NCT expired on car in my drive

oxygen

Hey

I usually cant get a conclusive answer for this. I use my car very sporadically. To my fault I missed several services, and the NCT is a year or two out of date.

Does anyone know how I can get it assessed to see if it needs alot of work to pass an NCT? Do mechanics do house calls or tow services? Has anyone done anything like this, can I simply get the car towed to a scrap yard if its prohibitively expensive to get back on the road?

If it makes any difference, I'm in the Carlow area, and its a '96 Golf with 165k km on the clock.

blastman

The obvious question is, can you start the car and does it move?

Neilw

Bring it for an NCT to see what it fails on, cheaper than a mechanic callout.

biko

Just put it through and see what NCT has to say.
Fix anything obvious first, like light bulbs.

oxygen

blastman wrote: »

The obvious question is, can you start the car and does it move?

biko wrote: »

Just put it through and see what NCT has to say.
Fix anything obvious first, like light bulbs.

Thanks for the replies guys! I can start the car, it hasnt moved in a year or so, so not sure how it drives.

One of the changes would need to be replacing a side window which would be a bit expensive. Also, do the NCT cars with no NCT? Isn't that illigal. would they not ask how I got the car there?

biko

You can drive to to test centre without NCT. Or to repair shop after it failed, if it failed.
You need to have insurance and tax to drive on public road so if you have neither you can always get it there on a trailer.

CiniO

biko wrote: »

You can drive to to test centre without NCT.

That's incorrect.
He can't legally drive to NCT centre if his car doesn't have valid NCT.

Or to repair shop after it failed, if it failed.
You need to have insurance and tax to drive on public road

That's correct.

CiniO

oxygen_temp wrote: »

Thanks for the replies guys! I can start the car, it hasnt moved in a year or so, so not sure how it drives.

One of the changes would need to be replacing a side window which would be a bit expensive. Also, do the NCT cars with no NCT? Isn't that illigal. would they not ask how I got the car there?

Of course they do the test on cars which don't hold valid NCT.
They don't ask any questions - it's none of their business how you got there.

But if you feel like you might be pulled over on the way, it's probably better to have your car towed on the truck, assuming it's worth it.
Once you go through NCT and it pass, then you can drive (assuming you have insurance and tax on it).
And even if it fails, you can still drive it (again assuming you have insurance and tax) for the rest of the day. (this is probably to allow you to find a garage to fix your car, but surely if it fails with many faults that you would think is not worth fixing, you can drive it straight to the scrapyard from there.

oxygen

biko wrote: »

You can drive to to test centre without NCT. Or to repair shop after it failed, if it failed.
You need to have insurance and tax to drive on public road so if you have neither you can always get it there on a trailer.

Thanks for clearing that up. I dont want to bother with the tax and insurance for it. Best bet is to give the centre a ring and see if they will NCT it with no tax, insurance or NCT. :rolleyes: Its just that if its too expensive to fix, I'm just not going to bother getting a car insured for ages, I can borrow my dads car if I need it.

djimi

oxygen_temp wrote: »

One of the changes would need to be replacing a side window which would be a bit expensive. Also, do the NCT cars with no NCT? Isn't that illigal. would they not ask how I got the car there?

The NCT wont care a jot what you have on the car. As far as they are concerned the car arrived in their bay and was tested; what happened either end of the test is none of their concern.

Anecdotally speaking you will probably be fine provided you have current tax and insurance, and can show that you are en route to the test center if you get stopped by a Garda. Its not strictly legal, but most Gardai will show leniency. Of course, most is not all, so its up to you if you want to take a chance!

djimi

oxygen_temp wrote: »

Thanks for clearing that up. I dont want to bother with the tax and insurance for it. Best bet is to give the centre a ring and see if they will NCT it with no tax, insurance or NCT. :rolleyes: Its just that if its too expensive to fix, I'm just not going to bother getting a car insured for ages, I can borrow my dads car if I need it.

If you dont wish to tax or insure it then you need to put it on the back of a truck. A towed car still needs to be taxed and more importantly insured.

oxygen

Right, let me price a tow to and from the centre, its definitely going to fail. I will see at the weekend if its still runs, just in case I need it to run.

oxygen

djimi wrote: »

If you dont wish to tax or insure it then you need to put it on the back of a truck. A towed car still needs to be taxed and more importantly insured.

urgh, its for the scrap yard then more than likely. I will be at least a couple of 100 getting it insured and taxed, on top of likely repair cost

biko

CiniO wrote: »

That's incorrect.
He can't legally drive to NCT centre if his car doesn't have valid NCT.

