NCT Question

bopbuddy

Folks,
My NCT has been out for over 2 years (lots of different reasons) i'm now in a position to bring it for an NCT, is there any penalties for being so late?

Yawns

If you get caught you can get penalty points. That's about it. When you bring it for this NCT and it passes, you will have it until the next due date. So if it's 2 years and say 6 months since the last one and it passed today, you would get a cert for the next date which would be 18 months away.

cyborg

as above check your registration date , and make sure you bring it for the test after that date or you will not get the full 2 years!

bopbuddy

Cheers folks, it's funny it's exactly 6 months since it was due last so i should get the 18 months!

MugMugs

bopbuddy wrote: »

Cheers folks, it's funny it's exactly 6 months since it was due last so i should get the 18 months!

Hilarious. Were you in a position to drive it for the past two years?

Yawns

Yes you will get a cert and disc to cover you up until the next due date. If the car is 10 years or older you have to test it once a year, so in that case would only get 6 months. Also while some people didn't bother to NCT their cars before or allow gaps to appear is because the guards did not bother with enforcing the issue, but they are now and a hefty penalty point can apply if caught without one.

CiniO

Yawns wrote: »

Yes you will get a cert and disc to cover you up until the next due date. If the car is 10 years or older you have to test it once a year, so in that case would only get 6 months. Also while some people didn't bother to NCT their cars before or allow gaps to appear is because the guards did not bother with enforcing the issue, but they are now and a hefty penalty point can apply if caught without one.

Also some insurance companies altered their T&C to accomodate requirement of NCT. Probably in short while, most insurance companies will introduce it, and then driving without NCB will pretty much mean that someone's insurance will be void.

Yawns

CiniO wrote: »

Also some insurance companies altered their T&C to accomodate requirement of NCT. Probably in short while, most insurance companies will introduce it, and then driving without NCB will pretty much mean that someone's insurance will be void.

Doubt that very much. Your insurance is not void if you drive without tax or if you break the speed limit for example. The NCT is worthless as all it proves is that your car was roadworthy on the day of the test. Anything can happen in the intervening 2 years.

coylemj

CiniO wrote: »

Also some insurance companies altered their T&C to accomodate requirement of NCT. Probably in short while, most insurance companies will introduce it, and then driving without NCB will pretty much mean that someone's insurance will be void.

Please name an insurance company which imposes that requirement - that you must have a current NCT in order to be covered.

Most of them have as part of the policy conditions that the vehicle 'must be kept in a roadworthy condition', that is not the same as meaning that you must have a current NCT.

CiniO

Yawns wrote: »

Doubt that very much. Your insurance is not void if you drive without tax or if you break the speed limit for example.

It's not void in such case, but it is also not required according to policy document to have motor tax or drive within speed limit.
While NCT requirement is worded in the policy.

CiniO

coylemj wrote: »

Please name an insurance company which imposes that requirement - that you must have a current NCT in order to be covered.

Most of them have as part of the policy conditions that the vehicle 'must be kept in a roadworthy condition', that is not the same as meaning that you must have a current NCT.

Allianz.
It's a new thing - their policy document was amended few months ago, and since then it contains such requirement.

Looking after Your Car
You must take all reasonable care to:
1. Safeguard Your Car from loss or
damage and prevent injuries.
2. Maintain Your Car in a roadworthy
condition, ensure that lights, mirrors
and braking systems are working
correctly and, where necessary, has a
valid NCT certificate.
3. Fit tyres appropriate to the Car, and
ensure tread depths comply to the
legal limit.
4. Ensure You do not leave Your keys in
the Car while unattended or leave
Your Car unlocked.

Yawns

I am in the process of looking for car insurance atm as mine is up next month. Have not come across that yet. I have not rang Allianz either yet. Will be interesting to see how many companies will have this in their policy now. I shall be looking out for it. It won't bother me anyway as I have always had an NCT when it was required.

coylemj

CiniO wrote: »

Allianz.
It's a new thing - their policy document was amended few months ago, and since then it contains such requirement.

You're right, they have included it as a requirement but the legal eagles here and over in the Legal forum have repeatedly said that an insurance company would not be able to refuse a 3rd party claim based on that condition.

For example, even when a driver is drunk they have to pay out so they wouldn't be able to repudiate the policy on the basis of an expired NCT.

CiniO

coylemj wrote: »

You're right, they have included it as a requirement but the legal eagles here and over in the Legal forum have repeatedly said that an insurance company would not be able to refuse a 3rd party claim based on that condition.

For example, even when a driver is drunk they have to pay out so they wouldn't be able to repudiate the policy on the basis of an expired NCT.

Oh yes.
You are absolutely right that they can't refuse to pay to third party for a third party claim.

But what they can do, is described in Policy document just below the previous quotation:

If You do not do so, We reserve the right
not to pay a claim or if, by law, We are
obliged to meet a claim, then We reserve
the right to seek recovery of the payment
from You.

coylemj

Yes I saw that as well but I'd have serious doubts that it means anything.

Say a driver with an Allianz policy owns a house worth 500K, is involved in an accident which leaves someone seriously injured and the injured party succeeds in a claim for 500K damages so Allianz pays out.

Now say Allianz discover that on the day, the insured's car had an expired NCT but was otherwise in excellent mechanical condition. Nonetheless they try to invoke that clause to get their money back and force him to sell his house, how far do you think they'd get in the courts?

MrFrisp

bopbuddy wrote: »

Cheers folks, it's funny it's exactly 6 months since it was due last so i should get the 18 months!

Providing your car is less than 10 years old.

Cars older than 10 years only get NCT now for 12 months,,so if your car is older than 10 years,you'll only get the cert for 6 months.




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