Getting car to NCT centre with no insurance

Jelly-Bean · 09-09-2018 08:40AM #1

Hi there,

I was given an 05 Suzuki Ignis earlier this year by a family member. Unfortunately I couldn't drive at the time so the car had to wait. I am now learning and am looking to get the car sorted. Problem being is that the NCT expired in March this year so I can't get insured on it. I obviously can't drive it to the test as a) cant get insured and b) im still only learning so wouldn't have the confidence to drive it. I have people that are willing to drive it for me but unfortunately it can't be done as their insurance companies won't transfer their insurance over as I have no insurance on the car and it has no NCT.

So after looking in to it the only option I am looking at is towing. I looked in to the cost of this. 140 to tow it to test centre and back. 55 for test. I have been advised it may fail as it has not been driven in about 8 months so its another 100 to tow to garage, what ever the cost is to have it fixed and another 140 to tow it to test centre an back again. Its a lot of money!!!!

I know diddly about cars, I have never owned one before so I have no idea what Im doing!! Is there any other way around it?

I have been looking at other options. Selling it. Would anyone buy it? Any advice where to advertise?

Trading it. Would a garage trade it with no NCT?

Sorry for the long post. I am under tremendous pressure to start driving due to personal circumstances and am looking for any advice on the best way to go about it.

Thanks so much :-)

myshirt · 09-09-2018 08:46AM

You won't get insured on that car when you get NCT anyway. It's over 13 years old and you haven't owned it prior to the car turning 10.

Del2005 · 09-09-2018 08:47AM

The car is worth feck all so selling isn't an option especially since you are learning to drive. Was the car generally in good condition before it was laid up as 8 months is not a long time to be laid up. If the car was good before it was parked there shouldn't be much wrong with it now, bar the tyres having a flat spot if it wasn't moved.

Only question is why the the tow is charging you to get to the garage if it fails, could you do a deal to get to the garage instead of home if it fails.

Avatar MIA · 09-09-2018 08:49AM

Sounds like a lot of hassle, but you could transfer the car into someone else's name and they could transfer their insurance onto it while you get the above sorted.

Jelly-Bean · 09-09-2018 08:50AM

Its in great condition, was just owned by my sister and although she drove it every day she didn't go far in it (school runs etc). Yeh tyres a little flat and break pad worn so needs to be fixed.

I am looking at a private tow as the NCT centre or any garage that I rang don't organise collection of the car, I need to get it there myself. Its not looking like its worth paying all that money for transporting it, fixing it.

Am I best just scrapping it?

Jelly-Bean · 09-09-2018 08:51AM

Avatar MIA wrote: »

Sounds like a lot of hassle, but you could transfer the car into someone else's name and they could transfer their insurance onto it while you get the above sorted.

Tried this but anyone I asked said their insurance wont transfer because the NCT is out.

Johnnyhpipe · 09-09-2018 08:51AM

Get some insurance quotes before you blow all that money! A new driver on a 13 year old car... your insurance quotes might force you to reconsider what you do with the car.

Jelly-Bean · 09-09-2018 08:53AM

Johnnyhpipe wrote: »

Get some insurance quotes before you blow all that money! A new driver on a 13 year old car... your insurance quotes might force you to reconsider what you do with the car.

I have and its outrageous which is why I am trying to figure out what to do. Lowest I got was 2,900 with the car having a valid NCT.

Other quotes 4000-5000 and some wouldnt quote me at all.

Avatar MIA · 09-09-2018 08:54AM

Jelly-Bean wrote: »

Tried this but anyone I asked said their insurance wont transfer because the NCT is out.

When I've transferred insurance don't ever remember being asked about NCT status. Maybe I've just forgotten.

Sleeper12 · 09-09-2018 08:57AM

Many people with comprehensive insurance can drive other cars 3rd party so long as they don't own the car. Maybe you know someone who could do this?

Sleeper12 · 09-09-2018 08:59AM

Avatar MIA wrote:

When I've transferred insurance don't ever remember being asked about NCT status. Maybe I've just forgotten.

Some companies require nct proof on old cars

Jelly-Bean · 09-09-2018 09:00AM

I have asked a few people and all of them said their insurance wont cover them transferring.

kirving · 09-09-2018 09:01AM

Many people with comprehensive insurance have a "driving other cars policy" that will insure them to drive a car that they or their spouse don't own.

