“ Providing motor insurance for England, Scotland and Wales. „
I started with Quinn in 2009 when I first got my car as they were cheapest on market, especially as I was a young brand new driver. For the first year for comprehensive insurance the cost was approx £800 for the year, on the one occasion I needed a home start, I had someone come out on christmas day within 5 hours - brilliant. - No complaints.
I never needed to call them out again or make any claim in the 3 years I was with them.
Last year they quoted me approx the same amount, until I informed them that I had bought a house 8 miles down the road and they then re-quoted me (approx) £1400. After phoning them and saying that I was not accepting that amount and wanted to cancel the renewal, they phoned me back 10 minutes later and offered me the same policy for approx £980. - Not happy I had to go as far as having to leave to be offered better deal, but still, acceptable.
This year I had to phone them for a renewal quote as I was being bombarded by other offers and had not yet received a quote from them. Quinn quoted me approx £1300, they then posted the quote out a week later. I phoned enquiring as to why it had increased so much, again. I was told on the phone that it is 'what happens, premiums have gone up across the board' and that they would NOT do me a better deal for under £1000. I told them I would look around and get back to them. I was then told by them that they would cancel my renewal. I told them not to as I had not requested them to do that and if I was to do that I would do it in writing, only to be told that they won't accept it in writing, only by phone.
After ranting this out to my mother and boyfriend later that day, I emailed Quinn telling them of the poor customer service and to check that they had NOT cancelled my renewal. I got an email back saying that they had cancelled my renewal "as requested".
It is a good job I checked this, as had I stayed with Quinn expecting my renewal to go ahead (as it states in their paperwork that it will unless I tell them otherwise)I would have been driving my car around uninsured - Absolutely NOT acceptable!
It seems they would rather rip off their customers than have them at all. I probably would have paid a bit more with them to avoid the hassle of chasing up new business with another company but as they would rather me not be their customer (currently of 3 years with no claims) I have found the same policy with another (reputable) company for £850.
Here's the inside track on Quinn - I have two personal experiences of them - both bad. One from my policy another from my partner's son. Mine first - I insured a little runaround I'd bought for my son to learn to drive, foolishly using my own name as policy holder and him as a named driver. We had the mildest of bumps with an old BMW driven by an Eastern European who made such as fuss about the incident that my partner filmed both him and the damage on her blackberry. We spoke to Quinn and told them that there was virtually no damage and we were suspicious of the circumstances. We heard no more and assumed they had rejected any claim. When the renewal came they were asking for £2400 to insure a £200 car and told me I'd lost my no claims bonus. Turns out they had paid £1500 to repair a 15 year old BMW (which was worth about £800) without any sort of evidence or investigation - and to add insult had paid for car hire. I now have no NCD and no car as a result. My partner's son had a similar experience. He was reversing out of a parking space when another car hit him. He didn't accept liability but Quinn paid out for repairs and whiplash - for a crash that happened in a car park with a 5mph limit. If the other driver had whiplash they must have been speeding and were therefore liable. Quinn made no attempt to fight or dispute liability they just paid out and tried to pass the cost on. Avoid like the plague. I'm still dealing with the ombudsman on this. If anyone else has similar stories I'd like to hear from them.
I took out a policy with Quinn direct last year to insure my partner and I on our car. We used a comparison site called moneysupermarket, and Quinn direct came in as the cheapest.
I took out the policy online, and paid the deposit, and then the monthly payments came out as stated.
A few months after this i had to change my car because my current car broke down, and would have cost more to fix than the car was worth (only worth a couple of hundred pounds).
I made a phonecall to Quinn and asked could i change my vehicle instantly. They said yes, but i would need to pay an extra 80pounds for the year because my new car was newer than my old car.
I was happy with this, so accepted it.
A few weeks after this I was unfortunetly involved in a crash. A woman came out of a side road to turn right, and hit my car quite badly.
I was a bit shaken up, but more worried because my young child was in the car, and she hit the car where he was sitting in his child seat.
I phoned up Quinn direct to inform them on the accident, and was asked lots of questions.
They even asked me if i had my car up for sale recently? obviously i didnt because i had only just bought the car.
The woman who dealt with my claim was very nice, and got things sorted for me pretty much straight away.
The nest morning Quinn phoned me to say that the other woman admitted liability, and that I would be receiving a phone call from a car rental place so i could rent a car at the other persons insurance companys expense.
They also arranged for my car to be taken away to be repaired, and it was :)
I have two 17 year olds, one boy and one girl. I did an online comparison check for insurance and it came up with this company as the best quote.
We had a group one car which my partner used and we were going to learn them to drive. So with full no claims and the addition of these two, the quote went up from £12.50 a month to £68.00 but we accepted it as it was one of the cheapest.
The twins been leaning to drive about 5 months now and one twin shows no interest and the other has got his own car so we thought lets take them off the policy which has been running about 6 months.
