NCT help

Jamesyboid88

Hi I'm due to get my car nct done next week and just wondering if someone else can take it there for me. The car has been off road for nearly two years there is no insurance or tax on the car. Would that be a major issue also. I havnt a clue about cars

coylemj

Can't advise on the tax issue but on insurance cover, you can get someone with their own policy to drive it there provided they have 'driving other cars' cover on their own policy They will have an issue of driving a car with no insurance disc so in case they are stopped by the Gardai, it would be highly advisable that they carry their own insurance cert with them.

Which will bring people out of the woodwork to say that.....

1. You can't be covered if the car doesn't have NCT - not true in respect of 3rd party cover

2. You can't be covered unless the car has it's own policy - not true and never was.

CD8ED

coylemj wrote: »

2. You can't be covered unless the car has it's own policy - not true and never was.

Really? Is this on your policy or all policies? Do you have proof?

Not being pedantic, I just really thought the car in question had to have a policy of its own.

mickdw

CD8ED wrote: »

Really? Is this on your policy or all policies? Do you have proof?

Not being pedantic, I just really thought the car in question had to have a policy of its own.

I have driving other cars with axa. I am fully comp on the other car as long as I have permission of the owner and the car is road legal - this could mean tax and test so id be wary of using this extension if car was not fully road legal. On my policy, the car does not need to have any insurance on it whatsoever.
On older policies I've had, it was true that the other car had to have a valid policy in place.
I believe in UK, they have now returned to all cars on the road having to have a policy in place

Seth Brundle

If there is a risk of penalty points for driving with no NCT and as you have no insurance or tax, would you not just arrange someone (e.g. family) to accompany it on a tow truck?

The Mulk

I recently rang my insurance company to transfer my insurance for a weekend to a car with no NCT, was told they wouldn't transfer my insurance over, but would allow me to keep my insurance on my existing car and would be covered to drive this car , 3rd party.
Most policies allow you to drive any other car 3rd party. I think you can't be the registered owner and obviously need permission

CD8ED

mickdw wrote: »

I have driving other cars with axa. I am fully comp on the other car as long as I have permission of the owner and the car is road legal - this could mean tax and test so id be wary of using this extension if car was not fully road legal. On my policy, the car does not need to have any insurance on it whatsoever.
On older policies I've had, it was true that the other car had to have a valid policy in place.
I believe in UK, they have now returned to all cars on the road having to have a policy in place

Cheers, I must have a look at my policy when I get home. Maybe insurance providers don't want this to be common knowledge!?:rolleyes:

coylemj

CD8ED wrote: »

Really? Is this on your policy or all policies? Do you have proof?

Not being pedantic, I just really thought the car in question had to have a policy of its own.

You're asking me to prove a negative. The condition is not on my policy, is that proof enough?

Most policies state that cover under 'driving other cars' only cuts in if the other car has no policy. What this means is that if I borrow my neighbour's car and knock someone down, my insurance will only pay out if I can't claim under the owner's policy. So contrary to what a lot of people think, you effectively only have cover under 'driving other cars' when the other car has no policy.

slimjimmc

mickdw wrote: »

I have driving other cars with axa. I am fully comp on the other car as long as I have permission of the owner and the car is road legal - this could mean tax and test so id be wary of using this extension if car was not fully road legal. On my policy, the car does not need to have any insurance on it whatsoever.
On older policies I've had, it was true that the other car had to have a valid policy in place.
I believe in UK, they have now returned to all cars on the road having to have a policy in place

AXA policy requires the borrowed car to have a valid NCT and probably tax too.

• the other vehicle is properly compliant with a valid NCT test certificate
• the other vehicle is properly compliant with road traffic legislation

http://www.axa.ie/download/axa-car-insurance-policy-post-031014.pdf

coylemj

slimjimmc wrote: »

AXA policy requires the borrowed car to have a valid NCT and probably tax too.

I think you'll find that those conditions are listed under 'Loss or damage to the car you borrowed' i.e. they only apply to fully comp cover when driving other cars, there is no such condition for 3rd party cover.

mickdw

slimjimmc wrote: »

AXA policy requires the borrowed car to have a valid NCT and probably tax too.

http://www.axa.ie/download/axa-car-insurance-policy-post-031014.pdf

Yes, I figured that was what it said.
On a side note, I called axa to temp change my policy onto sisters car to take it for nct test. It still had valid test. They didn't want to do the swap as I had this extension. I then said there was no tax on it and the chap said it didn't matter. I pointed out that their conditions required the car to be road legal. After much bullsh1t, they did a temporary swap of my policy.

Flood

Borrow a car transporter and be done with it.

mickdw

coylemj wrote: »

I think you'll find that those conditions are listed under 'Loss or damage to the car you borrowed' i.e. they only apply to fully comp cover when driving other cars, there is no such condition for 3rd party cover.

Thats interesting. I must look into that.
Another question,
Alot of young lads are driving powerful cars on this extension. I know powerful cars are excluded on mine but again perhaps it's only for the comprehensive part.

CD8ED

coylemj wrote: »

You're asking me to prove a negative. The condition is not on my policy, is that proof enough?

Most policies state that cover under 'driving other cars' only cuts in if the other car has no policy. What this means is that if I borrow my neighbour's car and knock someone down, my insurance will only pay out if I can't claim under the owner's policy. So contrary to what a lot of people think, you effectively only have cover under 'driving other cars' when the other car has no policy.

Interesting, never knew this before. I really have to read documents more before I agree to their conditions so!

coylemj

Axa states the NCT requirement on P15 & 16 under the heading 'Loss of or damage to a car you are driving which is temporarily borrowed from another person' - this is where you have fully comp cover when driving other cars.

On P. 22 under 'Driving other cars' which deals with 3rd part cover when driving other cars, they state the following conditions only....

1b Driving other cars

This cover will also apply if you are driving any other car which your certificate of insurance covers you to drive. If you are covered to drive other cars, it will be shown in section 5(b) of your certificate of insurance.

This cover only applies if:

• you do not own the car or you have not hired the car under a hire-purchase agreement;
• it is shown that this cover applies under section 5(b) of your certificate of insurance;
• you have the owner’s permission to drive the car; and
• the vehicle is being used within the ‘limits for use’ shown in your current certificate of motor insurance.

This cover applies to damage or injury happening in Ireland and the UK only.

This extension applies only to private passenger vehicles. It does not include vans, car-vans, jeeps with no seats in the back or vans adapted to carry passengers.


There is no requirement that the borrowed car has an NCT cert or is taxed.

slimjimmc

^ Yep, had read the wrong section.

_Brian

I thought you couldnt NCT a car that wasn't tax'd ??