Uninsured and untaxed for NCT

Melion · 18-07-2011 9:47pm #1

Right, my car has been off the road for the last while. Im trying to sell it so need it NCT'ed obviously.

Does it have to be insured and taxed for them to do the test?

YouTookMyName · 18-07-2011 9:54pm

Has to be insured for you to drive it to the test centre unless you are going putting in on a trailer.

Probably put 3 months tax on it to be on the safe side.

MugMugs · 18-07-2011 10:00pm

YouTookMyName wrote: »

Has to be insured for you to drive it to the test centre unless you are going putting in on a trailer.

Probably put 3 months tax on it to be on the safe side.

Could be wrong but it does not have to be taxed.

As stated however if you intend to drive it to the test centre, it does need to be insured.... and taxed if it's on a public road.

18-07-2011 10:07pm

You dont need either, I nct'd my friends uninsured and untaxed car as I was able to drive it using the 3rd party extension on my own insurance.

Melion · 18-07-2011 10:11pm

Thats what i was going to ask. Would it be ok to get someone with open insurance to drive it to the centre for me?

kerten · 18-07-2011 10:17pm

Driving other cars cover may need car to be insured by its owner.

My policy with chartis stated this pre-requisite in policy. It may differ from insurer to insurer though.

TestTransmission · 18-07-2011 10:18pm

kerten wrote: »

It may differ from insurer to insurer though.

It does,only one way to find out.

coylemj · 18-07-2011 10:21pm

Melion wrote: »

Thats what i was going to ask. Would it be ok to get someone with open insurance to drive it to the centre for me?

Such a person would be insured no problem. You may get people on this forum telling you that the friend's insurance will not cover the car because the car itself doesn't have a policy, this is an urban myth and not true.

There is also a myth going around that some companies will not cover a car that doesn't have a valid NCT cert., again not true because such a clause in an insurance policy is not enforceable so it's BS even if it exists in the small print.

Elmidena · 18-07-2011 10:21pm

I think it's most common for insurers to allow other-car-driving only if that car has an insurance policy and is not owned by the person looking to drive it. The NCT itself doesn't test your discs, but a garda/traffic corps on the way there might, so the risk is up to you. Pretty hefty fine if caught with no discs though, and they'll hardly let you hurry off to make sure you get to your appointment on time, so could face more fines that way. Then there's the hope that you don't get stopped on the way back!

slimjimmc · 18-07-2011 10:21pm

Open insurance only allows others to drive your car under your policy, so that is not what you want, you need someone who is covered to drive other cars under their own policy like Thatcher Tight Strikeout mentioned.

That person should double check with their insurer that they will be covered to drive a car which is not already insured as different insurers have different conditions. That person should also be willing to accept any consequences if stopped driving an untaxed car, and you should be willing to accept your car could be impounded if the tax is out by more the 2 months. You are exempt from requiring a valid NCT when bringing the car directly to the test centre and back home, but you are not exempt from motor tax or insurance. Now, having said all that the chances of getting caught are slim but always present.

coylemj · 18-07-2011 10:24pm

Sunshine! wrote: »

I think it's most common for insurers to allow other-car-driving only if that car has an insurance policy and is not owned by the person looking to drive it.

No it is not. You are right about not owing the car but the first part of that statement is rubbish.

Melion · 18-07-2011 10:34pm

So basically once the car is at the centre it can pass the test even if its not insured or taxed?

omb0wyn5ehpij9 · 18-07-2011 10:35pm

Melion wrote: »

So basically once the car is at the centre it can pass the test even if its not insured or taxed?

Yeah....getting it to and from the centre is the problem

Melion · 18-07-2011 10:37pm

I know all the back roads

18-07-2011 10:42pm

slimjimmc wrote: »

and you should be willing to accept your car could be impounded if the tax is out by more the 2 months

Easy way around this is to get the car signed off the road and keep the forum in the car while driving to the nct.

If the tax is out say the last 6 months and I sign it off today and I am stopped tomorrow I have only been driving one day untaxed as the car was officially off the road for the previous 6 months.

I have not actually seen this in writing but have seen at least one case where someone was stopped with tax more than 6 months out but had the car signed off close to date of being stopped. They were of course fined but only had to back tax to the date it was signed off and car was not impounded.

Keith186 · 18-07-2011 10:53pm

coylemj wrote: »

No it is not. You are right about not owing the car but the first part of that statement is rubbish.

Its not actually I've definitely seen on some policies that the other car must be insured. Its called 'driving other cars' as opposed to open drive where you CNN drive any car.

Cionád · 18-07-2011 11:08pm

Keith186 wrote: »

Its not actually I've definitely seen on some policies that the other car must be insured. Its called 'driving other cars' as opposed to open drive where you CNN drive any car.

It varies from policy to policy. In the UK the car must be insured regardless of the cover provided by the non-owning driver. This was introduced a few years back to help with insurance fraud using ANPR. However in Ireland the insurance is dependant on the policy alone, and in some cases (my Quinn policy) it is a requirement that the car you are driving (that you do not own) : "cover is not provided by any other insurance"

wonski · 18-07-2011 11:11pm

Keith186 wrote: »

Its not actually I've definitely seen on some policies that the other car must be insured. Its called 'driving other cars' as opposed to open drive where you CNN drive any car.

As someone said before depends on insurer. Only way to find out is to call them.
I had policy with Asgard, where small print suggested that lack of NCT can be seen as the car is not roadworthy, and in this case they can refuse payment.
Aviva asked me to send NCT certificate, if i didn't, they would not insure my car.
RSA allows to drive any car only if it is not registered in my name, or anyone else living at the same adress.

Different policies, different rules. Loads of small print to read, I would call them before making the journey. Also the driver taking the car to the test centre for OP risks getting 5 points. Very unlikely that Gardai will do that to someone on the way to test centre, but it can happen.
OP, why don't you just buy insurance in your name, nothing stops You from cancelling it after few days if you don't need it any more?

Thatnastyboy · 18-07-2011 11:50pm

As said already, find someone who has extension driving on their own policy,

I think axa provides this with nearly all policies ( mine has it anyway, i regularly drive other cars using my cover )

It covers the policyholder to drive any private car (nct or no nct, insurance or no insurance), provided they don't own the second car, and that their own car is not being driven at the same time by another party.

As for the tax, its not a requirement, and i'm sure most gardai would be understanding of the situation if you explained it and had the nct booking details to hand, some might not be so nice and could take the car or impose a fine, but you'd have to be unlucky enough to be stopped, and unlucky enough to be done..

Uninsured and untaxed for NCT

Comments