From the date of conviction, a TT99 code remains on your license for four years. Until it’s considered spent, this must be declared to your insurance. If you don’t, your insurance might be voided, and you could face a new charge of driving without insurance (IN10). Both of these will almost certainly raise your insurance premiums because you are deemed a higher risk.
We don’t believe that your past mistakes indicate your future driving tendencies, thus we treat all drivers equally and without prejudice. Why not see if our car insurance experts can help you save money?
How long do you have to declare a TT99 to insurance?
A TT99 driving conviction will stay on your license for four years from the date of your most recent offense, according to the law. However, you will have to tell your insurance company about the conviction for the next five years. Failure to do so could result in your insurance being declared invalid, as well as a conviction for IN10.
Is TT99 a conviction?
TT99 isn’t a criminal record. Rather, it’s a mark that stays on your license even after the points have been removed. In the United Kingdom, it is mandatory to reveal offenses for insurance purposes even after the disqualification time has expired.
Can you drive with a TT99?
The special code TT99 must remain on a driver’s record for four years after conviction. It shows disqualification under ‘totting-up,’ which means the motorist can be banned if their cumulative penalty points reach 12 or more in three years.
Does being disqualified affect insurance?
It’s likely that after you locate an insurer, your auto insurance rate will be significantly higher than it was before your ban.
Because disqualifications are only given for very serious driving offenses or if you’ve committed multiple minor offenses, insurers will view you as a high-risk driver and hike your rate accordingly. They may also raise the amount of excess you must pay if you make a claim.
Because insurers typically ask about any driving convictions during this time frame, your driving disqualification is likely to effect your vehicle insurance premiums for the next five years.
Is insurance expensive after a ban?
Is it more expensive to insure a car if you’ve been suspended or disqualified? Yes, you will find that your auto insurance costs are normally higher if you have an unspent conviction. Because insurers base their premiums on risk, car insurance for convicted drivers is more expensive.
How long will I get banned for totting up?
What is the duration of a totting up ban? For a totting up ban, a 6-month required period of disqualification is advised.
How many points is a TT99?
Unfortunately, we can only help you if you have been charged with driving without insurance and have not yet appeared in court or been convicted. We are unable to assist you in dealing with your insurance company on your premiums, and the objective of this post is to educate you on how convictions can affect your insurance in the long run.
For many people, learning that they have committed a traffic violation can be a very stressful experience. We frequently defend motorists whose livelihood is wholly reliant on their ability to drive, and while some drivers will undoubtedly be unconcerned with a few penalty points, for others, they can be cause for serious anxiety.
When we speak with potential clients, we tend to focus on the current problem/solution, such as the sort of offense, the potential penalty, and the alternatives we can offer. However, the long-term ramifications of convictions are sometimes overlooked, and they can be just as bothersome as the sentence imposed by the court.
A conviction code is assigned to each conviction a person faces. For example, speeding in a 30 mph zone will result in an SP30. A CU80 indicates that you couldn’t stop yourself from talking on your phone while driving, and an IN10 indicates that you drove without insurance.
What are these codes used for, and how will they affect you in the future? Conviction codes are most commonly used in everyday life by insurance companies to assist you get a car insurance quotation, and this is where the real trouble for people who do not defend their cases begins.
Insurance companies commonly inquire about prior offenses within the last four years, and each blemish on your record will raise your rate. The helpful customer service representative will input the conviction code for each offense into their system, which will (unhelpfully) increase the amount you must pay. Some codes, such as the SP30, have a minor impact on premiums, but others, such as the SP30, might cause your eyes to water.
For the purposes of this post, I’ll use the TT99 problem code as an example of one of the most popular problem codes.
If you’re a speedster reading this, you’re probably already aware of how detrimental these four characters can be if they end up on your license. This article will most likely be of most use/interest/shock to you if you have committed speeding offenses in the past but are still unaware of the code.
When someone is disqualified from driving as a “totter,” that is, when they earn 12 points or more in any 3-year period, the TT99 Conviction Code is used. A driver’s license can have three speeding violations on it, and most insurance companies will disregard them these days. However, when an offense drives you up to 12 points, things start to get a little more serious.
I left all of the parameters the same for my second search, except I entered the TT99 code and searched the list of results for ANY of the companies listed above to compare. Surprisingly, none of the companies named above appeared in the second search I conducted using the same code. That’s not to suggest these firms won’t insure you if you’re already a customer and renewing your policy, but I was looking for a new insurance and none of them seemed interested in getting to know me and my TT99 code.
However, the results I did get (and please make sure you’re seated) are as follows:
For the avoidance of doubt, I’d want to stress out that the quote from Insure Wiser is not a typo. They would charge you nearly NINE THOUSAND POUNDS to insure a ten-year-old Fiesta.
Even the less expensive quotation from “MyMotorQuote” is shocking when you consider that the conviction code is valid for four years.
I went straight to “Swinton Insurance’s” website out of curiosity to see whether I could get a quotation without going through a comparison website. Interestingly, they ask for convictions from the previous 5 years rather than the previous 4, and as soon as I checked the box, a message appeared saying that this quote could not be handled online, so I gave up.
Before delivering a quote, some websites will ask for the code, your breath reading, the length of the ban, the amount of the fine, and how long your inside leg measurement is.
How Can Professional Motoring Solicitors at Olliers Motoring Law Division Help?
As one of the country’s premier motor defense organizations, we have a proven track record of getting the best possible results for our clients, whether it’s successfully defending them at trial or negotiating a lesser punishment with the court.
Our fees may appear to be exorbitant, but we can promise you that we are highly competitive among automotive law professionals, and if we can get you the best possible result, we might save you hundreds of pounds in future insurance premiums.
How much does insurance go up after drug driving?
In the previous five years, all insurance firms have asked if a motorist has had any claims, motoring or other convictions/endorsements. FACT: After a conviction, the average increase in insurance premiums for the next five years is over 100%.
Can you pay to remove points from driving licence?
Apart from not committing an offense in the first place, what more can you do? You won’t be able to erase the points from your license once they’ve been noted; instead, you’ll have to wait until they expire (after 4 years), when the DVLA will automatically delete them.
However, if you obtain a speeding ticket, you may be given the chance to take a speed awareness course instead (if you’re lucky and meet the qualifications). The program allows motorists who have committed minor infractions to take a course in order to improve their driving behavior.
You were caught driving faster than 10% + 2 mph but slower than 10% + 9 mph – in a 30 mph zone, this implies anything between 35 and 42 mph.
Did you know…?
…that despite traffic levels being substantially lower during the epidemic and lockdown periods, 1.09 million people took the National Speed Awareness Course in 2020?
That’s a lot of people that need to be taught about safe driving habits!
Do you want to learn more? The National Driver Offender Retraining Scheme (NDORS) has compiled a comprehensive list of trends and statistics.