We've Got You Covered with tailored car insurance for previous TT99 convictions.
A TT99 endorsement is given when a driver accumulates 12 or more penalty points on their licence within three years. This results in a driving disqualification, typically for at least six months. Once your ban ends, insurers may see you as a high-risk driver, making it harder to get cover.
At Got You Covered, we specialise in helping drivers with TT99 convictions find the right insurance. We work with specialist insurers to get you back on the road with fair pricing and the coverage you need.
Drivers with TT99 conviction are considered high-risk by insurers, meaning premiums tend to be higher. Factors that contribute to increased costs include:
Increased Likelihood of Claims – Statistically, uninsured drivers are more likely to be involved in accidents or claims.
Legal Consequences – Driving without insurance is considered a serious offence, making insurers cautious about providing coverage.
Limited Insurer Pool – Fewer insurers are willing to offer policies for TT99 convictions, which leads to higher prices.
At Got You Covered, we compare specialist insurers to help you secure the most competitive rates available.
Expertise in Convicted Driver's Insurance: We specialise in finding affordable insurance for drivers with a wide range of motoring convictions.
Competitive Rates: We offer affordable premiums to your experience without compromising coverage. Therefore, you get the best value for your money.
Non-Judgmental Approach: We understand that mistakes happen. Our focus is on helping you move forward and not dwell on the past, ensuring you feel understood and respected.
Flexible Payment Options: We offer a variety of payment plans, including instalment payments, to fit your budget and schedule.
Finding affordable car insurance with a TT99 conviction can be difficult. Most insurers view drivers with multiple driving convictions as higher risk. Got You Covered's specialist car insurance ensures you stay on the road legally without breaking the bank.
Insurers view drivers with TT99 convictions as more likely to make claims because of their history of repeated offences. This perception can lead to higher premiums or even denial of coverage from some insurers. However, a specialist policy from Got You Covered provides options tailored for higher-risk drivers.
If you would like to return to the road after your driving ban, you must have valid insurance. A specialist TT99 policy ensures you meet legal obligations, helping you get back on the road safely and responsibly.
Many mainstream insurers will not offer cover to drivers with a TT99 conviction, reducing your choices. We work with specialist providers to find you the best options available.
Having valid insurance after a TT99 conviction allows you to drive legally and responsibly. By keeping a clean driving record, you can slowly lower your risk profile, rebuild your driving history, and work towards reducing your premiums over time.
Because our insurance is highly specialised and specifically tailored to drivers in challenging circumstances, sometimes our best quote is only available over the phone.
Call today or complete the Get a Quote form, and one of our friendly agents will contact you.
Please fill the form below and we will get in touch with you to as soon as possible.
Got You Covered offers a wide range of optional covers to add to your policy. For more information, please check our policy documents.
This Motor Legal Expenses insurance policy provides cover to the policyholder, any other person entitled to drive/ride the named car and any other person who is a passenger in or on the car for legal costs, adverse costs and disbursements incurred in bringing a legal action against a third party for an insured event involving the car noted on the policy schedule.
This covers the excess you are responsible for after settling any loss, destruction, or damage to your car. This applies under your car insurance policy. It includes claims resulting from accidental damage, fire, theft, or vandalism.
This insurance policy covers a hire car when your car is undrivable or under repair. Coverage applies if you are at fault for a single road traffic collision or if fire, malicious actions, theft, or attempted theft damage your car.
This car breakdown insurance provides roadside assistance and recovery services in the United Kingdom and continental Europe.
If an insured person is injured in an accident within the UK and EU, we will provide payment for an accident resulting in loss of life, suffer loss of sight, loss of hearing or speech or loss of limbs, permanent total disablement, fractured bones and third-degree burns, overnight stay in a hospital during the period of insurance, emergency dental expenses, damage to personal effects and stress counselling.
This policy provides insurance coverage for lost and stolen keys, keys broken in a lock, and locksmith costs to enter your home, car, or property (as defined in the policy terms and conditions) if you lock your keys inside.
If you lock your keys inside, this policy provides insurance coverage for locksmith costs to enter your home, car, or property. It also covers lost or stolen keys and keys broken in a lock.
This policy covers accidental damage to alloy wheels, minor body scratches, and dents. It includes repairs for paint chips, dents, and scratches within specified limits. Appointed representatives carry out repairs to restore your car's appearance.
Our specialised car insurance policies cover a lot, but some things aren't covered. Please check our policy documents to see a complete list.
We don't cover normal wear and tear or mechanical problems, our policies are for unexpected issues.
Damage caused on purpose is not covered. We protect against accidents, not deliberate actions.
We don't cover accidents or damage from driving under the influence of alcohol or drugs.
Our standard car insurance policies don't cover vehicles used for business use unless this is included in your policy.
Comprehensive car insurance is the highest level of car insurance coverage available. It protects the policyholder and third parties in the event of an accident or other incidents involving the insured car.
Third-Party Fire and Theft car insurance in the UK covers third-party liabilities (damage and injury to others), plus protection against fire damage and theft of the policyholder's vehicle, but not accidental damage to their car.
Third-party only car insurance in the UK covers damage to others' property and injury to others caused by the policyholder. It does not cover damage to the policyholder's car, theft, or fire damage.
Fill out our quote form or give us a call to start the process, being careful to provide accurate information.
Our experts will discuss your needs and find the best coverage. Paying attention to key exclusions and benefits.
Return any documents we require in the post or via email. Our team are always happy to assist with this.
Receive your customised quote and get peace of mind.
We understand the complexities of car insurance and how daunting it can be, especially if you require a specialised policy. While our online quote form is a great starting point, speaking with one of our expert car insurance brokers can make all the difference in finding the perfect policy for you. Here's why:
Personalised Expertise: Our insurance brokers have extensive experience handling unique insurance requirements. By discussing your requirements over the phone, they can tailor a policy that fits your needs perfectly - something an online quote form might miss.
Making things clear: Insurance policies can contain jargon and complex terms. Speaking with our team gives you the opportunity to ask questions and ensures you understand all aspects of your coverage, including any exclusions or conditions that might apply.
Immediate Assistance: Our insurance brokers are just a phone call away if you need immediate help. A call ensures you get real-time support and guidance, making the process smoother and faster.
Flexible Payment Options: We offer a variety of payment plans, including instalment payments, to fit your budget and schedule.
Entering the incorrect information could be as simple as forgetting to include a minor accident, misrepresenting the car's usage, or not including unlisted modifications or accessories.
Talking to one of our staff lowers the risk of incorrect information on your policy. This ensures your policy will provide you with cover should you need to make a claim.
A TT99 conviction remains on your licence for four years from the date of conviction.
No, you must wait for your ban to end and your license to be reinstated before obtaining insurance.
Yes, if you maintain a clean driving record and avoid further penalties, your premiums should reduce over time.
If you have a valid no-claims bonus from before your ban, some insurers may still honour it.
Yes, you must declare your TT99 conviction when applying for car insurance. Failing to do so could invalidate your policy, meaning any claims you make may be rejected.
