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Insurance Assessor and NCT/Service Record

  • 20-02-2014 4:17pm
    #1
    AnCatDubh
    Registered Users, Registered Users 2 Posts: 6,393 ✭✭✭


    Folks, Just a quick question as to dealing with an insurance assessor. A car belonging to a family member is in a write off situation (not their fault, but thats probably irrelevant in terms of my query).

    The assessor has been on to them to discuss the value and raised the car's NCT. While the NCT was out, the test was booked. He said that it wouldn't affect the claim but would affect the pre-crash value of the car. He was also looking for service record. The car was only purchased in recent months and hence we hadn't had it back in to a garage for a service.

    Anyhow, just wondering from those with experience of Insurance Assessors, what is the impact of the car being of a - "booked but waiting on NCT"/NCT not present - on the pre crash value of the car. And as to their angle on the servicing? Surely be to god, they're not going to have our family member start chasing the previous owners to see what the service record was like?

    Thanks for any advice. Cheers.


Comments

  • #2
    SleeperService
    Closed Accounts Posts: 372 ✭✭SleeperService


    Funny how they cant make their valuation system available to you when you are trying to come up with a figure to insure it for.


  • #3
    slimjimmc
    Registered Users, Registered Users 2 Posts: 7,786 ✭✭✭slimjimmc


    No experience with assessors but I can see where he's coming from, a car with no NCT could have a slightly reduced market value. It doesn't matter if you've a test booked the fact is the car, as it stands, has not been verified recently. If the crash never happened and your family member were to sell the car in the morning you can be fairly sure a prospective buyer would try to knock down the price based on the lack of NCT even though an NCT is no proof or guarantee of the cars condition.

    How long ago did the NCT expire?


  • #4
    AnCatDubh
    Registered Users, Registered Users 2 Posts: 6,393 ✭✭✭AnCatDubh


    slimjimmc wrote: »
    No experience with assessors but I can see where he's coming from, a car with no NCT could have a slightly reduced market value. It doesn't matter if you've a test booked the fact is the car, as it stands, has not been verified recently. If the crash never happened and your family member were to sell the car in the morning you can be fairly sure the seller would try to knock down the price based on the lack of NCT.

    If fairness to them, I think its a reasonable point too - albeit outside of the car owners control at this point. I can see where he's coming from.

    Just wondering how much that would affect the pre-crash value? 5%, 10%, 20%?

    Thanks.


  • #5
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    Same thing with servicing.
    Car which have a full service history documented by the main dealer will have bigger resale value then ones without any service history.

    He is just trying to knock down the value of the car as much as he can.


  • #6
    Anan1
    Registered Users, Registered Users 2 Posts: 22,815 ✭✭✭✭Anan1


    CiniO wrote: »
    Same thing with servicing.
    Car which have a full service history documented by the main dealer will have bigger resale value then ones without any service history.

    He is just trying to knock down the value of the car as much as he can.
    This. As long as you didn't overpay for a car without a SH it'll all even out.


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