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Insurance company says my car has no NCT

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  • 25-07-2010 4:26pm
    #1
    dannh
    Closed Accounts Posts: 16 ✭


    Bought a car trying to insure it and several companys refuse to qoute saying i have no NCT. But i have all paperpork (nct cert, test report and garage receipt) It was passed on 08/07/2010 so would it take time to show up on there system? Strugling to get insured because of it!


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    #2
    Mena
    Registered Users Posts: 3,180 ✭✭✭Mena


    Wierd, I've never been asked for an NCT for insurance. In fact, just re-insured my current without one (it's off the road atm).


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    #3
    johndaman66
    Registered Users Posts: 4,095 ✭✭✭johndaman66


    I would imagine if you took a hard copy of your NCT cert into insurance company that this should suffice. It seems that whatever way it works or doesn't work that their records have not yet being updated despite your car being NCT for over two weeks.

    The last time I taxed my car the insurance broker asked me to provide them with a copy of my NCT. Obviously a change must have being made recently whereby the insurance companies are already privy to this information.


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    #4
    ottostreet
    Closed Accounts Posts: 4,987 ✭✭✭ottostreet


    I was asked to supply my NCT cert when i changed insurance over to my current car a few weeks ago. I assume its just cos the car is 'high risk'.


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    #5
    mickdw
    Registered Users Posts: 23,293 ✭✭✭✭mickdw


    You sure they are genuine documents you have with the car? If so just tell the insurers you will bring in the paperwork.


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    #6
    Barr
    Registered Users Posts: 6,993 ✭✭✭Barr


    dannh wrote: »
    Bought a car trying to insure it and several companys refuse to qoute saying i have no NCT. But i have all paperpork (nct cert, test report and garage receipt) It was passed on 08/07/2010 so would it take time to show up on there system? Strugling to get insured because of it!

    How can an insurance company tell if your car is nct'd or not ?. I've never been asked this before.


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    #7
    jaffa20
    Registered Users Posts: 4,516 ✭✭✭jaffa20


    I've never been asked for nct cert to insure car and i've insured cars out of nct.


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    #8
    The Muppet
    Registered Users Posts: 14,003 ✭✭✭✭The Muppet


    The obviously have access to the NCT databeas as they can now tell if the car has a cert or not quinn certainly can I don't think axa check at the moment. Op are you sure the cert is genuine , I have heard of fake ones being available, not sure if it's true or myth .


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    #9
    MakaDonVeli
    Registered Users Posts: 891 ✭✭✭MakaDonVeli


    What insurance company are you with?

    Never been asked for a NCT cert.


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    #10
    Motorcheck
    Registered Users Posts: 277 ✭✭Motorcheck


    Haven't come across this before either. Would be interested to know what insurance company(s). Were you getting a quote online or by phone?


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    #11
    snowman707
    Closed Accounts Posts: 2,279 ✭✭✭snowman707


    some insurance companies are now requesting nct certs for cars 10 years old and over


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    #12
    MakaDonVeli
    Registered Users Posts: 891 ✭✭✭MakaDonVeli


    My car is 10 years old and i recently just changed to another insurance company. NCT only got renewed 2 weeks ago aswell.

    Wasn't asked for prove of NCT.


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    #13
    timmywex
    Registered Users Posts: 2,626 ✭✭✭timmywex


    Never been asked.

    Surely just tell them you need insurance to drive to the NCT centre? :P


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    #14
    Divorce Referendum
    Registered Users Posts: 806 ✭✭✭Divorce Referendum


    timmywex wrote: »
    Never been asked.

    Surely just tell them you need insurance to drive to the NCT centre? :P

    That doesnt work unfortunately. Im with Quinn and had to hire a car trailer for mine then it passed the nct first time!!


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    #15
    bladebrew
    Registered Users Posts: 1,673 ✭✭✭bladebrew


    i havnt been asked about the nct, and my car has just gone 10 years old, and i have renewed my insurance in the past week,

    i didnt know they had access to this:confused:


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    #16
    rilly99
    Registered Users Posts: 221 ✭✭rilly99


    the other half has car -1995-not nct for four years has not been asked for same - has not changed ins co in last 9 years only does 3k per year


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    #17
    Our man in Havana
    Closed Accounts Posts: 29,476 ✭✭✭✭Our man in Havana


    I am with Quinn and I have never been asked for a NCT cert and my car is well over 10 years old.


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    #18
    Del2005
    Registered Users Posts: 18,934 ✭✭✭✭Del2005


    dannh wrote: »
    Bought a car trying to insure it and several companys refuse to qoute saying i have no NCT. But i have all paperpork (nct cert, test report and garage receipt) It was passed on 08/07/2010 so would it take time to show up on there system? Strugling to get insured because of it!

    Did you do the NCT or did the garage provide the cert for you? If the garage did the NCT you'll need to call/drop down to your nearest NCT centre to verify that the cert is legit.

    If it is legit then tell insurance companies you'll send in a copy. If not genuine contact the Gardaí and don't drive the car till you get it fully checked out.


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    #19
    The Muppet
    Registered Users Posts: 14,003 ✭✭✭✭The Muppet


    A friend of mine tried to get a new policy from quinn recently and they refused him because the car had no valid NCT. They could tell him this when he gave the reg no.

    I dont see anything surprising in this , cant you put in you reg number on their site and the details of the car comes up, why not NCT?

    My friend got insured with AXA.


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    #20
    Divorce Referendum
    Registered Users Posts: 806 ✭✭✭Divorce Referendum


    Haddockman wrote: »
    I am with Quinn and I have never been asked for a NCT cert and my car is well over 10 years old.

    Be very careful about this everyone. You are obviously ok haddockman because you have an nct but Quinn Direct made it perfectly clear to me that your car will not be insured under their terms of policy if it doesnt have a valid nct. Sometimes they will ask you does it have one, sometimes they dont but just because they dont ask doesnt mean you will be insured.


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