Do I need insurance and tax to pass nct?

sameman

As it says in title. Do I need insurance and tax to pass nct??? Or just Tax, or just insurance? Or I need all of them. thank you.

166man

If you plan on driving to the test centre you need all of them legally. Especially insurance.

No, I drove a friends untaxed and uninsured* car to a test centre and it passed no problem.

*I was insured to drive it using the 3rd party extension on my own insurance.

goz83

Royalty Juicy Saltwater wrote: »

No, I drove a friends untaxed and uninsured* car to a test centre and it passed no problem.

*I was insured to drive it using the 3rd party extension on my own insurance.

The OP asked if he/she needed tax AND insurance. The driver would need to be insured and the car would need to be taxed to get to the centre. If the car was towed to the centre, no tax and insurance is needed to get there and the car is tested regardless.

goz83

goz83 wrote: »

The OP asked if he/she needed tax AND insurance.

And I answered the question by confirming that tax and insurance is not required to pass the nct.

166man

Royalty Juicy Saltwater wrote: »

And I answered the question by confirming that tax and insurance is not required to pass the nct.

But it is required if the OP wishes to get to the centre to test the car in the first place

166man

166man wrote: »

But it is required if the OP wishes to get to the centre to test the car in the first place

Well the car itself does not have to be insured once the op has a friend/family member to drive it whose insurance covers them and in all honesty who really cares about tax for driving to an nct centre.

On the other hand it could be brought on a trailer which would mean no insurance or tax of any kind would be required.

Poulgorm

The NCT centre staff will not check the driver's insurance or the tax status of the car - it is not relevant to the NCT test.

This is what the OP asked.

Driving the car on a public road, without insurance and / or road tax is another matter altogether. I imagine the OP already knows the requirements for that.

dgt

Op answer is no and no. Trailered cars to centres before. They are there to test cars not mouth off at lack of discs

Marcusm

The driver always needs to be insured rather than the car, per se. As regards tax, there is an exemption for te day on which a car has failed an NCT. Afaik, this is implemented as to apply to cars being driven to and from an NCT centre for the purposes of a test.

Atlantic Dawn

Marcusm wrote: »

The driver always needs to be insured rather than the car, per se. As regards tax, there is an exemption for te day on which a car has failed an NCT. Afaik, this is implemented as to apply to cars being driven to and from an NCT centre for the purposes of a test.

Never heard of this exemption, can you give me more details?

sameman

Poulgorm wrote: »

The NCT centre staff will not check the driver's insurance or the tax status of the car - it is not relevant to the NCT test.

This is what the OP asked.

Driving the car on a public road, without insurance and / or road tax is another matter altogether. I imagine the OP already knows the requirements for that.

This is the answer I was looking for. I just can't afford to pay tax this month, but I won't take the car on the road without insurance. even to take it to nct.Thank you

goz83

You're very welcome. My suggestion is to wait until you can tax the car before you drive it on a public road, even to get to the nct. If you can't afford tax, you can't afford to get the car out of the impound if it gets taken from you. You also need tax to get it out of the impound. While it's unlikely you'll be pulled and have the car taken, you only need one cop in a bad mood to screw you to the hilt, especially if car is way out of tax. If its only a few weeks, you'll be grand.

sameman

tax is out for two weeks. It will be grand I say.

CiniO

Atlantic Dawn wrote: »

Never heard of this exemption, can you give me more details?

I think Marcusm has mistaken exemption for NCT with exemption for tax.
It is legal for anyone to drive a car after NCT failure without NCT for the rest of the day, but definitely not without tax.

Just Jack

Royalty Juicy Saltwater wrote: »

Well the car itself does not have to be insured once the op has a friend/family member to drive it whose insurance covers them and in all honesty who really cares about tax for driving to an nct centre.

On the other hand it could be brought on a trailer which would mean no insurance or tax of any kind would be required.

Unless I am mistaken, In order for someones insurance policy to cover another car not owned by him/her The other vehicle must be already insured.I think you were lucky that nothing happened as you would have been in big trouble,for trying to help someone out.

Just Jack

goz83 wrote: »

The OP asked if he/she needed tax AND insurance. The driver would need to be insured and the car would need to be taxed to get to the centre. If the car was towed to the centre, no tax and insurance is needed to get there and the car is tested regardless.

If the car is towed, it is on a public road and needs to be taxed.I don't know what the position would be if transported on a flatbed truck,but I imagine the same would apply.

CiniO

Just Jack wrote: »

If the car is towed, it is on a public road and needs to be taxed.I don't know what the position would be if transported on a flatbed truck,but I imagine the same would apply.

I assume by saying "towed" previous posters meant that it was transported on a flatbed truck.
In this case no need for the vehicle to be taxed.

CiniO

Just Jack wrote: »

Unless I am mistaken, In order for someones insurance policy to cover another car not owned by him/her The other vehicle must be already insured.I think you were lucky that nothing happened as you would have been in big trouble,for trying to help someone out.

You are mistaken indeed.
Most of insurance companies don't put such requirement.
Ofcourse some of them might do, but that seems to be very rare thing.

goz83

+1

It is not a stipulation for any car to have a separate insurance policy. If the insured driver has open drive, he/she may drive another vehicle. The other vehicle must be taxed to drive on a public road.

2 weeks is ok out of tax. Will get away clean

Just Jack

CiniO wrote: »

You are mistaken indeed.
Most of insurance companies don't put such requirement.
Ofcourse some of them might do, but that seems to be very rare thing.

So a guy can have a policy on a mini,and drive his brothers/sisters/mamas/whoevers uninsured supercar.I don't think so

djimi

Just Jack wrote: »

So a guy can have a policy on a mini,and drive his brothers/sisters/mamas/whoevers uninsured supercar.I don't think so

I can drive any car on the planet 3rd party with my insurance; the exact words from my insurer were "if someone is daft enough to hand you the keys of a Ferrari then knock yourself out"!

Whether or not the car has another policy on it or not is completely irrelevant to your insurer, especially for 3rd party only cover. They used to have such a clause in but from my experience none have done for a long time now. The only stipulations some seem to have is that cars belonging to immediate family members are not covered (to stop 17 year old Johnny insuring a Micra and driving his "mothers" Supra) or that certain age groups might be restricted in what they are covered on 3rd party.

sandin

sameman wrote: »

tax is out for two weeks. It will be grand I say.

If tax disc expired on July 31st then technically you can still drive until end of August as it clearly states that the tax disc must be renewed by end of month following expiration of disc.

Its a grace period and you will not get a ticket.

djimi

sandin wrote: »

If tax disc expired on July 31st then technically you can still drive until end of August as it clearly states that the tax disc must be renewed by end of month following expiration of disc.

Its a grace period and you will not get a ticket.

No it doesn't; it says it can be renewed by the end of the next month to avoid a penalty (or words to that effect). It highly unlikely that a car that is a fortnight over the date on the tax disc will be pulled, but there is no official grace period.

Marcusm

Just Jack wrote: »

So a guy can have a policy on a mini,and drive his brothers/sisters/mamas/whoevers uninsured supercar.I don't think so

Why not? We've been through this many times here and various companies docs have been cited/copied. Generally, the cover provided is only 3rd party (although some boardsies have shown that they have such extensions on a comprehensive basis). There's no particular significance to the ther car being insured although the UK is now changing its insurance rules as lotsof cars were only being driven under a 3rd party extension and it was note referring with ANPR validity - lots of stops or cars which were being driven legally on the extension but for which no accessible electronic insurance record was maintained.

TonyStark

Royalty Juicy Saltwater wrote: »

No, I drove a friends untaxed and uninsured* car to a test centre and it passed no problem.

*I was insured to drive it using the 3rd party extension on my own insurance.

I always thought that only applied when the car had its own insurance?

antodeco

People seem to be getting '3rd party extension' and 'open drive' mixed up!

Just Jack

djimi wrote: »

I can drive any car on the planet 3rd party with my insurance; the exact words from my insurer were "if someone is daft enough to hand you the keys of a Ferrari then knock yourself out"!

Whether or not the car has another policy on it or not is completely irrelevant to your insurer, especially for 3rd party only cover. They used to have such a clause in but from my experience none have done for a long time now. The only stipulations some seem to have is that cars belonging to immediate family members are not covered (to stop 17 year old Johnny insuring a Micra and driving his "mothers" Supra) or that certain age groups might be restricted in what they are covered on 3rd party.

"I can drive any car on the planet 3rd party with my insurance; the exact words from my insurer were "if someone is daft enough to hand you the keys of a Ferrari then knock yourself out"!

Ask them to put that in writing.
I don't think so.
Maybe someone from the legal forum can help out on this

Just Jack

Marcusm wrote: »

Why not? We've been through this many times here and various companies docs have been cited/copied. Generally, the cover provided is only 3rd party (although some boardsies have shown that they have such extensions on a comprehensive basis). There's no particular significance to the ther car being insured although the UK is now changing its insurance rules as lotsof cars were only being driven under a 3rd party extension and it was note referring with ANPR validity - lots of stops or cars which were being driven legally on the extension but for which no accessible electronic insurance record was maintained.

