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TT99: Budget-Friendly Insurance After A Totting Up Ban
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 First General 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 First General, 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.
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.
First General 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.
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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:
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A driving ban would mean you lose your job and you’re unable to support yourself and your family
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Driving is an essential part of your role that serves to protect the public, such as in the fire brigade or ambulance service
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A family member with serious health problems relies on you as a driver
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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. First General 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, First General 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.