NCT renewal versus tax & insurance renewal?

Dinarius

Have hit a blind spot on this, so just to be sure....

My NCT disc has just expired.

But, my tax isn't due until August, and insurance not until September.

Must I have the car NCT'd now, or can I wait?

Thanks.

D.

SCOOP 64

why not get it NCT'd now?

Needles73

Dinarius wrote: »

Have hit a blind spot on this, so just to be sure....

My NCT disc has just expired.

But, my tax isn't due until August, and insurance not until September.

Must I have the car NCT'd now, or can I wait?

Thanks.

D.

No it cannot wait

Reputable Rog

Dinarius wrote: »

Have hit a blind spot on this, so just to be sure....

My NCT disc has just expired.

But, my tax isn't due until August, and insurance not until September.

Must I have the car NCT'd now, or can I wait?

Thanks.

D.

No you can't wait, do it yesterday.

jca

Last year my insurer asked for a picture of my tax and insurance discs.

how.gareth

Dinarius wrote: »

Have hit a blind spot on this, so just to be sure....

My NCT disc has just expired.

But, my tax isn't due until August, and insurance not until September.

Must I have the car NCT'd now, or can I wait?

Thanks.

D.

It's fierce illegal to have no nct so get yourself booked in asap

Needles73

jca wrote: »

Last year my insurer asked for a picture of my tax and insurance discs.

Your insurer asked for a picture of your insurance disc.......? nct disc I think

Dinarius

Thanks all.

Will sort it next week.

D.

jca

Needles73 wrote: »

Your insurer asked for a picture of your insurance disc.......? nct disc I think

Oops, tax and Nct discs.

grogi

Dinarius wrote: »

Have hit a blind spot on this, so just to be sure....

My NCT disc has just expired.

But, my tax isn't due until August, and insurance not until September.

Must I have the car NCT'd now, or can I wait?

Thanks.

D.

There is no point in delaying NCT, a new cert will expire a year or two from the previous expiration date.


However, it can wait. You need tax and insurance to drive to Nct centre. You need insurance to tax the car.

grogi

how.gareth wrote: »

It's fierce illegal to have no nct so get yourself booked in asap

No, it is not... You can even, under some circumstances, drive a car without NCT.

Dinarius

grogi wrote: »

There is no point in delaying NCT, a new cert will expire a year or two from the previous expiration date.

You read my mind.

Yes, I thought I could delay it and bring it into line with insurance and/or tax.

Evidently not.

Thanks.

D.

Yawns

If you NCT it in 4 months time you gain nothing anyway. The cert is issued for 1 or 2 year(s) for when it was due. You don't gain any months. It's also a fine and penalty points if caught. Not worth it. If car is in good roadworthy condition, you are as well to just get it tested. Not all insurance companies will ask for tax or nct certs. In fact, I've never been asked and I usually switch insurance companies every year.

pippip

grogi wrote: »

No, it is not... You can even, under some circumstances, drive a car without NCT.

If caught driving without is it not now €80 and 2 points?

jca

pippip wrote: »

If caught driving without is it not now €80 and 2 points?

If you can prove you're driving to or from the test centre you aren't breaking the law ( a direct copy of the "no mot" law in the UK)

CiniO

jca wrote: »

If you can prove you're driving to or from the test centre you aren't breaking the law ( a direct copy of the "no mot" law in the UK)

That's incorrect.
It's illegal to drive without NCT, even to the test centre for the prebooked test.

tanko

grogi wrote: »

There is no point in delaying NCT, a new cert will expire a year or two from the previous expiration date.


However, it can wait. You need tax and insurance to drive to Nct centre. You need insurance to tax the car.

A car can be taxed without it being insured.

grogi

tanko wrote: »

A car can be taxed without it being insured.

Make yourself acquainted with note C3 on RF100a. Sure - technically you can tax a car without insurance - just provide a number and expiration date from thin air. But you'd be willingly providing false information, might come back to bite you...

jca

CiniO wrote: »

That's incorrect.
It's illegal to drive without NCT, even to the test centre for the prebooked test.

