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NCT & 3 points

  • 08-01-2021 2:51pm
    #1
    capefear
    Registered Users, Registered Users 2 Posts: 783 ✭✭✭


    Hi Guys

    Looking to ask a question for a friend.

    She was done for no NCT or tax last may. Couldnt get an appointment for NCT because of covid and couldnt afford the tax as she wasnt working and truth be told she was unwell at the time. So she paid the two fines but this morning received a letter about having three points added to her full license.

    Is there any point appealing these three points as the NCT centers were closed?

    Will three points make much of a difference to her insurance premium, she has full license for over 20 years and no issues/claims until the three points now.

    Mods sorry if this was asked before please move if in the wrong forum.

    TIA
    CF


Comments

  • #2
    mikeecho
    Registered Users, Registered Users 2 Posts: 5,267 ✭✭✭mikeecho


    capefear wrote: »
    Hi Guys

    Looking to ask a question for a friend.

    She was done for no NCT or tax last may. Couldnt get an appointment for NCT because of covid and couldnt afford the tax as she wasnt working and truth be told she was unwell at the time. So she paid the two fines but this morning received a letter about having three points added to her full license.

    Is there any point appealing these three points as the NCT centers were closed?

    Will three points make much of a difference to her insurance premium, she has full license for over 20 years and no issues/claims until the three points now.

    Mods sorry if this was asked before please move if in the wrong forum.

    TIA
    CF

    It's too late to appeal. By paying the ticket an admission was made.
    The only way to appeal, was to not pay the ticket and take your chance in court.

    The horse has bolted.


  • #3
    capefear
    Registered Users, Registered Users 2 Posts: 783 ✭✭✭capefear


    I thought as much but just wanted to make sure.

    Thanks a million for the reply


  • #4
    Dirty Nails
    Registered Users, Registered Users 2 Posts: 491 ✭✭Dirty Nails


    capefear wrote: »
    Hi Guys

    Looking to ask a question for a friend.

    She was done for no NCT or tax last may. Couldnt get an appointment for NCT because of covid and couldnt afford the tax as she wasnt working and truth be told she was unwell at the time. So she paid the two fines but this morning received a letter about having three points added to her full license.

    Is there any point appealing these three points as the NCT centers were closed?

    Will three points make much of a difference to her insurance premium, she has full license for over 20 years and no issues/claims until the three points now.

    Mods sorry if this was asked before please move if in the wrong forum.

    TIA
    CF

    In fairness,the lockdown wasn't until end March & the 3 month extension,so her NCT was probably out long before that ?. Don't think she'd have a case for an appeal at that stage,so she's probably better off to take the 3 points rather than 5 in court. 3 points isn't the end of the world for her.


  • #5
    august12
    Registered Users, Registered Users 2 Posts: 1,275 ✭✭✭august12


    capefear wrote: »
    Hi Guys

    Looking to ask a question for a friend.

    She was done for no NCT or tax last may. Couldnt get an appointment for NCT because of covid and couldnt afford the tax as she wasnt working and truth be told she was unwell at the time. So she paid the two fines but this morning received a letter about having three points added to her full license.

    Is there any point appealing these three points as the NCT centers were closed?

    Will three points make much of a difference to her insurance premium, she has full license for over 20 years and no issues/claims until the three points now.

    Mods sorry if this was asked before please move if in the wrong forum.

    TIA
    CF
    Three points shouldn't make much difference to insurance and in some cases none at all, probably be a good idea to go through an insurance broker to check all the insurance companies, could end up with a cheaper premium,


  • #6
    mgbgt1978
    Registered Users, Registered Users 2 Posts: 4,261 ✭✭✭mgbgt1978


    Practically all the Insurers in Ireland do not appear to have an issue with 3 points.
    They have access to the database containing Driver's points and can see why the points were given.
    TBH, the worst thing about having 3 points is worrying about not getting another 3 !!


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  • #7
    wotzgoingon
    Registered Users, Registered Users 2 Posts: 14,309 ✭✭✭✭wotzgoingon


    I think she got off lightly for having no tax or NCT. 3 points and a fine, madness.


  • #8
    Atlantic Dawn
    Registered Users, Registered Users 2 Posts: 84,761 ✭✭✭✭Atlantic Dawn
    M


    wotzgoingon wrote: »
    I think she got off lightly for having no tax or NCT. 3 points and a fine, madness.


    There's no penalty points for having no Tax, it's NCT only.
    https://www.rsa.ie/Documents/Licensed%20Drivers/RSA%20Penalty%20Points%20Offences%202019.pdf


  • #9
    Del2005
    Registered Users, Registered Users 2 Posts: 19,102 ✭✭✭✭Del2005


    august12 wrote: »
    Three points shouldn't make much difference to insurance and is n some cases none at all, probably be a good idea to go through an insurance broker to check all the insurance companies, could end up with a cheaper premium,

    You get a discount for not having any points from most companies but since how they reach your premium is opaque who knows if you do or not, especially when they can reduce it by significant amounts when you get a better quote!


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