I could be wrong (and I better check), but I've never heard of the car having to have a valid NCT. I know my own insurance company didn't even ask it about my current car, and we're actually happy to insure me on in with UK plates initially (ie: no NCT)

raxy · 09-09-2018 09:01AM

Jelly-Bean wrote: »

I have and its outrageous which is why I am trying to figure out what to do. Lowest I got was 2,900 with the car having a valid NCT.

Other quotes 4000-5000 and some wouldnt quote me at all.

Get insurance quotes for a few different cars so you have something to compare it to. A learner driver will get crazy quotes yo be insured on their own, it may not just be the age of the car.
You'd be better off being a named driver on your parents car to learn if that's a possibility?

long_b · 09-09-2018 09:01AM

Don't mechanics have special open insurance that'll let them drive just about anything?

Jelly-Bean · 09-09-2018 09:05AM

raxy wrote: »

Get insurance quotes for a few different cars so you have something to compare it to. A learner driver will get crazy quotes yo be insured on their own, it may not just be the age of the car.
You'd be better off being a named driver on your parents car to learn if that's a possibility?

Parents dont have a car!! I know very little people that drive.

Jelly-Bean · 09-09-2018 09:06AM

long_b wrote: »

Don't mechanics have special open insurance that'll let them drive just about anything?

Probably but I don't know any mechanics so its not an advantage for me.

E36Ross · 09-09-2018 09:14AM

Sleeper12 wrote: »

Many people with comprehensive insurance can drive other cars 3rd party so long as they don't own the car. Maybe you know someone who could do this?

Most also need the car to have an existing insurance policy in place on the car.

The J Stands for Jay · 09-09-2018 09:20AM

myshirt wrote: »

You won't get insured on that car when you get NCT anyway. It's over 13 years old and you haven't owned it prior to the car turning 10.

I wonder was the car given away because the owner couldn't insure it and didn't want to pay to scrap it?

Jelly-Bean · 09-09-2018 10:22AM

McGaggs wrote: »

I wonder was the car given away because the owner couldn't insure it and didn't want to pay to scrap it?

No my sister gave it to me as a gesture of good will as she was buying a new car and I need to learn to drive. We both didnt realise that the age of it would be more a hinderence than a help to be honest.

Avatar MIA · 09-09-2018 10:25AM

Jelly-Bean wrote: »

No my sister gave it to me as a gesture of good will as she was buying a new car and I need to learn to drive. We both didnt realise that the age of it would be more a hinderence than a help to be honest.

It doesn't make sense a car cannot be insured to get to an NCT and cannot get to NCT without insurance.

Does your sister have comprehensive insurance, surely they'll insure her on a car that's been insured by them for years, even if it's just third party.

Jelly-Bean · 09-09-2018 10:29AM

Avatar MIA wrote: »

It doesn't make sense a car cannot be insured to get to an NCT and cannot get to NCT without insurance.

Does your sister have comprehensive insurance, surely they'll insure her on a car that's been insured by them for years, even if it's just third party.

Its frustrating as its a catch 22!! And unfortunately it get worse! She drives but still under provisional (she should really go for her test!!) so she said her insurance wont allow her to drive another car. Its just made me think now though in saying that this car is actually still in her name as we never did the change of ownership, i was waiting to learn how to drive. Surely she is wrong and that her insurance can be transferred over??

I know I sound like a total ditz, just under immense pressure to drive.

jhud · 09-09-2018 12:16PM

I am with aviva and i done a temporary transfer of insurance to my mothers car but never asked me about nct just reg and confirm the car type was correct all done online. Maybe there are terms but dont remember seeing any i did this last week.

Hoboo · 09-09-2018 12:21PM

They might not ask about NCT when you transfer, but have an accident and they will.

Jelly-Bean · 09-09-2018 12:28PM

myshirt wrote: »

You won't get insured on that car when you get NCT anyway. It's over 13 years old and you haven't owned it prior to the car turning 10.

I will. I will just pay a lot money for the insurance!! its cheaper for me to pay the high insurance as the car hasn't cost me anything than buy a car and still pay relatively high insurance.

challengemaster · 09-09-2018 03:58PM

Kevin Irving wrote: »

Many people with comprehensive insurance have a "driving other cars policy" that will insure them to drive a car that they or their spouse don't own.

