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SORD and insurance

  • 25-10-2016 8:19pm
    #1
    Isambard
    Registered Users, Registered Users 2 Posts: 5,795 ✭✭✭


    Some companies insisted a car is NCTd to be insured, but what is the position if you then SORD a car, but still want it covered in case of theft or fire.


Comments

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


    Isambard wrote: »
    Some companies insisted a car is NCTd to be insured, but what is the position if you then SORD a car, but still want it covered in case of theft or fire.

    Aviva refused me renewal. They said they will renew when they receive copy of current tax disc. CAR was declared SORD


  • #3
    Foresty
    Registered Users, Registered Users 2 Posts: 51 ✭✭Foresty


    whats sord?


  • #4
    LD89
    Registered Users, Registered Users 2 Posts: 22 ✭LD89


    Foresty wrote: »
    whats sord?

    SORD
    Statutory
    Off the
    Road
    Declaration


  • #5
    uck51js9zml2yt
    Closed Accounts Posts: 18,268 ✭✭✭✭uck51js9zml2yt


    Plenty of people have SORDs and have their cars insured.
    Get a broker to check it out for you.


  • #6
    Foresty
    Registered Users, Registered Users 2 Posts: 51 ✭✭Foresty


    LD89 wrote: »
    SORD
    Statutory
    Off the
    Road
    Declaration
    Ah right, I googled but was none the wiser.

    Thanks.


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  • #7
    cplwhisper
    Registered Users, Registered Users 2 Posts: 797 ✭✭✭cplwhisper


    Isambard wrote: »
    Some companies insisted a car is NCTd to be insured, but what is the position if you then SORD a car, but still want it covered in case of theft or fire.

    AXA will cover the car under suspension cover. As car is not covered for driving then it's not required to be nct'd as not moving. Fire & theft cover in place and also client still earns their No Claims Bonus/Discount.

    You must return both the Cert & Dosc with written note to suspend. Ya can't simply phone up to do.


  • #8
    mickdw
    Registered Users, Registered Users 2 Posts: 23,686 ✭✭✭✭mickdw


    CiniO wrote: »
    Aviva refused me renewal. They said they will renew when they receive copy of current tax disc. CAR was declared SORD

    I think they smelt a rat in your case though. Was there to an issue of the car actually being in Poland while declared off road here.


  • #9
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    mickdw wrote: »
    I think they smelt a rat in your case though. Was there to an issue of the car actually being in Poland while declared off road here.

    It was irrelevant where car was.
    Insurer couldn't have possibly known where the car was - so it couldn't affect their decision.

    They refused to renew policy, solely based on fact that I failed to post them proof of NCT and TAX when they asked for it.
    Instead of posting NCT and TAX I informed them I can't post them, as car is not NCTed and declared off the road. Then they expalined, they will only offer renewal once car is taxed and NCTed.


  • #10
    Dord
    Closed Accounts Posts: 10,817 ✭✭✭✭Dord


    Did you tell them the facts when you arranged the cover, or only afterwards?


  • #11
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    Dord wrote: »
    Did you tell them the facts when you arranged the cover, or only afterwards?

    No. I didn't tell them that car was declared off the road neither that it had no NCT when I switched policy to it.
    I didn't think it was relevant.


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  • #12
    Aint Eazy Being Cheezy
    Registered Users, Registered Users 2 Posts: 4,632 ✭✭✭Aint Eazy Being Cheezy


    CiniO wrote: »
    No. I didn't tell them that car was declared off the road neither that it had no NCT when I switched policy to it.
    I didn't think it was relevant.

    Here's your problem right here. It's called utmost good faith, you're supposed to declare everything. You just drip feed them information, so they take no chances with you.


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