TT99 is a DVLA special code showing a totting-up disqualification after 12 or more penalty points count within three years. It is not a separate driving offence.
TT99 is the special code used to record a disqualification under the totting-up procedure. It is recorded when a court disqualifies a driver after their total penalty points for offences committed within three years reach 12 or more.
TT99 is not a separate driving offence. The offences that produced the points have their own codes, such as SP30 or SP50.
For cases in England and Wales, a court must normally impose a totting-up disqualification when 12 or more points count within three years, unless there is a legal ground to reduce or avoid it.
The minimum is normally 6 months if no previous disqualification counts; 1 year if one previous disqualification of at least 56 days was imposed in the three years before the latest offence; and 2 years if more than one such disqualification was imposed. The court may reduce or avoid the normal minimum on grounds including exceptional hardship, but the grounds must be supported by evidence.
A TT99 stays on the driving record for 4 years from the date of conviction. This is set out in GOV.UK’s list of endorsement codes and penalty points.
This record period is not always the same as the time you may need to disclose it for insurance. GOV.UK says adult driving endorsements usually have a 5-year rehabilitation period. A driving ban can become spent when the ban ends, but where there is also an endorsement, the later date may apply. You can check GOV.UK’s guidance on rehabilitation periods and driving convictions.
A TT99 can make car or van insurance harder to arrange. Some insurers may charge more, add terms, or choose not to offer cover. This will depend on the insurer, the date of the ban, the offences behind the points, your claims history, your vehicle, and how you use it.
MoneyHelper says an unspent conviction needs to be disclosed only if the insurer asks about it. A spent conviction does not need to be disclosed, even if asked.
Wrong or missing information can cause serious issues. The Financial Ombudsman Service says insurers may look at whether a customer took reasonable care, whether the question was clear, and what the insurer would have done if it had the right details. This can affect the policy or a claim in some cases, as explained in its guidance on misrepresentation and non-disclosure.
An insurer or broker may ask for:
You can use GOV.UK’s service to view or share your driving licence information. This can help you check points, disqualifications, and licence details before you apply.
Before driving again, you must also have valid motor insurance. GOV.UK says third-party insurance is the legal minimum for driving on UK roads.
We arrange insurance through insurers and work with drivers whose details may not fit a standard online quote. This can include drivers with a TT99 conviction, previous claims, or a low no-claims bonus.
Our TT99 conviction car insurance page explains how we may be able to help drivers after a totting-up ban. We can also help with convicted driver insurance, car insurance, and van insurance, depending on your details.
We cannot promise that an insurer will offer cover. Terms, price, excesses, exclusions, and acceptance can vary. We will ask for clear information so insurers can assess the risk fairly. This supports the FCA’s rule that insurance communications are clear, fair, and not misleading.
A TT99 conviction means you were banned under the totting-up rules. It usually follows 12 or more penalty points within 3 years.
It can affect insurance, but the impact depends on the full picture. The best step is to give accurate details, check what each insurer asks for, and read the policy terms before you buy.