I could be wrong (and I better check), but I've never heard of the car having to have a valid NCT. I know my own insurance company didn't even ask it about my current car, and we're actually happy to insure me on in with UK plates initially (ie: no NCT)

I believe most specify something along the lines of "roadworthy" or having a certificate of roadworthiness, not specifically an NCT.

Karen23 · 09-09-2018 06:42PM

Was going to ask a similar question so I'll ask here instead of creating a new thread.

We recently bought a new car, transferred insurance from previous car. NCT is out next month on the previous car which is an 07 Ford mondeo , I'm thinking of getting the NCT done to give a better chance of selling it. Tax was up the end of last month.
Question is will our fully comp insurance cover us to drive it to the test centre and if I take the chance and drive it without the tax (we live 10 mins from the nct) will they even test it without both discs in the window ?

colm_mcm · 09-09-2018 06:45PM

If you don’t know anyone with a car, how would you manage to have an accompanying driver with you if you do get the Ignis on the road?

I know you don’t need a car to have a full licence, but do you know many people willing to accompany you when you’re driving?

mgbgt1978 · 09-09-2018 08:18PM

E36Ross wrote: »

Most also need the car to have an existing insurance policy in place on the car.

Most don't. At present it's only Aviva and Liberty.

Ginger83 · 09-09-2018 08:26PM

mgbgt1978 wrote: »

Most don't. At present it's only Aviva and Liberty.

Who doesn't require it?

colm_mcm · 09-09-2018 08:29PM

Ginger83 wrote: »

Who doesn't require it?

Everyone else I’d say. I’ve never been with a company that needed proof of NCT.

Ginger83 · 09-09-2018 08:43PM

colm_mcm wrote: »

Everyone else I’d say. I’ve never been with a company that needed proof of NCT.

I thought the car had to have its own policy.

SweetCaliber · 09-09-2018 09:07PM

I've never heard of an insurance company requiring proof of NCT for the policy

Also, although someone has driving other cars cover on their insurance, I'm pretty sure the car itself also needs an active insurance policy on it.

Nate--IRL-- · 09-09-2018 09:15PM

SweetCaliber wrote: »

I've never heard of an insurance company requiring proof of NCT for the policy

Also, although someone has driving other cars cover on their insurance, I'm pretty sure the car itself also needs an active insurance policy on it.

Not true in all cases, mine certainly doesn't have this clause.

Nate

SweetCaliber · 09-09-2018 09:19PM

Nate--IRL-- wrote: »

Not true in all cases, mine certainly doesn't have this clause.

Nate

Thanks for the correction, I honestly thought the car itself had to have an active insurance policy as well, guess my insurance co. are just being awkward so. The more you know

zoe 3619 · 09-09-2018 09:36PM

A lot of companies don't require the car to have it's own insurance policy if driven by someone who has ' driving of other cars' cover.The last three companies I was with didn't require it anyway.
Also,it's easy enough to get insured on older cars.There might be some companies that don't do it,but most will and the age of the car doesn't really push the price up.

TomOnBoard · 09-09-2018 09:50PM

Sleeper12 wrote: »

Many people with comprehensive insurance can drive other cars 3rd party so long as they don't own the car. Maybe you know someone who could do this?

The car youre driving must have its own policy if your 3rd party extension is to apply.

colm_mcm · 09-09-2018 09:53PM

TomOnBoard wrote: »

The car youre driving must have its own policy if your 3rd party extension is to apply.

Again that’s only the case with a small few companies.

challengemaster · 10-09-2018 07:36AM

mgbgt1978 wrote: »

Most don't. At present it's only Aviva and Liberty.

Liberty changed their policy documents in this years renewals to address that. They now require the other car to have insurance on it.

This is from the latest version of liberty policy document

If your certificate of insurance says so, we
will also cover you, the policyholder, for
your liability to other people while you are
driving any other private motor car which
you do not own or have not hired under a
hire-purchase or lease agreement,
as long as:

1. the other car is not owned by your
employer or hired to them under a
hire-purchase or lease agreement;
2. you currently hold a full European
Union (EU) licence;
3. the use of the other car is covered in
your certificate of insurance;
4. there is a current insurance policy in
place in another person’s name that
covers the other car;
5. you have the owner’s permission to
drive the other car;
6. the other car is in a roadworthy
condition and holds a valid NCT;
7. you still have the insured vehicle
and it holds a valid NCT and is in a
roadworthy condition

Most people need to be checking their policy docs I think

TomOnBoard · 10-09-2018 08:20AM

mgbgt1978 wrote: »

Most don't. At present it's only Aviva and Liberty.