Aah, it's discussed here where it's said it was changed.

Anyway, I'd like to see the garda that stops and fines you on the way to the test for "no test"

Cheensbo

oxygen_temp wrote: »

Right, let me price a tow to and from the centre, its definitely going to fail. I will see at the weekend if its still runs, just in case I need it to run.

The car will have to run in order to be tested

It doesnt need to be insured, taxed or nct'd for the test,

How you get it there is none of their concern whatsoever.

The way i see it, you've these choices:

Drive it there - bad choice (perhaps someone with extension driving on their policy could drive it for you though)

Insure it yourself and drive it there (or transfer your current policy for the day if you have one)

Insure it, tax it and drive it there (no point taxing it if its possibly only going to see road for one day)

Get it trailered - if you have a friend/relative with one, (best option of all)

Get it brought on a recovery truck - (expensive)

djimi

Cheensbo wrote: »

Drive it there - bad choice (perhaps someone with extension driving on their policy could drive it for you though)

While policies differ from person to person, its unlikely third party extension will cover a car that is not taxed or NCT'd (ie not road legal).

renofan

biko wrote: »

Aah, it's discussed here where it's said it was changed.

Anyway, I'd like to see the garda that stops and fines you on the way to the test for "no test"

I went through a checkpoint in my car in which the NCT cert was 5 years out of date. The guard smiled and said I'd want to get that sorted. I did about a year later! Them were the days.......

Cheensbo

djimi wrote: »

While policies differ from person to person, its unlikely third party extension will cover a car that is not taxed or NCT'd (ie not road legal).

I can't speak for them all, but axa & fbd & quinn (when they were quinn) didnt need nct for extension driving or for paying out on claims for that matter. , they require roadworthiness - which an nct does not necessarily denote. and is an entirely subjective matter.


Tax shmax. there's far too much emphasis on tax around here.

Tax has nothing to do with insurance companies.

djimi

Cheensbo wrote: »

I can't speak for them all, but axa & fbd & quinn (when they were quinn) didnt need nct for extension driving or for paying out on claims for that matter. , they require roadworthiness - which an nct does not necessarily denote. and is an entirely subjective matter.


Tax shmax. there's far too much emphasis on tax around here.

Tax has nothing to do with insurance companies.

In the legal sense a car that is without tax or NCT is not roadworthy. Id be very careful about how you interpret the wording in your policy; you might be right and it might not affect your insurance at all, but I wouldnt want to find out the hard way!

CiniO

Cheensbo wrote: »

I can't speak for them all, but axa & fbd & quinn (when they were quinn) didnt need nct for extension driving or for paying out on claims for that matter. , they require roadworthiness - which an nct does not necessarily denote. and is an entirely subjective matter.


Tax shmax. there's far too much emphasis on tax around here.

Tax has nothing to do with insurance companies.

Allianz introduced requirement for NCT stated in their policy only last year.

furtzy

CiniO wrote: »

Allianz introduced requirement for NCT stated in their policy only last year.

My RSA policy through the AA states NCT requirement as well

cadaliac

furtzy wrote: »

My RSA policy through the AA states NCT requirement as well

I just called 123.ie (who are underwritten by RSA) and my policy is still vlaid without an up to date NCT.
I have a 3pft policy, but she did say that in the event of a payout - to the third party, an insurance assessor would be sent out to the car and see if the car was roadworthy or not.
So if my car had a bald tyre, rust on/in the structure or something that deemed the car to be un-roadworthy - no insurance payout.
You will however still have a valid policy, even without an NCT.

Anyway OP, is the car really worth all this hassle?
A '96 Golf with ~165k miles up is worth a few hundered quid.
It might cost you that to get it right.
Look on the Bangernomics thread - you can pick up a car with valid NCT, and running, for sub €1000.
You could get €150 to scrap your own.

Just a suggestion....

Cheensbo

djimi wrote: »

In the legal sense a car that is without tax or NCT is not roadworthy. Id be very careful about how you interpret the wording in your policy; you might be right and it might not affect your insurance at all, but I wouldnt want to find out the hard way!

