What is the totting up system and what is its purpose?

In 1988 Parliament introduced the penalty points system as a deterrent to help prevent drivers from committing motoring offences.

If you are found guilty of a motoring offence, your driver’s license can be endorsed with a number of penalty points. The number of penalty points that you will receive depends on the motoring offence that you have been convicted of as well of the severity of the offence.

Speeding offences typically result in a 3 to 6 penalty point endorsement. If you are issued with a fixed penalty notice you will receive the standard 3 points but more serious cases that are dealt with at a court hearing can result in 6 penalty points on your license.

Other offences such as driving without due care and attention can carry up to 9 penalty points on your driver’s license.

Penalty points will drop off your license after a set period of time passes. The amount of time that penalty points remain on your driver’s license varies depending on the offence they were for. The minimum amount of time that penalty points will stay on your license is 3 years.

The totting up conviction was introduced to stop repeat offenders from accumulating endless penalty points without facing a further punishment for continually breaking the rules.

When is a TT99 conviction used and what is the punishment?

If you receive a total of 12 or more penalty points in any 3 year period the courts will issue an instant driving ban, usually of 6 months.

Once you have served your 6 month driving ban your license will be endorsed with a TT99 conviction that will signify that you have been disqualified for a totting up offence.

The TT99 conviction will remain on your driver’s license for a 4 year period. This means that for four years you will have to declare this conviction to insurance providers until it is spent.

It is not unheard of for TT99 insurance prices to be up to five times more expensive than car insurance for a driver with no convictions. Car insurance with a TT99 conviction is not only expensive but it can often be hard to find a provider that will even offer cover due to the severe nature of this conviction.

How long is the driving ban for totting up/TT99?

There are certain guidelines that are set out for courts for when dealing with motoring offences. The recommended minimum disqualification for a totting up TT99 offence is 6 months. However this is only a guideline and some courts may hand out a reduced driving ban for TT99 convictions if it is proven that a longer ban will cause exceptional hardship.

Under some extreme cirumstances, such as cases involving people who have been previously banned, the courts may impose an even longer ban for totting up convictions.

What affect will a TT99 have on my insurance costs?

Insurance with a TT99 conviction is often more expensive and harder to arrange.  A lot of standard car insurance companies do not offer insurance for convicted drivers. This is because there is a higher perceived risk in covering a driver with previous convictions in their driving history.

If a driver is statistically more likely to be involved in an incident that results in an insurance claim, it stants to good reason that insurance companies will charge a higher premium to cover the additional risk involved.

There are, however, some companies that specialise in offering convicted driver insurance policies. It would most likely pay off financially and save you a lot of time to speak to an experienced broker who can arrange TT99 insurance for previously banned drivers.

Complete our convicted driver car insurance quote form and we’ll get the best TT99 insurance quotes for you today.

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