Romeo Golf Bravo -- On that one, as Coyote says......If in doubt spell it out. !

If convictions are disclosed that are considered spent, the insurers will not...or at least should not take spent convictions into account anyway when working out your premium, and if they did they would be treating you unfairly. !

TT99Driver:

So at the end of the disqualification period the T99 is spent and need not be disclosed as a conviction, however, all 4 SP30's must be disclosed and ONLY them for insurance purposes? So when prompted i only insert the SP30's and not the TT99 at the end of the 6 month ban?

Thanks

If you have 4 SP30's, that's 12 points so if the telephone agent has a brain they will know a TT99 has been endorsed onto your licence.

If in doubt, you should always declare this. It sounds like you are trying to avoid telling the insurer. This will bite you in the 'arris in the future! It's a material fact relevant to the insurer.

Plenty of insurers will either rate this without the TT99 at all, or just specify the TT99 and leave the other's out, depending on their criteria.

If they ask for convictions within 5 years, you must specify convictions within 5 years. TT99 will be endorsed onto your licence.

You only have to disclose the unspent speeding convictions i.e, any that are not yet Five years old, the speeding convictions that are older than Five years are spent...therefore you do not have to mention those.

The TT99 was a disqualification therefore as you were disqual for Six months, under the ROO act you only have to disclose that for Six months from the date you received it, providing at the same time of conviction you were not given a longer penalty for anything else.

Disqualifications extract rom the ROO act.

The rehabilitation period for a disqualification is the length of the disqualification. If a person is disqualified at the same time as receiving another penalty, the longer rehabilitation period applies. (For example, if a motorist is banned from driving for seven years and fined - which takes five years to become spent - the rehabilitation period would be seven years, not five years.)

So at the end of the disqualification period the T99 is spent and need not be disclosed as a conviction, however, all 4 SP30's must be disclosed and ONLY them for insurance purposes? So when prompted i only insert the SP30's and not the TT99 at the end of the 6 month ban?

Thanks

Could someone please advise me on the following: -

I accumalated 12 points (4 x SP30's) within 3 years and was summoned to court where i received a mandatory ban under the 'totting up' procedure.

My ban is due to expire at the end of october and would like to know what must i declare to major insurance companies when renewing my car insurance. I have already received my licence back and ALL points and history have been removed on the counterpart piece, all that is showing is a TT99. So i did a test with a couple of insurance companies online, firstly, only inserting the TT99 as a conviction when asked, insurance quote was reasonable as this is all that it on my licence. Secondly by inserting the TT99 and dates of SP30 offences (no longer visisble on my renewed licence) and the quote was ridiculous!!! I was under the impression that once you have served your totting up ban then the slate is wiped clean and all you need to declare is what is on your licence, in this case the code TT99 not all the SP30's not apparrent on my licence any more, i queried this with the DVLA and they said to declare the TT99 only? is this correct can an expert please advise me on what i should do to avoid invalidated any future insurance.

Thank you