NCT, tax, insurance - chicken or egg?

Wilde_37

I've had a car off the road for a year. Now it has no NCT, no TAX and no insurance.

How do I get it back on the road without breaking the law? Here's the issue as I see it.

You cannot Tax a car unless you give Insurance details.

You cannot insure a car without proof of NCT and Tax.

You cannot drive to get an NCT in a car which has no tax or insurance.

Bit of a chicken and egg problem.

User1998

1. I always just put in 123456789 and a random date, I’m never bothered to check the actual policy number.

2. I’ve never been asked for proof of nct or tax

3. Just get it transported to the nct centre. You could even legally drive it home if it passes

ianob7

You trailer it to the NCT centre then obtain insurance and then tax it .

If the insurance company asks for proof of tax before insuring you inform them that you need INSURANCE before you tax.

Simples.

Lundstram

No insurance company will ask or care if your car is taxed.

GerardKeating

Wilde_37 wrote: »

You cannot drive to get an NCT in a car which has no tax or insurance.

Bit of a chicken and egg problem.

Not really, get a tow truck to take the car to/from the NCT centre.

Once you have the NCT, you get insurance, then tax it.

You main problem now, would be the fact that all NCT centres are closed until further notice.

Wilde_37

Lundstram wrote: »

No insurance company will ask or care if your car is taxed.

123.ie asked for proof of tax and NCT before issuing the cert because the car was off the road for a year.

Marlow

Out of tax and out of NCT is not a problem for the trip to the NCT centre. You are allowed to drive it for that purpose, as long as you have insurance.

You can tax the car without NCT. It's only commerials you can't tax without DOE/CVRT.

And insurance will not ask you for NCT or Tax. Your insurance states, that the car has to be road worthy. You can also insure a car, when it's not being used. You might still want the theft and fire options, disregardless of the car being parked up.

/M

Lundstram

Wilde_37 wrote: »

123.ie asked for proof of tax and NCT before issuing the cert because the car was off the road for a year.

I've been with them for two years and all they've asked for is proof of NCB. Strange.

Wilde_37

User1998 wrote: »

1. I always just put in 123456789 and a random date, I’m never bothered to check the actual policy number.

2. I’ve never been asked for proof of nct or tax

3. Just get it transported to the nct centre. You could even legally drive it home if it passes

Certainly, i could do number 1 above. But I was looking at this from a legal perspective also.

Wilde_37

Lundstram wrote: »

I've been with them for two years and all they've asked for is proof of NCB. Strange.

Has your car been off the road?

lalababa

I got insurance on a car last year without an nct. But I had to have an nct booking, and they would only give me a photocopy of the insurance disc🙄and they were very reluctant. It is a very catch -22 situation. Usually ends up having to be trailered to garage & then to the nct.
I would presume a garage employee has open insurance on non nct cars. So perhaps a cheaper option would be to have garage employee drive car to garage and or the nct center.

ianob7

Wilde_37 wrote:

123.ie asked for proof of tax and NCT before issuing the cert because the car was off the road for a year.

Legally you need insurance before you tax as far as I'm aware so don't understand why some companies ask for tax when insuring vehicles

Marlow

Wilde_37 wrote: »

123.ie asked for proof of tax and NCT before issuing the cert because the car was off the road for a year.

First of all, you can tell them, that they can't ask for tax, because you need the insurance before you can get that.

And that you can only get the NCT, when you have insurance.

If somebody asked you for tax and nct, that person was just out to give you hassle.

/M

Lundstram

ianob7 wrote: »

Legally you need insurance before you tax as far as I'm aware so don't understand why some companies ask for tax when insuring vehicles

Another myth. No you do not.

scamalert

1. tax the car put in whatever insurer you will use
2. insure car
3. book nct.


as NCT centers dont care about your disks, so the two above is what you need in case you get stopped, and presuming you book and print nct letter before driving it for test.

As many people each year fail NCT's some book late etc, cant imagine insurance would be void for such every road user, as in such case technically every person who fails nct would have no cover then :?

Isambard

Marlow wrote: »

Out of tax and out of NCT is not a problem for the trip to the NCT centre. You are allowed to drive it for that purpose, as long as you have insurance.

