Can I get a quote if my car doesn’t have an NCT?

With delays at the National Car Testing Service (NCTS), we have introduced measures to assist affected customers. Here’s what you need to know:

Will 123.ie decline cover due to a delayed NCT?

No, 123.ie does not decline cover based on a delayed NCT. We recognise that testing delays are outside your control and remain committed to providing uninterrupted coverage​.

How does a delayed NCT affect claims?

If you need to make a claim while awaiting an NCT, the delay will not impact its acceptance. However, your vehicle must be in a roadworthy condition and compliant with Road Traffic legislation at the time of an incident. If your car is deemed unroadworthy or fails to meet legal requirements, this could affect claim eligibility​.

What measures has 123.ie implemented regarding NCT delays?

123.ie acknowledges the impact of NCT delays and allows customers to provide an NCT certificate once their test is completed. Your cover remains active during this period, provided the vehicle meets road safety requirements and remains legally compliant​.

How can I ensure my vehicle's roadworthiness without an NCT?

Even without a valid NCT, you are responsible for ensuring your car is in safe, roadworthy condition and compliant with Road Traffic Acts. This includes regular maintenance checks on brakes, tyres, lights, and fluid levels. Keeping your vehicle properly maintained helps avoid potential claim issues​.

Need help with your car insurance while awaiting an NCT?

If you have questions about your cover, we're here to help. Check our policy documents for details, or contact us to discuss your options.