TT99 is the code that appears on a licence after a totting up disqualification. It means twelve or more penalty points were accumulated within three years and the court imposed a ban, usually of at least six months.
It is one of the hardest endorsements to insure around, and not for the reason most people expect.
Why insurers treat it more harshly than a single offence
A TT99 does not describe what you did. It describes how often.
A driver with one serious conviction can be presented as someone who made a significant mistake. A driver with twelve points has, by definition, come to official attention repeatedly over a short period, and insurers price that pattern rather than any individual offence.
The underlying offences stay on the record too. A TT99 sitting above three SP30s is a different proposition from a TT99 built from one incident, and a specialist insurer will want to know which it is.
How long it affects you
The TT99 endorsement remains on your licence for four years from the date of conviction.
Insurers generally ask about convictions over a five year period, which means the endorsement can still be relevant to a quote after it has come off the licence itself. Answer what is asked rather than assuming the two timescales are the same.
Getting back on the road
Once the disqualification period ends, you apply to have your licence returned. For longer bans, or where the court orders it, you may need to retake your test before driving again.
You will then need insurance in place before you drive, and this is where most people discover the comparison sites have stopped cooperating.
Exceptional hardship
It is worth knowing that a ban is not automatic. Courts can decline to disqualify where exceptional hardship would result, which usually means hardship to other people rather than inconvenience to the driver, such as employees who would lose their jobs.
This has to be argued at the hearing, not afterwards, and it is a matter for a solicitor rather than a broker. We mention it because many drivers do not know the option exists until it has passed.
Declaring it properly
Do not be tempted to leave it off a proposal form. A conviction that emerges after a claim allows the insurer to reduce the settlement, refuse it entirely, or treat the policy as though it never existed.
Declaring a TT99 makes cover more expensive. Not declaring it can make cover worthless.
Where to go
Specialist insurers underwrite these cases individually rather than filtering them out.
Call Alternative Insurance Brokers on 0161 388 2520 and we will place it with an insurer that understands it.
