You need TT99 insurance from a specialist broker because of “totting up” penalty points. These will give you points on your licence. Insurers consider you an increased risk and will up premiums accordingly. To get the best deal on convicted car insurance, you should seek out a specialist broker.
A TT99 endorsement keeps track of the points you have gained. This code must remain on your licence for 4 years from the date of conviction.
If you build up 12 or more penalty points within a period of three years, you’ll be liable to be disqualified under the “totting-up” system. This is shown on your licence as TT99.
Generally, you can be disqualified from driving for:
|Driving Licence Conviction Code||Motoring Offence||Penalty Points||Duration Conviction Stays on your Licence|
|TT99||It shows disqualification under ‘totting-up’ – if the total of penalty points reaches 12 or more within 3 years, the driver can be disqualified||Disqualification Possible||4 Years from the date of the Conviction|
Failure to disclose any conviction is a breach of the law and will invalidate your insurance. Plus, if you are stopped by the police, you will receive a driving ban. This will make finding insurers willing to cover you in the future extremely difficult.
Have you just finished a 3 year ban from ‘totting up’ points on your licence and are now eager to get back on the roads? Because of the repeat motoring offences, It may be difficult to find an insurance provider who will give you a quote. As a specialist insurance broker, we have totting up insurance schemes to help you find affordable policies.
For more handy information for convicted drivers, click here.