TT99 ban results from accumulated points, not a single serious offence. This distinction matters because insurers assess the type of underlying convictions when pricing your policy.
| Factor | TT99 (totting up) | DR10 (drink driving) | IN10 (no insurance) |
| Cause | 12+ points from multiple offences | Single drink driving offence | Single uninsured driving offence |
| Minimum ban | 6 months | 12 months | Discretionary |
| Points | N/A (result of 12+ points) | 3 to 11 | 6 to 8 |
| Criminal record | No | Yes | No |
| Time on licence | 4 years | 11 years | 4 years |
| Points after ban | Wiped clean | Points from DR10 remain | Points from IN10 remain |
| Typical year 1 loading | 50 to 150% | 100 to 200% | 40 to 80% |
If you have a DR10 drink driving conviction or an IN10 no-insurance conviction as one of the underlying offences that led to your TT99, the more serious code will be the dominant factor in your premium.
What Are The Other TT Conviction Codes?
TT99 is the most common code in the TT family. Other codes cover different types of disqualification. The full list of all driving offence codes is available in our guide.
| Code | Offence | Notes |
| TT99 | Totting-up disqualification | 12+ points within 3 years |
| BA10 | Driving while disqualified by order of court | Separate offence, 6 points |
| BA30 | Attempting to drive while disqualified by order of court | Separate offence, 6 points |
| BA40 | Causing death by driving while disqualified | Serious offence, 3 to 11 points |
If you drove during your ban and received a BA10 alongside your TT99, the BA10 is treated as a separate serious offence and will significantly increase your premium. For other types of motoring conviction, see our main convicted driver insurance page.
What Does TT99 Car Insurance Cover?
TT99 policies offer the same three levels of cover as standard car insurance: third-party only, third-party fire and theft, and fully comprehensive. A TT99 changes how much you pay, not what cover is available.
Comprehensive cover may sometimes cost less than third-party only for convicted drivers. This happens because third-party-only policies attract higher-risk applicants, and insurers price that risk in. Always compare all three levels before choosing.
If you need cover while waiting for your main policy to start, temporary car insurance for convicted drivers can provide short-term cover from 1 to 28 days.
Can You Avoid A Totting-Up Ban?
There are two ways to avoid a totting-up ban: keeping your total below 12 points within the 3-year window, or successfully arguing exceptional hardship in court.
Points only count toward totting up if the offences were committed within 3 years of each other. This is measured from offence date to offence date, not conviction date. If your earliest points are more than 3 years old when the latest offence is committed, they fall outside the window and do not count.
Speed awareness courses are one way to avoid points for minor speeding convictions. If you are offered a course instead of points, taking it removes 3 to 6 points from the totting-up calculation. This can be the difference between keeping your licence and losing it.
Frequently Asked Questions
No. TT99 is a driving disqualification, not a criminal conviction. It does not appear on a standard DBS check. However, the individual offences that led to the totting up may themselves be criminal offences (such as DR10 drink driving), and those would appear on a DBS check separately.
Four years from the date of conviction. Most insurers ask about convictions for the last 5 years, so you will need to declare it for up to a year after the endorsement is removed from your licence.
Yes. The penalty points that triggered the disqualification are wiped once you have served the ban. You return to the road with zero points, giving you a clean slate.
A first totting-up ban is usually 6 months. If you have been disqualified within the previous 3 years, the ban rises to 12 months. A third disqualification within 3 years is usually 24 months.
Yes. Specialist brokers can access comprehensive, third-party fire and theft, and third-party-only policies for TT99 drivers. Always compare all three levels because comprehensive can sometimes cost less.
Yes. Insurers ask about all endorsements on your licence, not just the TT99 code. You must declare every conviction that contributed to the totting up, plus any others that are still within the insurer's declaration window.
Your points start from zero after the ban. You would need to accumulate another 12 points within 3 years to face a second totting-up disqualification. However, a second ban within 3 years of the first carries a minimum 12-month disqualification.
TT99 is a totting-up disqualification from accumulated points. BA10 is driving while disqualified by order of court, which is a separate criminal offence carrying 6 points and a potential prison sentence. See our full guide to driving offence codes for all conviction code definitions.