You can tax the car without NCT. It's only commerials you can't tax without DOE/CVRT.

And insurance will not ask you for NCT or Tax. Your insurance states, that the car has to be road worthy. You can also insure a car, when it's not being used. You might still want the theft and fire options, disregardless of the car being parked up.

/M

Wrong info.
.
You are committing an offence driving with no tax and NCT. The only exception is driving to the NCT with no tax if it is SORD.

You can only tax with no insurance if you enter a fictitious policy number.

Many Insurance policies state the car must have an NCT if applicable.

The OP wants to know how to proceed legally.

Marlow

Isambard wrote: »

Wrong info.
.
You are committing an offence driving with no tax and NCT. The only exception is driving to the NCT with no tax if it is SORD.

You can only tax with no insurance if you enter a fictitious policy number.

Many Insurance policies state the car must have an NCT if applicable.

Marlow wrote: »

Out of tax and out of NCT is not a problem for the trip to the NCT centre. You are allowed to drive it for that purpose, as long as you have insurance.

You can tax the car without NCT. It's only commerials you can't tax without DOE/CVRT.

And insurance will not ask you for NCT or Tax. Your insurance states, that the car has to be road worthy. You can also insure a car, when it's not being used. You might still want the theft and fire options, disregardless of the car being parked up.

Can you explain to me, at what point I suggested, that the car could be driven without tax ? Or driven anywhere else than to the NCT centre without NCT ?

I did not. Matter of fact, my post states exactly the same as yours, so I'm not sure, what you read out of my post.

And an insurance policy can not require the car to have NCT. The insurance policy requires for the car to road worthy. An NCT test certifies, that it is road worthy at the time of the test, but sure .. it could not be road worthy 5 minutes later, when a bulb fails.

I'd like to see a copy of an insurance cert that SPECIFICALLY requires the NCT cert opposed for requiring it to being road worthy. Because that could be challenged.

/M

User1998

So you’ve never been asked by your insurance “Does the car have a valid NCT?”.

I’d say if you got into a crash and had no nct they’d have every right not to pay out, regardless of them asking the question or not

If it was me I’d just drive to the nct centre with no nct but OP wants to do it legally.

If you want to be 100% legal you should get it recovered and brought to the NCT, hopefully pass, then tax and insurance the car and drive home.

Its an awkward and potentially expensive process if your not willing to break a few rules

Cordell

It's a very clear order: first and foremost it needs to be certified as road worthy hence first step is NCT. Then it needs to be insured, second step is insurance. Last step is paying the taxman for the privilege so last is tax.
No chicken and egg issue.

Also, fyi, chicken and egg problem also has a clear scientific resolution: the egg came first, from something that was almost a chicken, but not quite.

User1998

We know this. OP’s question is how do you carry out the first step of getting it NCT’d when you have no tax or insurance

Cordell

I know you know What OP want to hear is that there is a way to get it there that doesn't involve paying a tow truck. There isn't.
OP can obviously try to get tax and insurance and chance to drive it there, but that will not be legal.

Isambard

Marlow wrote: »

Can you explain to me, at what point I suggested, that the car could be driven without tax ? Or driven anywhere else than to the NCT centre without NCT ?

I did not. Matter of fact, my post states exactly the same as yours, so I'm not sure, what you read out of my post.

And an insurance policy can not require the car to have NCT. The insurance policy requires for the car to road worthy. An NCT test certifies, that it is road worthy at the time of the test, but sure .. it could not be road worthy 5 minutes later, when a bulb fails.

I'd like to see a copy of an insurance cert that SPECIFICALLY requires the NCT cert opposed for requiring it to being road worthy. Because that could be challenged.

/M

here "Out of tax and out of NCT is not a problem for the trip to the NCT centre. You are allowed to drive it for that purpose, as long as you have insurance.

What you are saying is incorrect.
You cannot drive anywhere without tax (unless it's to a NCT centre and it is on SORD) and you cannot drive anywhere without an NCT even to the NCT centre. (you can drive home or to the garage if it fails unless it's deemed dangerous.).