Getting NCT for car with no current insurance ?

long_b

Hi all

In a bit of a pickle here that people may have come across before.

Was gifted a car by a family member.

I have taxed it but the NCT is up and it is not insured.

We have two drivers in the house and both currently have an insirance policy for one car each (our main cars).

My insurance said I'm only covered to drive cars that I don't own if the car has valid NCT and is insured by someone else.

So I'm in a catch 22 - am not insured to drive to NCT centre and nowhere will insure it without an NCT

Has anyone had to negotiate something similar ?

bazz26

Get it trailered to the NCT centre?

purifol0

The NCT centre doesn't care about insurance. They also list on the site that you need the log book. I bring it every time, and every time they say they don't need it.

Driving the car uninsured is a road traffic offence, but thats not the NCT centre's concern. Now if an NCT tester says your car is not road worthy (after failing the test) they can take it off you.

Basically its up to you to get the car to the centre, whether you do that legally or not is not their business.

kirving

Swap your insurance over to the car for the day. You can be upfront about the reason why you're doing so.

Your insurance company won't (can't) simply void the policy for the NCT alone, unless of course the reason for a collision was directly related to the roadworthiness of the car.

User1998

Just get insured on the car and drive it to the NCT centre

long_b

https://www.boards.ie/discussion/comment/123822413#Comment_123822413

My insurance company said that they wouldn't do that (unless it was a replacement car from a garage)

Buffman

What's your end goal with the car OP, are you planning to keep it as your main driver and get rid of your current car or keep it as some kind of spare car or sell it?

mk7r

https://www.boards.ie/discussion/2058424924/getting-nct-for-car-with-no-current-insurance

Just find someone with driving of other cars that can drive it, 99% of companies don't stipulate it needs to be insured or NCTd

long_b

https://www.boards.ie/discussion/comment/123822547#Comment_123822547

It'll be for keeping as a main driver.

long_b

https://www.boards.ie/discussion/comment/123822613#Comment_123822613

Thanks - I'll check that out.

Buffman

https://www.boards.ie/discussion/comment/123822891#Comment_123822891

If you're keeping it then you just need to pick a changeover date and permanently switch the insurance to your 'new' car.

Sounds like you're currently trying to insure your 2 cars under the one policy at the same time, which can't be done on a normal policy. (assuming you don't have trade or rare multi-car policy)

I'd book the NCT and then arrange a swap of insurance from that day onwards.

If you're insurance flat out refuse to transfer to your 'new' car even with NCT booked, then I'd cancel them and go with someone who will.

Larbre34

NCT doesn't give a fig about insurance. Not their job.

User1998

https://www.boards.ie/discussion/comment/123826078#Comment_123826078

That's not the issue tho. The issue is that they can't get insurance to drive to the NCT

cml387

How was the car taxed when it is not insured? Curious.

bazz26

Insurance companies don't care or ask if the car is taxed or not.

Motor Tax website asks or at least used to ask, for an insurance policy number when taxing the car but it had no way of validating the policy number. Put in an expired or dummy policy number and it would just continue on to payment.

coylemj

https://www.boards.ie/discussion/comment/123822613#Comment_123822613

Aviva, Liberty and Zurich all say the car must have it's own policy before your 'driving other cars' will cover you. I'd imagine they represent more than 1% of the motor insurers in the Irish market.

User1998

https://www.boards.ie/discussion/comment/123827298#Comment_123827298

You don’t need insurance to tax a car

mickdw

I played that game before with insurer. They are a nightmare. Wouldnt change policy over for the day because it wasnt a garage car.

InI had driving other cars cover that specifically didn't need the other car to be insured however they wouldn't give clarification as to whether I would be covered when the car wasn't fully road legal - no test. Their wording said driving of other cars once road legal.

Easiest thing is get local garage to bring it for you or trailer it.

cml387

https://www.boards.ie/discussion/comment/123828281#Comment_123828281

Yes you do. That you can just enter a false insurance certificate number (thereby making a frauduent application) doesn't remove the requirement.

R.O.R

https://www.boards.ie/discussion/comment/123828281#Comment_123828281

Unless it has reverted back to the old way, you do now.

We couldn't tax a car in March last year, the day after it was registered, as the insurance policy didn't start until the following day. The online tax system wouldn't allow it to be taxed as there was no valid insurance policy against the Reg the first time we tried. No issue the day after.

Haven't had any rejections recently though, but the online tax system doesn't ask for policy details any longer, so I presume it's still properly linked to the insurance database.

sprucemoose

https://www.boards.ie/discussion/comment/123828194#Comment_123828194

yeah any time ive had driving other cars on my policy it stipulated that the car needed to be insured so i dont know what that poster was on about

User1998

https://www.boards.ie/discussion/comment/123828566#Comment_123828566

https://www.boards.ie/discussion/comment/123828604#Comment_123828604

The requirement of having to enter a policy number to tax a vehicle online ended many months ago. I have been taxing multiple uninsured vehicles per week for the past 5+ years before & after this requirement was ended

sprucemoose

https://www.boards.ie/discussion/comment/123828735#Comment_123828735

dont see why you quoted me in that to be honest

prawnsambo

https://www.boards.ie/discussion/comment/123828735#Comment_123828735

Having to enter a policy number to tax a vehicle is not the same thing as having to be insured to tax a vehicle. And since you're a motor trader, you are likely under a different regime. Like I am in the national fleet database and under a different regime.

User1998

https://www.boards.ie/discussion/comment/123828875#Comment_123828875

Didn't mean to quote you sorry

https://www.boards.ie/discussion/comment/123828908#Comment_123828908

You don't need have an insurance policy to tax a vehicle. I tax my cars like any other member of the public. You enter your reg and logbook number and you pay the tax. How are you even arguing against that? Anyone here can log on right now and tax their vehicles without insurance, it doesn't even ask for insurance details anymore

prawnsambo

https://www.boards.ie/discussion/comment/123829209#Comment_123829209

I'm not. Just pointing out the difference.

long_b

I think I've been quite dense here folks and missed what some earlier posters were suggesting to do.

I have been focused on the "driving a 3rd party car as a benefit of your current policy" approach.

But what I now understand that people may have been suggesting was to temporarily transfer my policy from my current daily driver to the new car for the day of the test.

And not only does my current insurer allow that - they actually have a page to do the temporary transfer online !

The new car will then be as "insurance legal" as my daily driver (which is slightly out of NCT itself).

Thank you for all of the help.

I threw a few bob in the kitty to keep the lights on here

cml387

https://www.boards.ie/discussion/comment/123828735#Comment_123828735

My apologies, I suddenly recall doing the car tax this year with cert in hand and realsing I didn't need it any more.

extra-ordinary_

https://www.boards.ie/discussion/comment/123822323#Comment_123822323

Now if an NCT tester says your car is not road worthy (after failing the test) they can take it off you.

Completely false.

User1998

https://www.boards.ie/discussion/comment/123838749#Comment_123838749

I think what they mean is if you get a fail dangerous sticker the car can be taken off you. Technically true?

thoneaseessi

Not all insurance cos require NCT

Post insurance/ Aviva anyway just that car is roadworthy