No it's not.

Del2005

jca wrote: »

No it's not.

Yes it is. There's an exemption for cars from non connected Islands but that is it. You can drive back if you fail though!

grogi

Del2005 wrote: »

Yes it is. There's an exemption for cars from non connected Islands but that is it. You can drive back if you fail though!

That is my understanding as well.

However there is a small ambiguity about that and Gardai do typically reverse the penalty if you fail NCT on the same day.

forumuser

If caught with no nct there's a fine and points. And I know every policy is different but mine specifically States that a claim well not be paid out in the absence of a valid nct.

Atlantic Dawn

If only there was an invention of a paper disc you put on your windscreen that showed the date when the NCT expired and you would see this date each time you passed by it as a reminder of when it was due, you could then add in the facility to book the test 3 months before it's due, I think if these simple ideas were brought in nobody would have an excuse to be driving a car with expired NCT :pac:

jca

Atlantic Dawn wrote: »

If only there was an invention of a paper disc you put on your windscreen that showed the date when the NCT expired and you would see this date each time you passed by it as a reminder of when it was due, you could then add in the facility to book the test 3 months before it's due, I think if these simple ideas were brought in nobody would have an excuse to be driving a car with expired NCT :pac:

Exactly. My Nct is out in mid October, my tax is out at the end of September insurance isn't out until may 2018, I didn't even have to leave the house to check..

Del2005

grogi wrote: »

That is my understanding as well.

However there is a small ambiguity about that and Gardai do typically reverse the penalty if you fail NCT on the same day.

While as usual they ignore the more serious offence of driving while not insured, the majority of insurance policies require a valid NCT which doesn't allow you drive before or after you fail.

The stupid thing is that if you drive a safe vehicle with no NCT to the NCT there's no ambiguity you've committed an offence, if it turns out to be defective you might not have.

mikeoneilly

Surprising the number of people who don't notice it run out.

Is it legal then to drive home from test with a fail sheet ?

Also is there any Garda discretion on the way to a test?

Del2005

mikeoneilly wrote: »

Surprising the number of people who don't notice it run out.

Is it legal then to drive home from test with a fail sheet ?

Also is there any Garda discretion on the way to a test?

Not illegal to drive home after a fail, but you most likely aren't insured. If you pass the is no discretion yet if you fail its not clear if it nullifies the offence when going, but again the lack of insurance is ignored in all cases.

Chippy01

If you're caught with no NCT, it's 3 points and €60 fine.
5 points and €90 if convicted in court.

If your vehicle fails because it has a dangerous defect, and you get caught, it's a mandatory court appearance, 3 points, and a court fine.

Taken from the RSA website.

mikeoneilly

What happens if you go in 90 days before due due date and you fail.

Does it depend on what it fails on whether yours insured to keep driving ?

GM228

mikeoneilly wrote: »

What happens if you go in 90 days before due due date and you fail.

Does it depend on what it fails on whether yours insured to keep driving ?

The existing NCT continues to be valid until it's expiry date.

mikeoneilly

What if you had a crash and it was shown the car was not roadworthy according to the fail sheet ,even though NCT cert is still valid for another 90 days.

I can see insurance not paying out

Yawns

mikeoneilly wrote: »

What if you had a crash and it was shown the car was not roadworthy according to the fail sheet ,even though NCT cert is still valid for another 90 days.

I can see insurance not paying out

You would still have a valid NCT tho which would be in line with the insurance companies T&Cs. However they prob also have one about it being in a roadworthy condition as well so who knows.

grogi

Yawns wrote: »

You would still have a valid NCT tho which would be in line with the insurance companies T&Cs. However they prob also have one about it being in a roadworthy condition as well so who knows.

If they can prove that it was owners lack of action that caused the accident, their liability ends very fast, NCTed or not.