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Accident with no NCT

  • 30-05-2016 10:58pm
    #1
    Jigsaw 27
    Registered Users, Registered Users 2 Posts: 19 ✭


    Hi All

    Bought a car last month with a very short NCT . Never got around to testing it or booking a test. Had a small accident and am without blame but the NCT expired 3 weeks before the accident. Am I still insured ?

    Thanks


Comments

  • #2
    The Sidewards Man
    Banned (with Prison Access) Posts: 1,570 ✭✭✭The Sidewards Man


    What does your insurance fine print say?


  • #3
    Jesus.
    Banned (with Prison Access) Posts: 4,794 ✭✭✭Jesus.


    If you're without blame it'll be the other person's insurance paying out.


  • #4
    Jigsaw 27
    Registered Users, Registered Users 2 Posts: 19 ✭Jigsaw 27


    The Sidewards Man wrote: »
    What does your insurance fine print say?

    Hi there. I have not had a chance to check. Was waiting to see my solicitor today but he is off for a few days. Just a bit worried. The guards were not called to the scene but there may be a claim.

    Thanks


  • #5
    Jigsaw 27
    Registered Users, Registered Users 2 Posts: 19 ✭Jigsaw 27


    Jesus. wrote: »
    If you're without blame it'll be the other person's insurance paying out.

    But if I had no NCT should I be on the road at all ?


  • #6
    XR3i
    Site Banned Posts: 6,498 ✭✭✭XR3i


    Jigsaw 27 wrote: »
    But if I had no NCT should I be on the road at all ?


    the roadworthiness or not of your car didn't cause the accident as you are without blame, ipso facto your car is also without blame


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  • #7
    Jigsaw 27
    Registered Users, Registered Users 2 Posts: 19 ✭Jigsaw 27


    XR3i wrote: »
    the roadworthiness or not of your car didn't cause the accident as you are without blame, ipso facto your car is also without blame

    Thanks. Fingers crossed.


  • #8
    XR3i
    Site Banned Posts: 6,498 ✭✭✭XR3i


    Jigsaw 27 wrote: »
    Thanks. Fingers crossed.

    would be a good idea now to book the nct, easy to do online :)


  • #9
    pablo128
    Closed Accounts Posts: 6,219 ✭✭✭pablo128


    Happened my sister. She had no tax or nct (both were well out) and she t boned a Land Rover which pulled into her path.The Land Rover was at fault. The insurance paid out for her car which was a write off, but they said they would have given more if it was nct'd. She still got a fair price for it.

    The guard rang my father that evening while my sister and nephew were still in the hospital as a courtesy call. He mentioned the tax and nct. I had put an engine into the car 2 weeks previous and had a receipt for the engine from a breakers. Quick as a flash the auld lad told the guard it was off the road for ages and just had the engine fitted. The guard was happy with that and didn't do her.


  • #10
    Jesus.
    Banned (with Prison Access) Posts: 4,794 ✭✭✭Jesus.


    Jigsaw 27 wrote: »
    But if I had no NCT should I be on the road at all ?

    Not really. Get your test done :)


  • #11
    Atlantic Dawn
    Registered Users, Registered Users 2 Posts: 84,707 ✭✭✭✭Atlantic Dawn
    M


    What condition is the car in, ie has it any major defects like bald tyres etc? The insurers would normally send out someone to inspect your vechicle. The other insurer will pay out but they might try to low ball your car value with no valid NCT.


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  • #12
    XR3i
    Site Banned Posts: 6,498 ✭✭✭XR3i


    so if you should have not been on the road, then the other car would not have hit you, had you not have been on the road


  • #13
    pablo128
    Closed Accounts Posts: 6,219 ✭✭✭pablo128


    XR3i wrote: »
    so if you should have not been on the road, then the other car would not have hit you, had you not have been on the road

    Doesn't matter. If he is insured and has working lights and good tyres, he'll get paid out for the damage.

    There's a possibility of 5 points for no nct though. Were the guards involved at all?


  • #14
    Jesus.
    Banned (with Prison Access) Posts: 4,794 ✭✭✭Jesus.


    XR3i wrote: »
    so if you should have not been on the road, then the other car would not have hit you, had you not have been on the road

    We're going into the realms of philosophy now


  • #15
    savagethegoat
    Closed Accounts Posts: 2,297 ✭✭✭savagethegoat


    pablo128 wrote: »
    Doesn't matter. If he is insured and has working lights and good tyres, he'll get paid out for the damage.

    There's a possibility of 5 points for no nct though. Were the guards involved at all?

    it's 3 points nowadays....used to be mandatory court appearance and 5 points on conviction. Now 3 points at the roadside


  • #16
    Junkyard Tom
    Registered Users, Registered Users 2 Posts: 10,117 ✭✭✭✭Junkyard Tom


    Jesus. wrote: »
    We're going into the realms of philosophy now

    Schrodinger's Cat D write-off.


  • #17
    Del2005
    Registered Users, Registered Users 2 Posts: 19,100 ✭✭✭✭Del2005


    pablo128 wrote: »
    Doesn't matter. If he is insured and has working lights and good tyres, he'll get paid out for the damage.

    There's a possibility of 5 points for no nct though. Were the guards involved at all?

    Most policies require the vehicle to have a NCT to be valid.


  • #18
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    pablo128 wrote: »
    Doesn't matter. If he is insured and has working lights and good tyres, he'll get paid out for the damage.

    There's a possibility of 5 points for no nct though. Were the guards involved at all?

    It doesn't matter if op was insured or not, as its not his fault so other party insurer will be paying


  • #19
    RootX
    Registered Users, Registered Users 2 Posts: 275 ✭✭RootX


    Jigsaw 27 wrote: »
    The guards were not called to the scene but there may be a claim.

    Thanks

    Who is claiming from whom? Has the other party admitted responsibility and is their insurance ok with that?


  • #20
    Jigsaw 27
    Registered Users, Registered Users 2 Posts: 19 ✭Jigsaw 27


    pablo128 wrote: »
    Doesn't matter. If he is insured and has working lights and good tyres, he'll get paid out for the damage.

    There's a possibility of 5 points for no nct though. Were the guards involved at all?

    No guards as of yet.


  • #21
    Jigsaw 27
    Registered Users, Registered Users 2 Posts: 19 ✭Jigsaw 27


    RootX wrote: »
    Who is claiming from whom? Has the other party admitted responsibility and is their insurance ok with that?

    Don't know if their insurance company is ok with it or not but the driver signed a note that he would pay.


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  • #22
    Jigsaw 27
    Registered Users, Registered Users 2 Posts: 19 ✭Jigsaw 27


    pablo128 wrote: »
    Doesn't matter. If he is insured and has working lights and good tyres, he'll get paid out for the damage.

    There's a possibility of 5 points for no nct though. Were the guards involved at all?




    Spot on . All sorted. Got paid a fair price for the car. I was advised to go to Gardai myself but they showed little interest. All Finished now anyways.


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