IMPORTANT! This is MoneySavingExpert's open forum - anyone can post

Please exercise caution & report any spam, illegal, offensive, racist, libellous post to forumteam@moneysavingexpert.com

  • Be nice to all MoneySavers
  • All the best tips go in the MoneySavingExpert weekly email

    Plus all the new guides, deals & loopholes

  • No spam/referral links
or Login with Facebook
quinn direct
Closed Thread
Views: 22,286
Thread Tools Search this Thread Display Modes
# 1
kubisiemce
Old 03-08-2007, 11:41 AM
MoneySaving Newbie
 
Join Date: Aug 2007
Posts: 2
Default quinn direct

is anyone hear about insurer quinn direct?
i am asking becouse im a young driver with provisional license, from a year in UK.
When I am looking for a small car insurance like citroen saxo or peugeot 106 insurance quotes showing me minimum 1200-1300 pounds for a year what is to much for me.
only one company showing me a third party fire and thiet insurance which is c.a.750-800pounds what was for me a surprise thats why im asking did eweryone was insured in that company and why diffrence is so big in compare to other insurers? i was using confused.com usualy.
thanks for answers
kubisiemce is offline
Report Post
# 2
scottishsue
Old 03-08-2007, 11:54 AM
MoneySaving Convert
 
Join Date: Jan 2006
Posts: 57
Default

I too found this when looking for car insurance for my stepdaughter for her Kia Picanto. I checked several times that the info I had given them was correct and when the paperwork arrived checked again that the info was all correct in case there had been an error. Dont know why but we found previously that when we renewed with our previous insurer it jumped up dramatically. It may be to draw you in and hope to keep your custom
scottishsue is offline
Report Post
# 3
erb
Old 03-08-2007, 9:38 PM
MoneySaving Stalwart
 
Join Date: Oct 2004
Posts: 500
Default

I recently took out insurance with Quinn direct to add my daughter, a learner driver, to my car insrance. It was 580 compared to my current insurers quote of 1800. Quinn seam to specialise in youg drivers and usually offer the best rates for them. A lot of other insurance companies do not want the risk of young drivers so quote really high rates.
Regards
erb
erb is offline
Report Post
# 4
Stephen Leak
Old 05-08-2007, 2:18 AM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Mar 2007
Location: Bristol
Posts: 8,664
Default

I've been looking for a car insurance quote using Martin's system, and they have been the best quote on a couple of the comparison sites.

Evidently, they are a major player in the Republic of Ireland and Northern Ireland, and are expanding into the UK and Europe.

As I was a named driver on my ex-wife-to-be's policy ever since passing my test in 1976, and so have no NCD in my own right, I was very interested to see that their system detected this and my lack of accidents or claims and offered a discount based on driving experience. I shall be ringing their 0800 number on Monday morning.

Last edited by Stephen Leak; 05-08-2007 at 2:20 AM.
Stephen Leak is offline
Report Post
# 5
mattymoo
Old 05-08-2007, 8:11 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Mar 2006
Posts: 2,351
Default

Be wary of Quinn / Quinn Direct. No direct experience but I hear many brokers cannot or will not touch them because their own professional indemnity insurers will not cover them if they work with Quinn.

This did apply to commercial property / liability covers (Quinn also do this type of cover) but it would be sufficient to deter me from using them.

Finally, do a search in this forum for Quinn. IIRC some people have had poor experiences in relation to claims.
mattymoo is offline
Report Post
# 6
kubisiemce
Old 06-08-2007, 7:36 AM
MoneySaving Newbie
 
Join Date: Aug 2007
Posts: 2
Default yeah but

as a new young driver with provisional license i dont hawe a big choice....try with quins direct for 850 or pay to others 1300pondus.....so what to do.....i would like to buy a car in next month maybe so not much time left...anyone will recomend me that insurer?
than U for all answers
kubisiemce is offline
Report Post
# 7
JasonLVC
Old 06-08-2007, 8:04 AM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Jul 2005
Location: Switzerland
Posts: 9,727
Default

They keep their costs low through two business principles.

Firstly, their insurance is like RyanAir flights, stripped to the bare bones so you'll not get a hire car, tow-a-way service, the bare minimum cover, no no claims protections or the usual fripperies you may want.

