Car Insurance For Convicted Drivers Tt99
TT99 InsuranceHaving your driver’s license endorsed with penalty points or driving convictions can have a major impact on how much you pay for your car insurance. Even if you have a small number of penalty points, trawling the internet to find affordable car insurance can be stressful and time consuming. It isn’t unheard of for insurers to hike their prices by hundreds or even thousands of pounds once they find out that your driver’s license is no longer clean. Unfortunately it’s even more difficult to find an insurance provider that will offer reasonably priced insurance for a driver that has received a TT99 or “totting up” conviction.
Insurance With A TT99 ConvictionIf you accumulate or “tot up” 12 or more penalty points in a three year period your driver’s license will be endorsed with a TT99 conviction. Drivers that receive a TT99 are also generally handed a driving ban, the length of which depends on the severity of the offence or offences committed and whether or not you have been disqualified from driving before.Once your driving ban has served and you want to start driving again, finding TT99 insurance can be stressful and costly. Once you have committed multiple or serious offences, insurers will perceive you as a high risk driver because statistics suggest that you are more likely to make a claim against your policy.
TT99 Insurance Having your driver’s license endorsed with penalty points or driving convictions can have a major impact on how much you pay for your car insurance. Even if you have a small number of penalty points, trawling the internet to find affordable car insurance can be stressful and time consuming.
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Many mainstream insurance companies will either expect you to pay a much higher premium or even refuse to offer insurance at all.Quote Chief can help you to source affordable cover if you have a totting up conviction or need to find insurance after a driving ban. We have partnered with a network of brokers who offer a wide range of insurance schemes for so called high risk drivers, meaning that you can receive and compare quotes from market leading specialists.
Get Back on The Road After a TT99 Conviction
When you drive inappropriately, you often receive penalty points on your licence. If you receive too many of these, you could get an additional punishment. A TT99 conviction represents a ‘totting up’ of penalty points. If you get 12 or more points on your licence over a three month period, you will have exceeded the number of points you are able to have, and receive a TT99 conviction.
A TT99 conviction can stay on your licence for four years after your last offence. You also need to disclose your TT99 conviction to insurers for five years from the date of your last offence. With a TT99 conviction, you can be banned for between 6 months and 2 years.
When you get a TT99, you might find it harder to get car insurance. This is because insurers view you as a higher risk due to the number of points you have picked up. At Alternative Insurance Brokers, we understand how insurers think about convicted drivers. We get to know you, so that we can understand your particular circumstances.
When we know what you really need your insurance to cover, we can help find you the right kind of insurer. As long as you can disclose all of your conviction history to us, we should be able to find you a policy that suits.
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What other convictions can you cover?
We can cover a range of convictions, resulting from driving with no insurance or licence, dangerous driving, driving under the influence and much more. Click Here to see the full list of convictions that we can cover.How long will a conviction code be on my license?
This will depend on the type conviction that you have. The minimum requirement is 4 years, but it can be up to as much as 11 years. Click Here for full details.Is there a limit on convictions?
There is no limit on the number of convictions you can have on your licence, or non motoring convictions. As long as you have a valid license we will be able to look at getting you a quote.I have non motoring convictions, do I still need to declare them?
Yes – all convictions, whether motoring ones or not, need to be declared. All policies are carried out with a DVLA check, so any that are not disclosed to us will be added too.I have pending convictions that may or may not be added, do I still have to declare them?
Yes – any convictions that may be added on need to be declared too. If it turns out they won’t be added, then your premium will be adjusted accordingly.Get A Quote
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