Car Written Off NCT Cert out of date

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My lovely golf was written of in an accident. Fully comp and have agreed price with insurance comp, they're looking for valid NCT Cert before paying out. Of course the NCT was due so I don't have valid Cert. I realise that this will impact on the value but does anyone have any idea by how much? I want to be able to argue my point if the insurance company suggests a discounted price? Any advice?
 
Insurance company are likey to argue that since the car had no NCT, legally speaking it was unroadworthy so they are under no obligation to pay out.
 
When exactly did the NCT Cert expire? When did the accident occur? This might help with responses.
 
accident was the only the week before last, no issue with the roadworthniss of my golf, xamined by the guards, other party is being prosecuted for dangerous driving
NCT was out since beginning of year
 
But you say you have agreed a price with the insurance co, is this price subject to a valid nct ?.
As you are the 3rd party, unless the guards have an issue with your vehicle, it would not be wise for the insurance co. to make a big deal out of it.
 
csirl said:
Insurance company are likey to argue that since the car had no NCT, legally speaking it was unroadworthy so they are under no obligation to pay out.
Click to expand...

Not having a valid nct does not automatically make it unroadworthy.
No nct would be a matter for the garda. l Am not aware of any insurance co refusing to honor a claim due to no nct, Yet.
 
LS400 said:
Not having a valid nct does not automatically make it unroadworthy.
No nct would be a matter for the garda. l Am not aware of any insurance co refusing to honor a claim due to no nct, Yet.
Click to expand...

Perfectly within their right though. See most policy wordings. I would think that it will at least reduce the value of the car!
 
I think OP actually has the problem correctly identified: a car without an NCT certificate has a lower resale value than a similar car with a current certificate. So the question is by how much the value is reduced, not whether the insurance company is trying to walk away entirely.

That's the sort of question that somebody who deals in cars could probably answer very easily, and the rest of us could probably make only ill-informed guesses about. My ill-informed guess is that it could be painful.
 
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