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Do Insurers require a car to be NCT’d for a new policy

  • 24-05-2024 08:50AM
    #1
    Barr
    Registered Users, Registered Users 2 Posts: 7,130 ✭✭✭


    Hi All

    I have bought a second hand car which has no NCT at present

    I will also require a new Insurance policy as I let the last one lapse

    Is there companies that will insure it as it is whilst I try get an NCT/ date

    Thanks



Comments

  • #2
    Kimbot
    Moderators, Computer Games Moderators, Social & Fun Moderators Posts: 18,856 Mod ✭✭✭✭Kimbot


    No, I got my current car with no NCT and no issues insuring it.



  • #3
    Barr
    Registered Users, Registered Users 2 Posts: 7,130 ✭✭✭Barr


    Which company was it , if you don't mind me asking



  • #4
    Kimbot
    Moderators, Computer Games Moderators, Social & Fun Moderators Posts: 18,856 Mod ✭✭✭✭Kimbot


    Axa



  • #5
    Barr
    Registered Users, Registered Users 2 Posts: 7,130 ✭✭✭Barr


    Good to know . I heard there could have been an issue with some companies for new business .



  • #6
    Gary_dunne
    Registered Users, Registered Users 2 Posts: 1,284 ✭✭✭Gary_dunne


    No they don't require it to obtain insurance however there could be an issue if you tried to make a claim, usually they will say the policy is null and void as the car wasn't in a road worthy condition.



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  • #7
    drury..
    Registered Users, Registered Users 2 Posts: 2,203 ✭✭✭drury..


    The above are all incorrect

    Some insurers require a valid NCT

    Some only require that the car is roadworthy



  • #8
    drury..
    Registered Users, Registered Users 2 Posts: 2,203 ✭✭✭drury..


    Ah I see you're asking can u obtain the insurance without providing the cert, my bad

    Well my above answer pretty much applies anyhow

    If it's a policy condition that you must have an nct , you're policy will be invalid from the start and u risk cancellation in the event of a checkpoint or accident , simply not worth the risk

    Aviva afaik only require that a car is roadworthy



  • #9
    Viscount Aggro
    Registered Users, Registered Users 2 Posts: 1,409 ✭✭✭Viscount Aggro


    NCT ... How do I deal with a car with expired test disc since 2021 ? Will they hang me?

    I ve had valid tax, insurance.. car was being used off-road, on private estate roads, moving horses around.



  • #10
    User1998
    Registered Users, Registered Users 2 Posts: 8,430 ✭✭✭User1998


    https://www.boards.ie/discussion/comment/122194945#Comment_122194945

    Will who hang you? If the car has no NCT then your supposed to get it transported to the NCT centre but me personally I would just drive it there.



  • #11
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,897 Mod ✭✭✭✭Henry Ford III


    Move to insurance forum mods?



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