I question the tax issue, tax does not affect the performance/handling etc etc of a car, as the lad says: "she still runs without it" I dont know how it could be linked to insurance...

Ive discussed it enough times with them re: nct, ive even made a claim on a motor that had no test/tax, and there was no issue at all, but as you say, it depends on the company and im not stating its the same across the board..

CiniO wrote: »

Allianz introduced requirement for NCT stated in their policy only last year.

I wonder do they count a valid nct as full proof of roadworthiness, considering the nct dont..

CiniO

Cheensbo wrote: »

I wonder do they count a valid nct as full proof of roadworthiness, considering the nct dont..

No, I'm sure they don't.
But there is probably nothing stopping them from making valid NCT a requirement in policy.

The same way they require a driver to have a driving license (and refuse to pay if he don't have one), while in fact holding a driving license don't prove that driver is competent to drive - it just proves he was competent to drive during the driving test, exactly the same as NCT proved that car was roadworthy during the test.

Cheensbo

CiniO wrote: »

No, I'm sure they don't.
But there is probably nothing stopping them from making valid NCT a requirement in policy.

The same way they require a driver to have a driving license (and refuse to pay if he don't have one), while in fact holding a driving license don't prove that driver is competent to drive - it just proves he was competent to drive during the driving test, exactly the same as NCT proved that car was roadworthy during the test.

That's true, they can put anything they like in the conditions, and its up to the customer to accept them or go elsewhere.

Fair points

oxygen

cadaliac wrote: »

I just called 123.ie (who are underwritten by RSA) and my policy is still vlaid without an up to date NCT.
I have a 3pft policy, but she did say that in the event of a payout - to the third party, an insurance assessor would be sent out to the car and see if the car was roadworthy or not.
So if my car had a bald tyre, rust on/in the structure or something that deemed the car to be un-roadworthy - no insurance payout.
You will however still have a valid policy, even without an NCT.

Anyway OP, is the car really worth all this hassle?
A '96 Golf with ~165k miles up is worth a few hundered quid.
It might cost you that to get it right.
Look on the Bangernomics thread - you can pick up a car with valid NCT, and running, for sub €1000.
You could get €150 to scrap your own.

Just a suggestion....

Thanks for all the relies guys, its a really gray area, that cleared it up a lot though. I think as Cadaliac mentions above, its not really worth holding on to, Im just a bit overly attached since it was/is my first car

If I can get €150 scrappage for it, I would be doing well to get it out of my drive. With a busted window taped over, its making the house look fairly ugly, like the poor peoples house on "Keeping Up Appearances" :P

Bigus

What make model and year is it ?

djimi

Cheensbo wrote: »

I question the tax issue, tax does not affect the performance/handling etc etc of a car, as the lad says: "she still runs without it" I dont know how it could be linked to insurance...

All I am saying is that legally a car that does not have tax/NCT is not supposed to be on the road. Id just be careful how I interpret "roadworthy"; its probable that it just means from a safety point of view, but if it is left ambiguous in the policy then I wouldnt take it for granted that they are not talking about from a road legal point of view.

Kopparberg Strawberry and Lime

CiniO wrote: »

Of course they do the test on cars which don't hold valid NCT.
They don't ask any questions - it's none of their business how you got there.

But if you feel like you might be pulled over on the way, it's probably better to have your car towed on the truck, assuming it's worth it.
Once you go through NCT and it pass, then you can drive (assuming you have insurance and tax on it).
And even if it fails, you can still drive it (again assuming you have insurance and tax) for the rest of the day. (this is probably to allow you to find a garage to fix your car, but surely if it fails with many faults that you would think is not worth fixing, you can drive it straight to the scrapyard from there.

ive had a customer complain at me once because they were driving to have their car tested, had the confirmation letter and text on the phone and the disc wasnt long out of date,

got stopped on the way and car taken off them and got a fine and penalty points for no NCT.

it happens , even with the booking and on the way to the test !

