Car Insured without NCT?

M

messiah

Guest
I have comprehensive policy which does not specifically mention nct. my nct is out of date one week. If i have an accident am i covered?
 
Best thing is to ring the insurer 'anonymously' and ask? Some insurers may (try to) handle this differently e.g. ones with a poor reputation for paying out.
 
ok, thanks. good reputable company so may be fine.
 
If you don't have cover without a valid NCT then that would mean that anyone failing the NCT test would be driving away from the test centre uninsured and they would continue to be uninsured until they redo and pass the test - can't see that being the case.
 

In theory you're supposed to renew PRIOR to it going out of date, allowing for possible retest.
 
But ...But...But....Rmelly....if what you've said is true then you could hold a valid NCT .......then go for renewal before the cert expires and fail it.........you'd then have a valid NCT cert and a failed test on the same car.....where would that place you ?
A valid NCT disc on the w/screen and a failed notification in your pocket ?

Is there some explanation for this ?
 

No sure, but see [broken link removed]


The pre-existing NCT cert is valid to a point in time so I would imagine it takes precedence.
 
thanks,

i took your advice rmelly. rang company, cornmarket. they said as long as car has not failed nct then its covered. What i took from them is that its only on renewal of policy that it would be a factor..
this doesnt make sense to me though. i explained i havn't got a date booked for test yet and the lady said it doesnt matter. might be a different story if theres a claim..
any other feedback welcome.
 
We had a car which was due to have it's NCT renewed in Jan 08. We knew it wouldn't pass so didn't apply for the NCT. In May the car was involved in an accident and was an economic write off and the insurance company payed out no problem.
Never even asked about the NCT
 
If it was an own damage claim your insurer COULD reduce your settlement for no NCT by as much as 25%. Technically your vehicle isn't roadworthy and so shouldn't be on the road.
 
last year I had an accident which the insurers deemed to be my fault, and they looked for the copy of the failure sheet of the first NCT. The car had passed the second time, it was only a small thing on the first time. Why would they have looked for the first one?
 
I don't know Biddy...like you I can't see that it would have any relevence - loads of cars fail on something small the 1st go round, incorrect alignment of lights for instance, shouldn't have any bearing if your car passed the 2nd time.

Surely the only way they would know that it failed the 1st time is if you told them yourself?
 
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