What is TT99 Insurance?
TT99 insurance is specialist insurance, tailored to drivers who have received a number of driving convictions, such as drink driving, dangerous driving, or driving without insurance.
After accumulating a large number of points, drivers will struggle to get a typical car insurance policy, that’s where a specialist broker can step in to help.
“TT99” is a code in the UK used on driving licenses to denote a driver who has accumulated 12 or more penalty points within a three-year period. This code is specifically related to the offense of ‘totting up’, where points from different driving offenses are added together.
If you have received a driving ban, you will need to have served that ban before you can apply for insurance quotes.
How our process works
We’ve worked hard to refine our process and keep it as quick, easy and simple as possible for our customers.
Who Needs TT99 Car Insurance?
TT99 car insurance is specifically needed by drivers who have received the TT99 endorsement on their driving license. This endorsement is given to drivers who have accumulated 12 or more penalty points within a three-year period. Here are key points about who needs TT99 car insurance:
- Drivers with a TT99 Endorsement: Any driver who has been penalized with the TT99 code for accumulating too many points due to traffic offenses within a specific period must seek TT99 insurance.
- High-Risk Profile: These drivers are considered high-risk by insurance companies because the accumulation of points suggests a history of multiple driving offenses or serious breaches of road safety laws.
- Post-Disqualification: The TT99 code remains on a driver’s license for four years from the date of the last offense that led to disqualification. Even after serving a driving ban, these drivers will need TT99 insurance to get back on the road legally.
- Legal Requirement: In the UK, it is a legal requirement to have at least third-party car insurance to drive a vehicle on public roads. This applies equally to drivers with a TT99 conviction.
- Difficulty in Finding Standard Insurance: Due to their high-risk status, TT99 drivers often face challenges in securing standard car insurance policies and usually need to approach insurers specializing in high-risk profiles.
A TT99 policy is a necessity for drivers who have been labelled as high-risk due to accumulating excessive penalty points. It’s crucial for these individuals to seek appropriate insurance coverage, as driving without insurance is illegal and can lead to further penalties and complications.
What Does TT99 Insurance Cover?
Policies typically cover the same basic areas as regular car insurance. The price of your quote will depend on what you want from your insurance.
Due to the nature cost nature of surrounding a TT99, a good number of drivers opt for Third Party Fire & Theft in order to reduce costs. Some drivers who have a premium vehicle however will often still opt for a fully comprehensive policy.
Is TT99 Insurance Expensive?
TT99 insurance is very often more expensive than a regular car insurance policy due to the increased risk associated with insuring a driver with a conviction for a serious driving offence.
However, the cost of TT99 insurance can vary greatly depending on factors such as the driver’s age, the type of vehicle being insured, and the nature of the driving conviction.
Some insurance providers may also consider the driver’s rehabilitation and any steps they have taken to address their driving habits.
It is important to compare quotes from multiple insurance providers to find the best coverage at an affordable price. Some insurers may specialise in providing coverage for high-risk drivers, so it may be helpful to work with a specialist broker to find the best options for your needs.
Get Cheap TT99 Insurance
Here are some tips for getting more affordable TT99 insurance:
