How to get an NCT without tax

Conchúr

Hi Guy's,
This may be a silly question but I've just inherrited a car without tax, insurance or an NCT. I can't get tax without insurance and I can't get insurance without an nct. Now I can't drive to get an NCT without either of the above. Is there options short of getting my car towed to an NCT test centre? Feels a bit extreme in my head...

Cheers guys

CJhaughey

Insure it, it doesn't need an NCT for insurance.
Once insured you can tax it, and apply for an NCT appointment.

cup of tea

CJhaughey wrote: »

Insure it, it doesn't need an NCT for insurance.
Once insured you can tax it, and apply for an NCT appointment.

Incorrect. A lot of Insurance companies will require the nc cert/disc before putting on cover, others may be more lenient and put it on cover and request the nct disc off you later on. A lot of fine print states that the car must be in roadworthy condition, which could leave you open to the insur company refusing to pay out.

S28382

As stated first.....Insure it, in all my years iv never come across an insurance company who wont insure it because of no NCT. I bought a car that had no NCT i rang my insurance company and asked them to put my insurance on it and they did no bothers, i was with Aviva at the time.

keithsfleet

You don't need an nct to tax it.
I've taxed many cars with no nct, I left the nct serial number block empty and nothing has ever been said.

biko

Start with insurance, I have insured cars with no tax nor nct.
Insurance
Tax
NCT

As keithsfleet I just leave the NCT empty on tax form, they do however need your insurance details on the form. If you go through a broker then you need the details of the insurance company, not the broker's name or ref.

Sam Russell

In the UK you are allowed to get the vehicle tested.

MOT

An MOT test is required to be passed annually by all motor vehicles over 3 years of age. Without a valid MOT you will be unable to insure your car and any existing insurance will be invalidated, resulting in an offence.
It is not an offence to drive a motor vehicle without a valid MOT if:

• you are taking it to a pre-arranged MOT test,
• you are taking it to a place of repair after it has failed an MOT test in order that it will be able to pass the test.

Insurance is required to take a motor vehicle to an MOT test.

I assume the same applies here but cannot find the quote. Otherwise the vehicle has to be trailered there and I have never seen that happen.

CiniO

Sam Russell wrote: »

In the UK you are allowed to get the vehicle tested.



I assume the same applies here but cannot find the quote. Otherwise the vehicle has to be trailered there and I have never seen that happen.

There are regulations allowing car to be driven for the rest of the day after it failed NCT. I assume this is to accomodate to travel around garages to get it fixed.
But there is no law allowing vehicle to be driven to NCT test centre for a prebooked test if car doesn't hold a valid test.
There used to be such regulations, but they were changed.

CiniO

S28382 wrote: »

As stated first.....Insure it, in all my years iv never come across an insurance company who wont insure it because of no NCT. I bought a car that had no NCT i rang my insurance company and asked them to put my insurance on it and they did no bothers, i was with Aviva at the time.

It generally changed very recently (over last year or so).
Since then a lot of insurance companies put a requirement in their policies, that car must have valid NCT.
I assume this might also becoming a standard to ask if car is NCTed before providing cover.

Sam Russell

CiniO wrote: »

There are regulations allowing car to be driven for the rest of the day after it failed NCT. I assume this is to accomodate to travel around garages to get it fixed.
But there is no law allowing vehicle to be driven to NCT test centre for a prebooked test if car doesn't hold a valid test.
There used to be such regulations, but they were changed.

Could you give a link as I think that is important.

MugMugs

cup of tea wrote: »

Incorrect. A lot of Insurance companies will require the nc cert/disc before putting on cover, others may be more lenient and put it on cover and request the nct disc off you later on. A lot of fine print states that the car must be in roadworthy condition, which could leave you open to the insur company refusing to pay out.

Who? It's unessecary administration. I'd love to know who request the disc.

phelixoflaherty

Can a car be towed or transported to a test centre on a truck without tax,nct or insurance?

CiniO

phelixoflaherty wrote: »

Can a car be towed or transported to a test centre on a truck without tax,nct or insurance?

Of course.
Once it's being transported on a truck, it's not on a public road, so no road traffic or financial law applies to it.

phormium

Whatever about insurance you definitely don't need the car to be taxed for NCT. Mine had expired end of December and I hadn't noticed, just noticed it when washing the car for NCT in late January, too late to do anything about it so took the car for NCT next day, they said doesn't matter to them whether it is taxed or not.

CiniO

Sam Russell wrote: »

Could you give a link as I think that is important.

I gave link few weeks ago in similar thread.
If you have some time, feel free to find it.
If I find it first, I'll post it here.

keithsfleet

phelixoflaherty wrote: »

Can a car be towed or transported to a test centre on a truck without tax,nct or insurance?

Yes

Edit, it can be transported but not towed.

wonski

S28382 wrote: »

As stated first.....Insure it, in all my years iv never come across an insurance company who wont insure it because of no NCT. I bought a car that had no NCT i rang my insurance company and asked them to put my insurance on it and they did no bothers, i was with Aviva at the time.

In my 4 years i was asked 2 times to send copy of nct cert before i could receive my disc and certificate. This happens - i think it was for cars 10 years old(and older) some insurers asked.

wonski

MugMugs wrote: »

Who? It's unessecary administration. I'd love to know who request the disc.

It was a copy of NCT certificate i was asked (not a disc) to send along with NCB letter and copy of driving license.

Carson10

I got a car nct'd last year that had been off the road a year. I towed it to the nct centre. The car had no tax or insurance. Just bring the log book, id and the test fee.

galwaytt

cup of tea wrote: »

Incorrect. A lot of Insurance companies will require the nc cert/disc before putting on cover, others may be more lenient and put it on cover and request the nct disc off you later on. A lot of fine print states that the car must be in roadworthy condition, which could leave you open to the insur company refusing to pay out.

Nope. Insurance companies don't give a fig about NCT, as they won't stand over it in the even of a claim anyway.

I insured my bangernomics and no mention was made of an NCT - good job, as it took 3 goes to get it through (no prizes for guessing how long that took, given NCT waiting list atmo............)

JohnBoy26

cup of tea wrote: »

Incorrect. A lot of Insurance companies will require the nc cert/disc before putting on cover, others may be more lenient and put it on cover and request the nct disc off you later on. A lot of fine print states that the car must be in roadworthy condition, which could leave you open to the insur company refusing to pay out.

Just because a car does not have an NCT, it does not mean it isn't road worthy;)

wonski

I can assure you galwaytt that there are insurers who won't send out documents until you post NCT cert back to them. You may be covered until then, but if they don't receive your papers, they will cancel the policy.
I don't remember insurers name, but it could have been Tesco(RSA), Aviva, or Nononsense(FBD).

CiniO

wonski wrote: »

I can assure you galwaytt that there are insurers who won't send out documents until you post NCT cert back to them. You may be covered until then, but if they don't receive your papers, they will cancel the policy.
I don't remember insurers name, but it could have been Tesco(RSA), Aviva, or Nononsense(FBD).

I had the same with Hibernian when I first obtained insurance with them on car which was over 10 years old. They gave disc and cert only valid for a month, and during this time I had to send them confirmation of my previous NCB and NCT cert.

However once they've got it, they were happy to insure it and never asked about valid cert again.

These days though, many insurers put a requirement for a car to be NCT as one of the conditions of the policy, and where car is not NCT, this could invalidate the policy.

Jesus Christ

Someone quoted the legislation here before, which is similar to the MOT legislation quoted above: you can drive the car to and from the NCT centre without tax, regardless of whether it passes or fails.

I've never been asked for or about the NCT by any insurer.

Conchúr

I haven't heard specifics however I have heard reports from several people saying that without an NCT, your insurance is effectively invalad. Really, on a technical anal level, is there a provision one has heard of allowing you to drive to the NCT test centre without insurance or insurance that will cover you?

You can be dam sure that if they mantain the car must be in road worthy condition no insurance company will say their policy covers...

Sam Russell

Jesus Christ wrote: »

Someone quoted the legislation here before, which is similar to the MOT legislation quoted above: you can drive the car to and from the NCT centre without tax, regardless of whether it passes or fails.

I've never been asked for or about the NCT by any insurer.

If the NCT says car is dangerous, you will not be allowed to drive away, for eaxample, if the steering or brakes are dangerous.

djimi

Jesus Christ wrote: »

Someone quoted the legislation here before, which is similar to the MOT legislation quoted above: you can drive the car to and from the NCT centre without tax, regardless of whether it passes or fails.