Kopparberg Strawberry and Lime

djimi wrote: »

All I am saying is that legally a car that does not have tax/NCT is not supposed to be on the road. Id just be careful how I interpret "roadworthy"; its probable that it just means from a safety point of view, but if it is left ambiguous in the policy then I wouldnt take it for granted that they are not talking about from a road legal point of view.

i agree.

its very simple,

driving without tax/nct and have an accident even if its not your fault it can still be your fault as your car is not in a roadworthy condition without tax/nct and therefore your fault as the car should not have being on the road.

but sure then all you need is the garda at the scene doing you for no tax or nct at the same time as the accident being your fault even if it wasnt.

Sparkinthedart

Bigus wrote: »

What make model and year is it ?

oxygen_temp wrote: »

'96 Golf with 165k km on the clock.

Best of luck Oxygen, whatever way you go :pac:

Cheensbo

djimi wrote: »

All I am saying is that legally a car that does not have tax/NCT is not supposed to be on the road. Id just be careful how I interpret "roadworthy"; its probable that it just means from a safety point of view, but if it is left ambiguous in the policy then I wouldnt take it for granted that they are not talking about from a road legal point of view.

Fair enough, and im not advising anyone either way, but i guess my point is, if everything was followed exactly to the letter of the law 100% of the time, we'd never get much done.

Kopparberg Strawberry and Lime wrote: »

i agree.

its very simple,

driving without tax/nct and have an accident even if its not your fault it can still be your fault as your car is not in a roadworthy condition without tax/nct and therefore your fault as the car should not have being on the road.

but sure then all you need is the garda at the scene doing you for no tax or nct at the same time as the accident being your fault even if it wasnt.

Being honest, id take my chances to drive to the nct centre. And imo noone in their right mind would tax a car for three months in order to drive it to its test.

So if someone drives into the back of you in a queue of traffic, it will be your fault, because your car had no tax?

The words can/may are a bit ambiguous by their own nature, when walking down the street, you may be struck by a falling airplane, but, chances are, you won't.

Kopparberg Strawberry and Lime

Cheensbo wrote: »

Being honest, id take my chances to drive to the nct centre. And imo noone in their right mind would tax a car for three months in order to drive it to its test.

So if someone drives into the back of you in a queue of traffic, it will be your fault, because your car had no tax?

The words can/may are a bit ambiguous by their own nature, when walking down the street, you may be struck by a falling airplane, but, chances are, you won't.

like i say i thought "sure be grand" a few weeks ago until your woman got her car taken off her, fine and 5 points on the license while on the way to the NCT test with all the booking confirmation she could get. the offense itself is a vehicle in a public place without a test certificate disc in the window.,

you have to think like your insurance company who would just look for any reason not to pay out for something thats your fault, then you have to think the other person that hits you that they will send an assessor to your car and check it all, anytime ive had an accident they have always checked my tax, ins and NCT information. they will look for an excuse not to pay out and thats what they will use.

but then again , take the chance if you want, nobody is going to stop you, just bear in mind the gardai seem to be in a bad mood lately because of croke park etc.

djimi

Cheensbo wrote: »

Fair enough, and im not advising anyone either way, but i guess my point is, if everything was followed exactly to the letter of the law 100% of the time, we'd never get much done.

When it comes to motor insurance you would want to be pretty stupid not to 100% follow the letter of the law to be fair.

Cheensbo wrote: »

So if someone drives into the back of you in a queue of traffic, it will be your fault, because your car had no tax?

If someone drives into the back of you then their insurance covers the damage regardless. However, if the Gardai arrive at the scene and it later transpires that you were driving without valid insurance, then you could have a bit of a problem on your hands...

Cheensbo

djimi wrote: »

When it comes to motor insurance you would want to be pretty stupid not to 100% follow the letter of the law to be fair.

Hold on now, law or insurance underwriting criteria?

I am well aware, as i said, of my requirements to my insurance policy, and nct/tax are not part of it.

djimi wrote: »

If someone drives into the back of you then their insurance covers the damage regardless. However, if the Gardai arrive at the scene and it later transpires that you were driving without valid insurance, then you could have a bit of a problem on your hands...

I didn't mention driving without insurance, i said driving without tax.

TBH im yet to see a policy that requires tax in order to be covered.

As Cinio linked, a few of the companies now explicitly require nct, most don't.


Anyway,



The op should probably scrap his motor. :pac:

CiniO

Kopparberg Strawberry and Lime wrote: »

i agree.

its very simple,

driving without tax/nct and have an accident even if its not your fault it can still be your fault as your car is not in a roadworthy condition without tax/nct and therefore your fault as the car should not have being on the road.

