TT99: Insurance After A Totting Up Ban
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- Affordable policies and cost-saving tips
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- Compares the market saving time and money
TT99: Insurance After A Totting Up Ban
Come back to driving with affordable totting up insurance
A TT99 conviction can feel like the end of driving. Even when the ban finishes, the cost of insurance after a conviction can feel prohibitively expensive. This is why Arma specialise in providing affordable insurance for convicted drivers so you can get back on the road after a totting up ban.
We learn from our mistakes, but sadly insurers focus on statistics when pricing their policies. Those with convictions are considered high risk, and consequently, insurers charge high premiums to protect themselves. At Arma, we help previously convicted drivers to get back on the roads as safe drivers by providing specialist insurance that’s affordable and understands unique customer circumstances.
Arma, first choice
- Specialist insurance quotes without rejections
- Affordable policies and cost-saving tips
- Friendly and accessible customer support team
- Compares the market saving you time and money
- Conviction experts who understand your situation
What is totting up insurance?
Totting up insurance is specialist insurance that supports drivers who have received a driving ban after receiving more than 12 penalty points on their driving licence. Usually, totting up bans occur after a driver receives multiple convictions within a three-year period. In some cases, the driver may have held multiple convictions, which means a specific convicted driver insurance policy may not be relevant.
Totting up bans can occur with a range of offences, such as speeding, drink driving or failing to obey traffic signals and police requests. A driver may have received a previous conviction that carries a certain amount of points, and then further convictions increase the number of points on a licence. When the number of points added together exceeds twelve points within three years, the driver will receive a driving ban.
With totting up, it is not just a ban that drivers may receive. Depending on the severity of the conviction, a driver may receive a fine or prison sentence.
How to find the best totting up insurance quotes
Insurance can be a challenging hurdle once a totting up ban is served and a driver is permitted to drive again. Many insurers refuse to offer policies to those who have received a totting up ban. This is why working with specialist providers who focus on this area of insurance can be the place to find the best deals.
Arma works with a carefully selected panel of trusted and well-rated insurers that specifically cater to convicted drivers and offer totting up insurance policies. We’ll search across our panel to find the best insurance quotes for your needs. No more refusals. No more time spent going from insurer to insurer to find the best quote. We’ll compare quotes for you and find the best deals out there for a hassle-free way to get back on the road.
Insurance with a TT99 endorsement
A TT99 is the specific penalty code used when a driver receives a disqualification after totting up points on their driver’s licence. A TT99 conviction will be on your licence for four years following the date of the last offence. Insurers are able to see this conviction for this time period in your driving history, and you are obliged to declare convictions when purchasing car insurance.
Insurance after a driving ban
The driving ban that accompanies a TT99 endorsement can vary. If this is the first driving ban you’ve received, the disqualification may last six months. However, if you’ve been disqualified from driving before, it is more likely you’ll receive a ban that lasts over a year. Multiple driving bans could result in a two-year disqualification or longer, depending on the severity of the convictions.
It is possible to receive twelve points on your licence and not receive a driving ban in exceptional circumstances. In this case, the driver must make a submission of exceptional hardship. This would mean that a driving ban could cause wide hardship to the driver and their family. Situations that may be approved in special circumstances could include:
A driving ban would mean you lose your job and you’re unable to support yourself and your family
Driving is an essential part of your role that serves to protect the public, such as in the fire brigade or ambulance service
A family member with serious health problems relies on you as a driver
A disqualification could create severe disruption in a business and impact other employees.
It is important to remember that each situation is different, and there is no guarantee to avoid a totting up ban.
Saving money on totting up insurance
Unfortunately, due to the increased risk that comes with a conviction, insurance premiums will be higher. However, it is possible to secure the best possible price so that you’re able to resume driving. Arma work with providers who offer affordable insurance for convictions. However, we also offer specific insurance options which can help to lower premiums.
For example, a dashcam policy can help lower premiums, as can undertaking driver rehabilitation training, speed awareness courses and driving improvement lessons. Our team is here to talk through all of the available options to help you get the best value deal on your totting up car insurance.
If you’re struggling to find affordable totting up insurance, Arma can help scour the market to find you the best deals with specialist TT90 insurance. Chat with our team or get started with a quote today.
Frequently Asked Questions – Car Insurance After a Totting Up Ban
What exactly is a totting up ban (TT99)?
A totting up ban occurs when a driver accumulates 12 or more penalty points on their driving licence within a five-year period. The DVLA imposes a driving disqualification, typically for a minimum of 6 months (longer for repeat offences). The conviction code associated with this is TT99.
Can I get car insurance after receiving a TT99 totting up ban?
Yes, you can still get car insurance, but it will likely be more challenging and expensive than before the ban. Many mainstream insurers may decline to quote or offer very high premiums due to the increased perceived risk. This is where specialist brokers like Arma Insurance can help, as we work with insurers who understand these situations.
Why is car insurance more expensive after a TT99 ban?
Insurers base premiums on risk assessment. A TT99 conviction indicates a history of repeated driving offences, leading insurers to classify you as a higher-risk driver. This higher perceived risk translates directly into increased insurance premiums.
How long do I need to declare my TT99 conviction to insurers?
You are legally required to declare your TT99 conviction to insurance companies for 5 years from the date of conviction (not the date the ban ended). Failure to disclose unspent convictions can invalidate your insurance policy.
Do I need to tell my insurer about the underlying offences?
Generally, you need to declare the TT99 conviction itself. However, insurers may also ask about the underlying offences that contributed to the points total, especially if any were particularly serious (e.g., IN10 – driving without insurance, DR10 – drink driving). Always answer truthfully and fully.
Will using a price comparison website work for TT99 insurance?
While you can try, many drivers with TT99 convictions find that comparison sites return few (if any) quotes, or the prices are extremely high. These sites often cater to standard risks. A specialist broker like Arma Insurance has access to niche insurers and can negotiate on your behalf, often finding more competitive deals than comparison sites for non-standard risks.
What information will Arma Insurance need to provide a quote?
- Your personal information (name, address, age, occupation).
- Your driving history (including the TT99 conviction date and ban length, plus any other points/convictions).
- Details about the vehicle you wish to insure.
- Your driving needs (e.g., annual mileage, usage type).
Do I need to retake my driving test after a totting up ban?
It depends on the court's decision and the circumstances. In many standard totting up cases, you don't need to retake your test. However, the court can order a retest, especially for newer drivers or if there are specific concerns. Always check the details of your disqualification order from the court or DVLA. You will need to reapply for your driving licence before your ban ends.
Are there ways to reduce the cost of my car insurance with a TT99 conviction?
- Choosing a car in a lower insurance group.
- Increasing your voluntary excess (be sure you can afford it if you claim).
- Reducing your annual mileage.
- Considering telematics (black box) insurance, if offered.
- Building up a new No Claims Discount (NCD) once insured.
- Improving vehicle security (alarms, immobilisers).
- Using a specialist broker like Arma Insurance to access better deals.
Why should I choose Arma Insurance for my TT99 car insurance?
Arma Insurance specialises in finding cover for drivers in non-standard situations, including those with TT99 convictions. We understand the market, have strong relationships with specialist underwriters, and are dedicated to finding you the most suitable and competitive policy possible. We take the time to understand your individual circumstances rather than relying on algorithms alone.
Need help finding car insurance after a totting up ban?
Don't let a TT99 conviction keep you off the road. Contact the specialist team at Arma Insurance today for a personalised quote. Call us on 0330 174 4620 or fill out our online quote form.