QUOTE (Oisin @ Jan 18 2006, 04:41 PM)
<{POST_SNAPBACK}>as far as i know, the insurance company is not supposed to initiate ur insurance policy without an NCT form, but i know when i got insurance at first with FBD, the girl asked for it, i said i dont have it at hand, and she commenced the policy, on the grounds that id shortly produce an NCT form to their office, I never did.
The golf is NCTd now, but i havent told FBD yet.
So as far as they are concerned, its the girls fault for initating the policy without having validated the policy by looking at the NCT form
just read that above by WillGti,
I better throw on the hand brake cables I have in the boot soon then eh!?
HIB told me it was their policy to insist on a current NCT or MOT (for UK registered cars) for any vehicle over 10 years old. It's not that the NCT cert indemnifies anyone against anything, it just forces the car owner to , at least, get something which verifies the car was safe at a given date.
The NCT people will not indemnifiy you against any failure of your car following certification by them. (e.g. if your car passes an NCT test then crashes on the way home due to brake failure).
I got temporary insurance on my Golf, on UK plates, and eventually got it extended for the full year, only after persuading them the car is for occasional use only.
As with all Insurance policies, there is an onus on the Insured to keep the car in a roadworthy condition.