NCT or not!

Smashbox said:
Perhaps they didnt know?
Click to expand...
It's not an issue for them. As for concerns that this or that minor or technical discrepancy might render insurance invalid, well, you're kinda insured even if you have no insurance, a levy (2% i think) is added to car insurance policies to provide a fund to pay claims where the offender didn't have insurance.
 
Check your renewals form. Most state that it is conditional (where car qualifies for NCT) on a valid certificate, some even ask for the certificate. I think it's a bit like the Motor Tax where they ask for insurance details, but don't actually check them out.
 
gebbel said:
I am aware of one Polish national who does not have the NCT on his car. He was stopped twice in the last year and his details checked. In both cases they made no mention of the NCT and waved him on.
Click to expand...
if the vehicle is registered in poland (not on irish plates) then there's no requirement to display an nct as the car is not on our system, same with insurance discs.
 
dariuscork said:
So ok then what is the answer,is insurance void without a current nct?
Click to expand...

I remember Pat Kenny doing a programme on this a few years back...apparently once the insurance companies enter into a legal contract with you, they're obliged to insure you no matter what, even if you don't have any NCT. I think you're insured even if you're drink driving and have a crash...
 
I know my policy is valid without NCT, some policies will state that you need a valid NCT.
Insurance companies can argue that if you don't have a valid NCT, your car might not be in a road worth condition, which would invalidate your insurance. But it would be a big stretch.
 
You do need to display your NCT cert in the window,as i found out the hard way on feb 20 in the Richmond courts. to make a long story boring, i was driving my wifes car to a funeral in APR 08 when i was stopped tax and ins was up to date but the NCT cert was out of date since NOV 07. Basically what had happened was that , she who must be obeyed, had brought the car for its NCT test in NOV but she had to bring it back to show that a broken mirror was fixed within 30 days or you re do the test.30 days later ie XMAS came and and went. Garda who stopped me told me to re apply for the NCT within ten days and that would be that. Which i did and thegarda in the station put my details onto the pulse system. F/F TO JAN 09 and i get a summons for feb 20 . I went to court explained all to the judge questioned the garda showed evidance of test app showed print out from Irishtown garda station proving i was there within ten days all to no avail. VERDICT i got the probation act moral get your NCT AND KEEP IT UP TO DATE
 
demoivre said:
If having valid car insurance is conditional on having a valid NCT cert don't you think the Insurance company would have asked before they paid out?
Click to expand...

sorry that is incorrect - having an NCT or not is irrelevant to your insurance. There's a very simple reason for this - the NCT does not warrant your car to be road legal, except for that instant where it's inspected. 1 day, week or month later, you have an accident and the presence or absence of an NCT is irrelevant to your insurance - that's why they use assessors.

Your car could have no NCT and be perfectly mechanically legal (so not affecting the cause of the claim for instance, which is what they're looking for). The reverse is also true: that is, your car could have NCT, and on inspection on foot of a claim, found to be unroadworthy. In this case your ins co would take this into account (negatively) with regard to your claim.

This is borne out by Duchalla's post, above...

There is another, more deep-seated issue, from a legal perspective - and it has come in court with respect to having a valid licence, and the effect on insurance, and the court ruled that the insurance is still valid.
 
bb12 said:
I remember Pat Kenny doing a programme on this a few years back...apparently once the insurance companies enter into a legal contract with you, they're obliged to insure you no matter what, even if you don't have any NCT. I think you're insured even if you're drink driving and have a crash...
Click to expand...


..correct. The courts have ruled that where insurance is mandated by law (Road Traffic Act), a policy bought, accepted and in force, that it must be honoured, end of.

The recourse for ins co's in Ireland in cases like this, is to sue you civilly for the costs involved. However, there is no criminal case to answer - it's a money thing.
 
Car insurance don't ask if you have a valid NCT when you are getting a policy with them but they do ask for a valid NCT when they are to pay out. Just found this out last month. So the car insurance companies should ask when you are first buying your policy.
 
You must log in or register to reply here.
Back
Top