Nope! At least Axa also requires:

 the other vehicle is properly compliant with a valid NCT test certificate
...

 the other vehicle is properly compliant with road traffic legislation;

Road Traffic Acts require that all vehicles are insured if they are used in public. That includes while they are parked outside the NCT centre, and possibly while they are actually being tested.... So while the driver's policy may insure him for 3rd party accident (limited to €50k maximum by Axa), as soon as the driver hops out, the vehicle is uninsured. Also, if an accident involved a claim greater than 50k, the driver would then be on the hook for the remainder.

I'm just mentioning Axa, and havent checked others- I'm just pointing out the serious risk any driver would be taking on. In any event, the lack of NCT would prohibit use under an Axa policy.

Ginger83 · 10-09-2018 10:00AM

zoe 3619 wrote: »

A lot of companies don't require the car to have it's own insurance policy if driven by someone who has ' driving of other cars' cover.The last three companies I was with didn't require it anyway.
Also,it's easy enough to get insured on older cars.There might be some companies that don't do it,but most will and the age of the car doesn't really push the price up.

Did they state that insurance was not required?

Ginger83 · 10-09-2018 10:01AM

Nate--IRL-- wrote: »

Not true in all cases, mine certainly doesn't have this clause.

Nate

Who are you with?

Nate--IRL-- · 10-09-2018 01:50PM

RSA via Bank of Ireland

Nate

Jelly-Bean · 10-09-2018 05:51PM

colm_mcm wrote: »

If you don’t know anyone with a car, how would you manage to have an accompanying driver with you if you do get the Ignis on the road?

I know you don’t need a car to have a full licence, but do you know many people willing to accompany you when you’re driving?

Unfortunately I wont have anyone to accompany me.

colm_mcm · 10-09-2018 06:04PM

Jelly-Bean wrote: »

Unfortunately I wont have anyone to accompany me.

You should probably hold off getting a car on the road until you get your full licence then, a learner permit is only for driving under supervision. Spend the money on lessons with an instructor in their car then get your own car on the road once you pass.

Jelly-Bean · 10-09-2018 06:15PM

colm_mcm wrote: »

You should probably hold off getting a car on the road until you get your full licence then, a learner permit is only for driving under supervision. Spend the money on lessons with an instructor in their car then get your own car on the road once you pass.

I know its not the best idea. I am getting lessons at the moment. Its hard to explain but I am under pressure to drive and although I know its not right to drive without a passenger with a full licence its my best option at the moment. Thanks for the advice though I appreciate it.

Ginger83 · 10-09-2018 06:32PM

Jelly-Bean wrote: »

I know its not the best idea. I am getting lessons at the moment. Its hard to explain but I am under pressure to drive and although I know its not right to drive without a passenger with a full licence its my best option at the moment. Thanks for the advice though I appreciate it.

If you have an accident though you may find out that you are NOT insured.

Or your car could be taken off you.

colm_mcm · 10-09-2018 06:45PM

You’d still be insured third party AFAIK, which is grand on a low value car. Driving unaccompanied when you haven’t proven you can is a bit silly though.

challengemaster · 10-09-2018 06:50PM

colm_mcm wrote: »

You’d still be insured third party AFAIK, which is grand on a low value car. Driving unaccompanied when you haven’t proven you can is a bit silly though.

You'll be insured, but the ins. co then has the means to take you to court to recoup any losses because you weren't adhering to the T&C you said you would.

colm_mcm · 10-09-2018 06:51PM

challengemaster wrote: »

You'll be insured, but the ins. co then has the means to take you to court to recoup any losses because you weren't adhering to the T&C you said you would.

Has this ever happened ever though?

Jelly-Bean · 10-09-2018 07:08PM

I know, its totally silly. Trust me Im stressed over it. Its an absolute must though believe me.

Getting car to NCT centre with no insurance

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