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NCT and insurance

  • 29-07-2024 6:45pm
    #1
    hadepsx
    Registered Users, Registered Users 2 Posts: 1,510 ✭✭✭


    Hi all,

    Quick question, if the NCT is out on a car and the car is involved in a crash/has fire damage leading to car being written off, will the insurance company pay out? Thanks.



Comments

  • #2
    User1998
    Registered Users, Registered Users 2 Posts: 7,025 ✭✭✭User1998


    Depends on the terms & conditions of your insurance policy



  • #3
    hadepsx
    Registered Users, Registered Users 2 Posts: 1,510 ✭✭✭hadepsx


    Thanks for replying, Its underwritten by RSA, insurance was got through Bank of Ireland, if that's any help, maybe someone has dealt with this issue with them previously.



  • #4
    chrisd2019
    Registered Users Posts: 526 ✭✭✭chrisd2019


    https://www.boards.ie/discussion/2058361998/nct-and-insurance

    You need to find the actual policy document and policy booklet your were sent when you purchased the policy. Remember also policy payout depends on who is judged to be at fault for the crash that resulted in the fire.

    Recently renewed my own car insurance and changed broker and provider, it is prominent in the literature regarding NCT & policy validation. Which is not an issue as car has 18 months NCT. But I did wonder if out of date while waiting a test date what would happen.



  • #5
    drury..
    Registered Users, Registered Users 2 Posts: 1,661 ✭✭✭drury..


    Some require a valid NCT

    Some merely state that car must be roadworthy

    ....Not getting into the whole roadworthy v nct debate



  • #6
    hadepsx
    Registered Users, Registered Users 2 Posts: 1,510 ✭✭✭hadepsx


    Thanks for the advice people 🤙



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