Secondly, their claims service is unique in that they allocate you a claims manager who comes and sees you and also sees the other party involved as well as the police/other services involved and then amicably resolves the situation by writing you a cheque once the investigator has decided who's to blame, etc.

What it means is that they try to nip claims in the bud so if your fault and you injured someone they'll pay them off to keep it out of the courts and pay for your repairs also. Fraudulent claims are nigh-impossible to get through as they'll see through any scams as they physically intgerview everyone involved in the incident. This keeps their overheads low as they don't deal with 'solicitors' or ambulance chasing firms and the like - dealing directly with the parties invovled and getting it solved as quickly as possible to nip those 'whiplash' injuries into touch, etc.

The claim managers are paid on a commission only basis so they get paid 100-200 (depending upon the severity of the claim -ie, one car, two cars, multiple pile-up, etc) for resolving the claims within 7 days. You'll get a cheuqe very quickly provided it's a straight accident so to speak.

So basically, nothing wrong with the service and are very cheap but they are different to the mainstream so don't expect pampering and luxury or try to scam them but at least your kids can be covered, legally and cheaply.

Quinn Direct is a massive company in Ireland - started off as a quarry and stone extractor, then property developer then insurance and everything else as well. Also own's the De Vere Belfry hotel/golf course as well as many other posh hotels around the world. They are not small or fly-by-night and perfectly legitimate - there HQ should hopefully still be in Salford Quays, Manchester.
JasonLVC is offline
Report Post
# 8
BruceyBonus
Old 06-08-2007, 11:38 AM
Serious MoneySaving Fan
 
Join Date: Nov 2005
Posts: 1,123
Default

When I was looking for insurance, Quinn quoted about £800. Liverpool Victoria offered about £650! They are definitely worth a try!
BruceyBonus is offline
Report Post
# 9
losgiganteskid
Old 06-08-2007, 5:18 PM
Serious MoneySaving Fan
 
Join Date: May 2005
Posts: 823
Wink

Yes - good old Quinn eh !! - if you look at history on this insurance site there are many references made of them. Not all good i'm afraid - the problem with insurance is that you just don't know what you are getting until its claim time. Unlike almost anything else, with insurance you are "buying" a promise, and that promise won't take effect until you call upon them to deal with your claim - many have had bad experiences.

As has been said also their cover has many restrictions and their comprehensive cover is really not comprehensive at all when looked at side by side with household name insurers.

The other interesting point is that if you compare, generally speaking, Quinn premiums with "the norm" you will find a substantial difference, the question needs to be asked Why ? - if I was the underwriter of Quinn my reseach/quote comparisons would show nowhere near the variations as is currently the case. In other words do Quinn know something all the others don't regarding risk assessment ? - if the market rate for a risk is for example 850 and the market is circa that amount, who in their right mind would offer cover at 500 ? - indeed they could charge 800 and still get the business. Still they are based in Ireland so perhaps that's the givaway
losgiganteskid is offline
Report Post
# 10
JasonLVC
Old 06-08-2007, 6:53 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Jul 2005
Location: Switzerland
Posts: 9,727
Default

They are cheaper in terms of underwriting because they deal with claims personally. Main stream insurers have a premium based on their overheads, the risk and the amount it will cost them.

So a chav in a Nova will cost them x amount of money and are a very high risk. Quinn accept that and endeavour to nip any drawn out claims in the bud, quash any fraudulent claims and 'disuade' injured parties from suing for £1m. It is these actions that allow them to undercut mainstream rivals alongwith their reduced cover overall. In effect their premium is saying the amount covers any generic motor insurance claim (theft, fire, accident, etc) and we'll be so good at pushing the claim through quikcly and getting people to sign indemnities that no-one will have a chance to sue our insured driver and therefore we can be cheaper - gauranteed.

Not a fan of Quinn personally (but was looking at working for them so got all the inside info as to how they operate) and it put me right off. Didn't fancy going into Moss Side on a Friday night to try and resolve a road accident claim 'amicably' or telling villains that I'll not be processing their claim.

Last edited by JasonLVC; 06-08-2007 at 6:55 PM.
JasonLVC is offline
Report Post
# 11
Llyllyll
Old 06-08-2007, 7:33 PM
Serious MoneySaving Fan
 
Join Date: Dec 2005
Posts: 840
Default

I had a bad experience with Quinn Direct.

