TT99 Insurance

Any UK driver whose ban has ended can usually find quotes, mainly from specialist insurers. Your age, the car and the offences that built up to the ban shape the price and the choice.

The same as any car policy at the level you choose: third party, third party fire and theft, or comprehensive. Courtesy cars and other extras can be thinner on specialist policies, so check.

There is no typical price. The ban, the offences behind it, how recent it is, your age, the car and the postcode all play a part. We do not print average premiums.

It records a disqualification under the totting-up rules, given when penalty points reach twelve or more within three years. The ban is usually at least six months.

The code stays on the driving record for four years from the date of conviction. Insurers ask about convictions over their own set period, so read each question carefully.

Not to drive. Cover can be arranged in advance to start on the day the ban ends. Driving during the ban is never covered and is a separate offence.

Yes. Insurers want the TT99 and every code behind it, with the dates and points. The individual offences tell them more about the risk than the ban code alone.

Tell the insurer promptly, as many policies ask you to report a conviction during the term. The policy may be cancelled, or you may be removed as a driver.

It can. Some insurers ask whether a policy has ever been cancelled, and a cancellation linked to a ban needs an honest answer. Keep the letters in case you are asked.

Not quite. A TT99 shows a pattern built over several offences, while a single-offence ban reflects one event. See our disqualified drivers insurance and convicted drivers insurance pages.

A bonus is built on claim-free years, so the ban does not remove it in itself. Some insurers handle a bonus differently after a gap in cover, so ask how yours will be treated.

Usually, though the price is higher and the choice narrower, and a black box is often part of the deal. See our young drivers car insurance page.

A long record before the ban can help put it in context, though it still has to be declared in full. See our over 50s car insurance page.

Sometimes. Specialist classic and import insurers set their own conviction rules, and some decline a recent ban while others quote. See our classic car insurance and import car insurance pages.

It is harder. A modified car and a recent ban together narrow the choice, so declare every change as well as the codes. See our modified car insurance and kit car insurance pages.

Not always, but it is common. Some specialist insurers make telematics a condition after a ban, and others offer it as a way to bring the price down. Read any curfew terms first.

Look past the price to the level of cover, the total excess including any conviction excess, the telematics terms, payment options and what happens if another offence lands during the policy year.