Not all insurers ask for an up to date NCT.I wont be able to insure the car without passing NCT ?
Not true afaik.I wont be able to insure the car without passing NCT ?
True, but a car will normally fail the NCT if it hasn't been on the road much in the period leading up to the test. So realistically it's not really feasible to get an NCT done without the car being insured.A lot of mechanics will take a car to the NCT for you as well as fix any minor issues with the car.
And they have garage insurance that covers them for driving all cars. (to the best of my knowledge. )
Recipe for trouble if something goes awry, I'd imagine.Can't answer some of the questions but re the car tax yes you need a pin but you definitely don't need the details of your insurance, that's not saying you shouldn't have them! I have insurance always but that field on the motor tax renewal is tied up to nothing, I just always put in 123456 under the details of policy number cos I can't be bothered going looking for it when I'm doing it, you could write anything in and click any company/date and it cross references with nothing!
Yes if you have no valid insurance but otherwise neither here nor there.Recipe for trouble if something goes awry, I'd imagine.
Hopefully.Yes if you have no valid insurance but otherwise neither here nor there.
WARNING - FALSE DECLARATIONS Any person making a false declaration, or who subsequently fails to notify any changes in the licensing particulars now furnished, including disposal of the vehicle is liable to heavy penalties. A licensing authority may require appropriate evidence as to the accuracy of particulars declared.
The PIN is the last 4 or 5 digits of the VIN. I think it tells you that on the site.I went on to moto tax online, but it looks for a PIN number and Insurance details.
Are you sure about that? I know they won't honour breakdown cover without a valid NCT but I can't imaging one becomes uninsured if the NCT goes out of date.Edit: just checking and it looks like most or all insurers will not honour policies if there's no NCT.
No, in not sure..I'm inferring from the fact that the motor insurance industry as a whole issued a statement during the height of the COVID lockdowns saying that they'd be lenient if all insured person had no NCT, that it's normally a requirement for insurance to have a valid NCT. But it's always been unclear to me and I've seen conflicting anecdotal opinions on it.Are you sure about that? I know they won't honour breakdown cover without a valid NCT but I can't imaging one becomes uninsured if the NCT goes out of date.
If your car fails the NCT, and unless the NCT test inspector certifies it as unroadworthy, there's no problem whatsover in driving it home. Which wouldn't be the case if that failure triggered an insurance issue.No, in not sure..I'm inferring from the fact that the motor insurance industry as a whole issued a statement during the height of the COVID lockdowns saying that they'd be lenient if all insured person had no NCT, that it's normally a requirement for insurance to have a valid NCT. But it's always been unclear to me and I've seen conflicting anecdotal opinions on it.
Problem is that in most cases when arranging an insurance policy there will be an assumption stated that the car is roadworthy. NCT is taken as that measure of roadworthiness. It would be different when renewing as opposed to arranging a new policy as you already have an insurer.If your car fails the NCT, and unless the NCT test inspector certifies it as unroadworthy, there's no problem whatsover in driving it home. Which wouldn't be the case if that failure triggered an insurance issue.
Problem is that in most cases when arranging an insurance policy there will be an assumption stated that the car is roadworthy. NCT is taken as that measure of roadworthiness. It would be different when renewing as opposed to arranging a new policy as you already have an insurer.
I don't know if that implies that cover is invalid if the NCT cert is not up to date. If it is then I have definitely driven uninsured in the past!Duty to take care
6 You must take all reasonable steps
to prevent accident, injury, loss or
damage. While unattended, the
car must not be left unlocked, or
the keys to the ignition left with or
in the car or windows or sunroof
left open. You must ensure the car
is kept in a roadworthy condition,
which includes ensuring that the
tread depth on your car tyres are
within the legal limits and if required
that your car has a current and valid
National Car Test (NCT) certificate.
You must ensure the car is properly
compliant with all Road Traffic
legislation at all times.
RSA policy also states 'Your Car must be covered by a valid Department of Transport NCT Test Certificate'My Aviva policy booklet states:
I don't know if that implies that cover is invalid if the NCT cert is not up to date. If it is then I have definitely driven uninsured in the past!
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