Sorry but that makes very little sense.

If you are not at fault of the accident (meaning that the way you drive wasn't a reason accident happen), then any paperwork missing can not change this.
You can not miraculously become liable for accident, just because you didn't have paperwork.
And while indeed without appropriate paperwork car shouldn't be on the road, but if it is, it can not make drive automatically liable for accident.

Imagine illegal imigrant in Ireland who is here without any paperwork.
He shouldn't be in this country.
But if he get's shot in the middle of the street by some gang, you can't say it was his fault as he shouldn't be here in the first place.

Kopparberg Strawberry and Lime

CiniO wrote: »

Sorry but that makes very little sense.

If you are not at fault of the accident (meaning that the way you drive wasn't a reason accident happen), then any paperwork missing can not change this.
You can not miraculously become liable for accident, just because you didn't have paperwork.
And while indeed without appropriate paperwork car shouldn't be on the road, but if it is, it can not make drive automatically liable for accident.

Imagine illegal imigrant in Ireland who is here without any paperwork.
He shouldn't be in this country.
But if he get's shot in the middle of the street by some gang, you can't say it was his fault as he shouldn't be here in the first place.

it makes little sense but It could be written into your insurance agreement and affect your insurance directly etc.

just the way it is... I didn't make it up

Cheensbo

Kopparberg Strawberry and Lime wrote: »

it makes little sense but It could be written into your insurance agreement and affect your insurance directly etc.

just the way it is... I didn't make it up

Does it exist, or are you saying its a possibility??

Kopparberg Strawberry and Lime

Cheensbo wrote: »

Does it exist, or are you saying its a possibility??

ask your insurance company ... they are the ones to tell you

I have had insurance companies call the office and ask if a car of their customers has nct or is it booked so there must be something to it.

Cheensbo

Kopparberg Strawberry and Lime wrote: »

ask your insurance company ... they are the ones to tell you

I have had insurance companies call the office and ask if a car of their customers has nct or is it booked so there must be something to it.

But that's straying from your point that Cinio queried,

They cannot assign the blame for an accident based on pieces of paper in a windscreen.

Kopparberg Strawberry and Lime wrote: »

driving without tax/nct and have an accident even if its not your fault it can still be your fault as your car is not in a roadworthy condition without tax/nct and therefore your fault as the car should not have being on the road.

CiniO

Kopparberg Strawberry and Lime wrote: »

it makes little sense but It could be written into your insurance agreement and affect your insurance directly etc.

just the way it is... I didn't make it up

Oh yes, it can be written in your policy that they will provide cover only if you have valid NCT. I assume it's up to them, but maybe I'm wrong.

But still - even if you don't have NCT and there is an accident in which you are not in fault, then you still are not in fault.
And it will have to be other party insurer who will eventually pay for damage to your car.

djimi

Kopparberg Strawberry and Lime wrote: »

it makes little sense but It could be written into your insurance agreement and affect your insurance directly etc.

just the way it is... I didn't make it up

If you are in an accident and are not at fault then it doesnt matter what is written into your policy as it is the other parties policy that will be paying out. And they couldnt write something into their policy that would see them getting out of paying out on a claim just because the other party is not properly insured/taxed/NCTd or whatever.

furtzy

cadaliac wrote: »

I just called 123.ie (who are underwritten by RSA) and my policy is still vlaid without an up to date NCT.
I have a 3pft policy, but she did say that in the event of a payout - to the third party, an insurance assessor would be sent out to the car and see if the car was roadworthy or not.
So if my car had a bald tyre, rust on/in the structure or something that deemed the car to be un-roadworthy - no insurance payout.
You will however still have a valid policy, even without an NCT.

Anyway OP, is the car really worth all this hassle?
A '96 Golf with ~165k miles up is worth a few hundered quid.
It might cost you that to get it right.
Look on the Bangernomics thread - you can pick up a car with valid NCT, and running, for sub €1000.
You could get €150 to scrap your own.

Just a suggestion....

NCT requirement mentioned in their policy doc.

http://www.123.ie/downloads/rsamotorpolicy0412.pdf

pg 30 Section 5.

5. Care of Your Car
Your Car must be covered by a valid Department of Transport NCT Test Certificate, if you need one by law.


I knew I remember it was mentioned on mine