TT99 insurance after a totting-up disqualification

TT99 and the underlying points are different records

DVLA says TT99 records a disqualification under totting-up rules where 12 or more points within 3 years can lead to a ban. The TT99 endorsement remains on the record for 4 years from conviction. It should not be entered as an extra points award on top of the underlying offences.

Keep the underlying codes, points and dates available. A provider may ask about the ban and about individual endorsements. Do not assume that entering TT99 once answers every question on an application.

Source: GOV.UK / DVLA: Endorsement codes and penalty points · GOV.UK / DVLA: Driving disqualifications

Check what your court order actually requires

GOV.UK gives general ban lengths for repeated totting-up disqualifications, but the court order is the document to check for your own case. This guide does not calculate a ban end date or advise on an exceptional-hardship application.

For a disqualification of 56 days or more, GOV.UK says you must apply for a new licence before driving again. A court can also require a retest or extended test. For a ban under 56 days the reapplication position differs. Use the official instructions rather than a calendar reminder alone.

Source: GOV.UK / DVLA: Driving disqualifications · GOV.UK / DVLA: Apply for a driving licence following a disqualification

Do not confuse TT99 with new-driver revocation

The new-driver rule concerns 6 or more points within 2 years of passing the test. GOV.UK describes applying for a new provisional licence and passing the theory and practical tests again after revocation.

This is not simply a smaller TT99 threshold. If your letter says the licence is revoked, follow the revocation route; if it states disqualification, read the court and licensing requirements for that route.

Source: GOV.UK / DVLA: New drivers: penalty points

Prepare for a comparison after checking entitlement

Check the provider’s wording for bans, endorsements, dates, cancellations and claims. Preserve evidence of any no-claims discount, but do not assume every insurer will accept it after a gap. Ask about the particular evidence and time limits the provider uses.

Compare offers using the same truthful vehicle and use facts. A specialist-product label does not mean guaranteed acceptance, a fixed premium or whole-market coverage. Read the policy’s excess, exclusions and payment conditions alongside the price.

Source: Unlock: Insurance and convictions · Quotezone: Convicted driver insurance

Your checklist

• Find the TT99 conviction date and the court order.
• Keep the underlying endorsement records.
• Check whether licence reapplication or a test is required.
• Verify the actual driving entitlement before driving.
• Ask the provider about NCD evidence rather than assuming it survives.

Questions answered