I was/am insured with Direct Line and the 3rd party who went into me was with Quinn. I provided all documents, proof, photo of the accident but heard nothing from Direct Line for a long time. I phoned them up and they said that they keep chasing up QD but that they don't reply to them.

In the end DL absorbed the loss of my claim (fully comp.) as it wasn't worth their time to keep chasing Quinn Direct up. If that's how they operate in general I woudn't touch them with a bargepole .
Llyllyll is offline
Report Post
# 12
mattymoo
Old 06-08-2007, 9:32 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Mar 2006
Posts: 2,351
Default

Sounds like the Ryanair of the insurance world
mattymoo is offline
Report Post
# 13
dkeogh
Old 07-08-2007, 8:08 PM
MoneySaving Newbie
 
Join Date: Jul 2007
Posts: 8
Default

Quote:
Originally Posted by kubisiemce View Post
iwhy diffrence is so big in compare to other insurers?
Because you get what you pay for. The quote is less becuase it offers less protection. There are likely to be several scenarios where in the event of you making a claim you won't be covered by the insurance and will have to pay any expenses out of your own pocket.

I'm not saying Quinn insurance isn't right for you, I don't have enough details to say that, but I would advise your read the policy very carefully and make sure you are happy with the level of cover you are getting before committing yourself.

Good luck!
the car insurance blog

mortgage debt = 89,468
credit card debt = 200 (on 0% with egg)
car insurance saving 2007 = 48 switching to esure - up for renewal very soon
dkeogh is offline
Report Post
# 14
AntiQuinn
Old 19-01-2008, 5:31 AM
MoneySaving Newbie
 
Join Date: Jan 2008
Posts: 1
Exclamation

This is a warning to anyone insured with or thinking of being insured by Quinn-direct. They refuse to pay out when they are liable by law to do so. I had complete comprehensive insurance with them and when I got into an accident they refused to pay out leaving me with thousands in overexpenses.
They quoted from a commercial insurance document and on that basis refused to pay out when I have private motor insurance! No matter how much I argued and read them their own private motor insurance document they refused to listen and was so arogant to even after that still send a statement of refusal to pay out with a quotation from the wrong document!
I had to take the case to the Financial ombusman who had to force them to pay out. But the overexpenses are still mine to absorb.
DON'T INSURE WITH QUINN-DIRECT. DO YOURSELF THE FAVOUR AND PAY A BIT MORE ELSEWHERE TO MAKE SURE YOU ARE COVERED!
AntiQuinn is offline
Report Post
# 15
annie27
Old 21-01-2008, 6:11 PM
MoneySaving Newbie
 
Join Date: Nov 2007
Posts: 4
Angry Steer clear of Quinn Direct

I bought a policy from Quinn Direct because they offered the cheapest policy on a insurance comparison site. I had an old car & didn't want to pay a high premium so I opted for third party cover.

I had an accident in November, the third party was insured with Admiral. My car was assessed on 13 November by an engineer sub contracted to QD. They deemed the third party to be liable for the accident, which he was. In order for admiral to pay me out they need the report from the engineer stating their findings of the accident.

It's now the 21st January & Admiral are still waiting for a copy of the report. I have been calling QD a couple of times per week since the accident. They claim to have sent the report more than three times to the postal address, fax number & email address of Admiral. Personally I don't believe they have sent it at all. I even have Admiral chasing up this report but to no avail.

I have no idea why QD are stalling I only know that they are.

I would advise anyone NOT to insure with Quinn direct
annie27 is offline
Report Post
The Following User Says Thank You to annie27 For This Useful Post: Show me >>
# 16
mattymoo
Old 22-01-2008, 10:48 AM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Mar 2006
Posts: 2,351
Default

Annie, I know QD have some weird working practices but in this instance it should have been Admiral inspecting your car and producing a valuation report. Tell them to stop waiting for QD to get off their backsides and commision their own report.
mattymoo is offline
Report Post
# 17
cartimandua51
Old 01-02-2008, 4:49 PM
MoneySaving Convert
 
Join Date: Dec 2007
Posts: 16
Default

Does the fact that they are the Ryanair of insurers matter if what you are insuring is acrap car worth £500 tops? All I want for my daughter is legality- if the car gets pranged we just write it off. I've been looking at it as just another Gov't tax, so the cheaper the better. If she hits someone else, presumably the insurers' association (whatever thy're called) or the Govt force Quinn to pay up?
cartimandua51 is offline
Report Post
# 18
mattymoo
Old 01-02-2008, 5:22 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Mar 2006
Posts: 2,351
Default

If you are looking at Third Party cover only, then no, it shouldn't really matter. Your daughter will be legal and their perceived lack of customer service will not affect you since you will never claim off them.