I've never been asked for or about the NCT by any insurer.

Conchúr wrote: »

I haven't heard specifics however I have heard reports from several people saying that without an NCT, your insurance is effectively invalad. Really, on a technical anal level, is there a provision one has heard of allowing you to drive to the NCT test centre without insurance or insurance that will cover you?

You can be dam sure that if they mantain the car must be in road worthy condition no insurance company will say their policy covers...

Im pretty sure the only provision is that you can drive to and from an NCT center without a valid NCT. The car must be taxed if its in use on a public road, even when going to an NCT center afaik, and it certainly must be insured.

Im not sure about no NCT meaning invalid insurance. I have read in the past that if an insurer can prove that a defect in the car which lead to a failed NCT caused the accident that lead to the claim then they could use it as a way to get out of paying out, but I dont think its as black and white as saying that no NCT = invalid insurance policy. As with anything when it comes to insurance though, it may vary between insurers, and the only definitive answer lies in your policy details.

Jesus Christ

Sam Russell wrote: »

If the NCT says car is dangerous, you will not be allowed to drive away, for eaxample, if the steering or brakes are dangerous.

True, although I was talking about regular fails. I'd guess failed dangerous' are fairly rare. Probably less so as FG+Lab continues on their merry way though....

CiniO

Jesus Christ wrote: »

Someone quoted the legislation here before, which is similar to the MOT legislation quoted above: you can drive the car to and from the NCT centre without tax, regardless of whether it passes or fails.

You can not drive on public road without tax at all.
You can not drive to NCT centre without valid NCT.
You can drive without NCT after failing NCT till the end of that day.


[/QUOTE]
I've never been asked for or about the NCT by any insurer.[/QUOTE]
You might have not been asked about NCT by any insurer, but many of them put it as a requirement in their policy.
F.e. Allianz.

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.
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.

For me it sound pretty straight forward.

mgbgt1978

Sam Russell wrote: »

If the NCT says car is dangerous, you will not be allowed to drive away, for eaxample, if the steering or brakes are dangerous.

Of course you are allowed to drive it away. They are not the guards and have no authority whatsoever to detain your car.
They can advise you that the car "shouldn't" be driven (and that they will inform the guards if you do drive it ).....however they can definitely not stop you from driving the car away from the test centre.

ps. I'm not condoning anybody driving a dangerous vehicle, simply pointing out that the NCT testers have no authority to detain your vehicle.

joujoujou

Of course they can't stop you in such case.

But they will ring AGS as soon as you drive away.

NCT Manual wrote:

Fail Dangerous
When a vehicle is failed because of a dangerous defect (Defects
that constitute a direct and immediate risk to road safety such
that the vehicle should not be used on the road under any
circumstances) the Vehicle Inspector should proceed as follows:
* The customer must be informed:
• Of the existence, extent and nature of the defect.
• That the owner and/or driver of a mechanically propelled
vehicle who drives a mechanically propelled vehicle
in a public place while there is a defect affecting the
vehicle which he knows of or could have discovered by
the exercise of ordinary care and which is such that the
vehicle is, when in motion, a danger to the public shall
be guilty of an offence.
• That in the opinion of NCTS the vehicle is dangerous.
• That the customer must make arrangements to have the
vehicle removed from the test centre.
* A sticker stating “Failed Dangerous” should be attached
to the vehicle
* If the customer states that s/he is going to drive the vehicle:
• Advise that An Garda Síochána will be informed
* If customer drives the vehicle off the premises the incident
must be reported to An Garda Síochána immediately.

brianon

Seems like an appropriate thread for my question. So, similar to op I have a car with no nct and no tax I just got. I transferred my insurance (disc is in the post to me).

Can I get it taxed without an nct ?
If not, an I taking a risk driving if to nct and then to motor tax office to tax it ?

Sam Russell

As I understand it, you can drive to a local NCT centre for a prebooked NCT test without tax or NCT (but you must have insurance) and you can drive it home. You must drive by the most direct (reasonable) route. You may not drive it to the tax office.

Check with your local Garda station to be sure.

corktina

you can tax it with no NCT. Most insurance companies make it a condition that the car has an NCT.

biko

Just leave the NCT info blank on the tax form. They won't care.
You must however put insurance info on the tax form.