Why not? Because it is open to all kinds of undesirable abuse.

djimi

Just Jack wrote: »

"I can drive any car on the planet 3rd party with my insurance; the exact words from my insurer were "if someone is daft enough to hand you the keys of a Ferrari then knock yourself out"!

Ask them to put that in writing.
I don't think so.
Maybe someone from the legal forum can help out on this

Ive been through my policy and there is nothing to stipulate what cars I can and cant drive 3rd party. Thats why I rang them about it to clarify. Why wouldnt they put it in writing?

Why would an insurer need the car to have its own insurance policy on it if they are only covering it 3rd party? Its of absolutely no relevance to them whatsoever. So long as the car is roadworthy (tax and NCT) that is all they would care about.

As for stipulations on the policy; Im sure some insurers will have them in certain situations, but it varies from case to case Id imagine. When I was in my early 20s I had a full license for about 3 years and was insured on a 1.4 Accent. At that time my policy stated that I could only drive cars up to 2L on 3rd party cover. Now Im 29 with a full license 10 years and 6 years claim free insurance, and there is no limit on what I am covered to drive by my current insurer.

djimi

Just Jack wrote: »

Why not? Because it is open to all kinds of undesirable abuse.

Thats why some insurers may include a clause that says that the car in question cannot be owned by an immediate family member (ie if Mammy wants to put little Jimmy on the insurance of her Skyline then she must take out her own policy and add him as a named driver). It would vary from case to case though, and each insurer will have their own views on how to handle it.

RustyNut

Just Jack wrote: »

So a guy can have a policy on a mini,and drive his brothers/sisters/mamas/whoevers uninsured supercar.I don't think so

I can drive any other car or motorbike 3rd party on my insurance,makes no differance if they are insured or not. This is with Chartis through AA.

Just Jack

Just Jack wrote: »

Why not? Because it is open to all kinds of undesirable abuse.

Surprised I got away with that. "undesirable abuse" Showing my lack of a formal education.

awec

This post has been deleted.

Just Jack

Just Jack wrote: »

"I can drive any car on the planet 3rd party with my insurance; the exact words from my insurer were "if someone is daft enough to hand you the keys of a Ferrari then knock yourself out"!

Ask them to put that in writing.
I don't think so.
Maybe someone from the legal forum can help out on this

Thats the way it is, its stated on my insurance cert. I'm covered on any car once its not owned by me or my employer or hired to me and I have the owners permission.

djimi wrote: »

Thats why some insurers may include a clause that says that the car in question cannot be owned by an immediate family member (ie if Mammy wants to put little Jimmy on the insurance of her Skyline then she must take out her own policy and add him as a named driver). It would vary from case to case though, and each insurer will have their own views on how to handle it.

I've never come across a stipulation about family members car, it would really make the extension pointless as I would say 90% of the time people drive other cars its a family members.

My parents cars and sisters car are really the only cars I actually drive apart from my own and vice versa we are always driving each others cars.

Marcusm

Just Jack wrote: »

Why not? Because it is open to all kinds of undesirable abuse.

The occasional driving of a high performance car woudn't be the sort if abuse to cost an insurer lots of money - not something available to the masses. They ave tried to eliminate abuse by generally excluding cars owned by spouse, partner, sometimes close family member and thosed on hire. What you end p with then are fairly rare incidents,such as the boss sending the office junior off to have his car serviced!

awec

This post has been deleted.

brenmur777

There is a lot of nonsense in some of these answers.
Arguing what question was asked so one can say "There, you see, I am right"

If you drive a car in Ireland on a public road you need motor insurance.
That is the most important point and it needs to be emphasised.

A person I know decided to get another driver to tow his car.
He forgot about the steering lock.
As soon as the tow rope started pulling the car it hit a parked car in front, as he could not steer.
His insurance had to pay for the damage. Imagine what would happen if the Gardai arrived and discover the driver of the car being towed had no insurance.

Of course, if the car is taken to the NCT centre on a trailer then the car is not been 'driven'
It costs a fair bit of money to hire this service.
And how many trips will it take? To the NCT centre and then to a mechanic. From the mechanic back to the NCT center for the retest. From the NCT center still on the trailer back to where the car is normally kept. There to wait until you arrange motor insurance.
And how much will all this cost eventually?
No insurance company will insure a car which has not passed an NCT, that I know of.
Now, if I am wrong in any of the above then please correct me. But please, do not encourage anyone to drive a car without insurance?

biko

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