Third parties may curse you but that is not your problem.
mattymoo is offline
Report Post
# 19
sizkar9
Old 14-05-2008, 7:19 AM
MoneySaving Newbie
 
Join Date: May 2008
Posts: 4
Angry quinn direct misquote!

my 17 year old son quoted 2,100 for fully comp car insurance as a provisional driver. other companies wanted in excess of 5,000. i asked them why they so cheap they replied thats what we do. being a good citizen phoned them up immediately he passed his test (3 weeks later) and was sent an email stating his insurance would now be 6,700! in NO WAY was i informed of this when taking out the policy as i would have said NO then and there. they took over 500 and will NOT be refunding me the difference. BEWARE they might be cheap but their disclaimer of "price may go up upon passing test" is a one liner in a 10 page document and "may go up" does not in my eyes mean a 200% hike! they are a rip off and since this all the web sites are warning people off. Mr. Quinn is apparently the richest man in ireland and its coz of saps like us paying him for a misrepresented quote! he reels you in then spits you out! DONT USE THEM!
sizkar9 is offline
Report Post
# 20
sizkar9
Old 15-05-2008, 9:30 AM
MoneySaving Newbie
 
Join Date: May 2008
Posts: 4
Default

Quote:
Originally Posted by kubisiemce View Post
is anyone hear about insurer quinn direct?
i am asking becouse im a young driver with provisional license, from a year in UK.
When I am looking for a small car insurance like citroen saxo or peugeot 106 insurance quotes showing me minimum 1200-1300 pounds for a year what is to much for me.
only one company showing me a third party fire and thiet insurance which is c.a.750-800pounds what was for me a surprise thats why im asking did eweryone was insured in that company and why diffrence is so big in compare to other insurers? i was using confused.com usualy.
thanks for answers
hi. just read your thread as i've just been ripped off by quinn! how did yours turn out? yes a very cheap 2,100 for a provisional fully comp in my name at 17 years old but now i've passed they want an extra 4,200!! so i've cancelled! they missold me this policy and i wish i'da put negative things in google to see what shysters they are. they never told me it would go up. not worth passing my test!
sizkar9 is offline
Report Post
Closed Thread

Bookmarks
 
 




Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

 Forum Jump  

Contact Us - MoneySavingExpert.com - Archive - Privacy Statement - Top

Powered by vBulletin® Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.

All times are GMT +1. The time now is 7:16 PM.

 Forum Jump  

Free MoneySaving Email

Top deals: Week of 16 April 2014

Get all this & more in MoneySavingExpert's weekly email full of guides, vouchers and Deals

GET THIS FREE WEEKLY EMAIL Full of deals, guides & it's spam free

Latest News & Blogs

Martin's Twitter Feed

profile
  • RT @MoneySavingExp: Weekly email:Free breaking bad, top shares ISA, HOT bband deal ending, 2.5% cash ISA, Tesco wine sale, £10 champers.. h?
  • RT @MoneySavingExp: Ovivo closure: MSE?s reported the mobile firm to authorities. If you?ve been affected, here?s how you can complain http?
  • Right switching off Twitter now. Going back offline. Thanks to those of both sides tweets for making it a more enjoyable watch.

Cheap Travel Money

Find the best online rate for holiday cash with MSE's TravelMoneyMax.

Find the best online rate for your holiday cash with MoneySavingExpert's TravelMoneyMax.

TuneChecker Top Albums

  • VARIOUS ARTISTSNOW THAT'S WHAT I CALL MUSIC! 87
  • VARIOUS ARTISTSULTIMATE CLUB ANTHEMS
  • THE VAMPSMEET THE VAMPS (DELUXE VERSION)

MSE's Twitter Feed

profile
Always remember anyone can post on the MSE forums, so it can be very different from our opinion.
We use Skimlinks and other affiliated links in some of our boards, for some of our users.