Classic Car NCT for insurance purposes?

milod · 22-01-2008 2:06pm #1

Hi there - I'm wondering has anyone here put a classic car through an NCT test? I want to insure my classic normally for various reasons (no mileage limits, no restrictions on bringing to work etc, and also the fact that it isn't my second car).

Just wondering if a speedo in mph will fail for example?

Alternatively, if anyone knows a broker that will insure an old car without an NCT at reasonable rates? My best quote on a BMW 2002tii was with Hibernian who insist on an NCT...

thanks in advance.

Anan1 · 22-01-2008 2:11pm

Cars over 30 years old are exempt from the legal requirement for an NCT. Are Hibernian trying to make you do one anyway?

milod · 22-01-2008 2:15pm

they are as a condition of normal insurance as opposed to classic insurance. Problem is they're giving the best quote by far...

Anan1 · 22-01-2008 2:20pm

To be fair, I suppose from their point of view it makes sense. Would the car pass an NCT? Come to think of it, would the NCTS even agree to test it?

milod · 22-01-2008 2:21pm

exactly... gonna call them to see.

mustang68 · 22-01-2008 2:27pm

there was a thread here a few weeks ago on the very same subject, do a search and you'll find it

3ps · 22-01-2008 2:49pm

I just had a local garage I use fill out an engineers report. Might be easier to get through if they accept it.

8~) · 22-01-2008 4:06pm

Classics can be NCTed and I reckon it's the way to go - an NCT is pretty objective and universally understood.

The NCT will only test on regulations that were in force the time of the car's manufacture so if e.g. it's a 1960 car and got no seatbelts it won't fail on that. Emissions testing is not up to modern standards either.

I've NCTed two of my old cars (21 and 24) with no real issues (plus it's the law, though some would have you believe otherwise). Subsequently had no bother insuring them either.

milod · 22-01-2008 4:09pm

Well by law I don't need an NCT as the car is over 30 years old (1974). The problem is that Hibernian who are offering the cheapest normal insurance policy want an NCT...

3ps · 22-01-2008 6:25pm

yes milod I was in the same position but my insurance company would accept an engineers report as well, and I felt it was easier to get an engineers report... I also didn't really want the NCT boys messing with the car.

DaveCol · 22-01-2008 10:59pm

The precedent is there from the pre NCT days. Many insurance companies asked for an Engineers Report once the car reached a certain age

macplaxton · 23-01-2008 3:53am

AXA would normally ask for an engineer's report (my 1973 DAF is on a standard car policy). As I only had a UK MOT done on it just before export, a month earlier, they accepted that. All the insurer wants to see is that it isn't a deathtrap and is roadworthy.

hi5 · 23-01-2008 1:18pm

Public service vehicles need an NCT,this includes many vintage cars used for weddings and hire.
I've seen a 1930's Chrysler WX reg (I think) with an NCT disc displayed for this very reason.

Classic Car NCT for insurance purposes?

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