Well a few weeks ago my step son who is 31 had his car in for servicing and it was a bit of a bind taking him back and from work so the plan was phone the insurance company up, remove the twins and put a 31 year old on with no accidents or convictions.
We thought we`d save a few pennies and our monthly insurance would go down.
Hahaha how nieve were we, yes no problem they said we`ll take the twins off and add one driver, "that will be an extra £411 in addition to what your paying", we thought we`d heard wrong so we asked to go though it again and it was correct.
We said let us have a think about it and we`ll see whats what.
I immediately went online and had did an insurance quote, and with a big insurance company the quote comes in at £282 for the year. So obviously be phoned Quinn back and asked for a rethink...."no he said the quote is still £411 more"
We immediately cancelled this insurance, they havent mentioned cancellation charges, but they would technically owe up money as the monthly payments are done over 10 months and we cancelled after seven.
There is a slight problem we`re having with them and thats that we cant get a proof of no claims from them. I current insurance has given them the fax number, but we`re still waiting.
My thoughts with Quinn are, if you take out a policy and make no changes you`ll be ok , I havent tried claiming and I dont know of anyone else that has.
So I cant complain about that, but I can complain about the charges if you want to make amendments
Do not use this company on any account. I had the misfortune to call on their breakdown cover. The breakdown service was abysmal.... A surly rude man who said he didn't know what was wrong. He said it wasn't the battery as he first thought. My car is a Suzuki automatic. He asked me to find a garage. I was 150 miles away from home and did not know the area. I had to ask a local who gave me the name of a garage. I passed this onto the breakdown man who said I had to ring them. This I did. The breakdown man said he knew the garage and towed my automatic car away. Upon reaching the garage, he left me. The garage could not fix the car as it was a Suzuki and they did not have the correct computer diagnostic system. The mechanic phoned Quinn and after giving them my policy no, was told that a recovery vehicle would be sent within an hour, and my car would be taken to another garage. After two hours I rang Quinn who told me that no phone call was ever made. (I had three witnesses). There was nothing they could do. Another call to them resulted in them telling me it was my fault for nominating an incorrect garage, and I was on my own. I had to organise a tow to another garage. Another call to Quinn resulted in them telling me I did not have a policy with them, they had no record of me on the system, despite all the previous calls I had made. Eventually I spoke to a very rude manager who shouted at me and denied any call had been made to them from the garage. My car could not be fixed, and I had to get home. I asked for a replacement car only to be told that I was not covered and that they were tired of me. My partner called them on my behalf who was fobbed off also, but he demanded to speak to a manager. Turns out I was covered. . It was too late for me to drive home as my night vision is poor, so I had to make my own arrangements to get home. I had to pay for yet another tow to another garage, where it was eventually fixed . I then had to find my way back to retrieve my car which was 130 miles away. A total and utter disaster. I WILL ON NO ACCOUNT RENEW MY POLICY WITH THIS DISGRACEFUL OUTFIT.
By far the worst company I have ever had the misfortune to deal with.Customer service is a joke, they are cheap for a reason, they will make it their mission in life to do nothing for you. Don't even think about using their breakdown cover... its a joke. When I complained about the disgraceful service, and remarked that I would be writing to the FSA, they simply said "Oh no you wont do that as we are in Ireland and we are not covered by them", even though it says differently in the policy book. On no account use these people.I have only given them one star because i cant give them zero stars.
Appalling, they leave you stranded, the breakdown is a joke. I spent all day stranded with them denying I was covered at all, got shouted at down the phone, they hung up on me several times, refused to get a manager. I got told breakdown cover doesn't apply during the day,what a joke.In the end they admitted I was covered but refused to organize a hire car although their policy says they will. The Ryan Air of car insurance, an absolute joke, don't touch it with a barge pole. I have never been spoken to in such a disgusting way,they are badly trained and willing to lie about calls they have received and when you have to ring repeatedly the same person answers and says ,"oh its you again" .I wonder how bad service can be, but this outfit outstrips anyone Ive ever come across before.Unforgivably bad .They told me my postcode was wrong despite having written to me, They told me my registration was wrong despite having an insurance cert with it on from then, in fact they didn't stop at anything to shirk any responsibility,RUDE RUDE RUDE. Eventually and too late by far to be of any use, they agreed I was covered. DONT USE THEM,just to save a few quid you will regret it.
*WARNING - THIS IS A LONG REVIEW ABOUT MY EXPERIENCE, I AM NOT PROMOTING QUINN OR RECOMMENDING THEM IN ANY WAY, IF YOU ARE LOOKING FOR A GOOD CAR INSURANCE COMPANY, YOU'RE WASTING YOUR TIME READING MY REVIEW - IF YOU ARE LOOKING FOR INFORMATION ON QUINN SEE THEIR WEBSITE, MANY THANKS*
After seeing that there had been only one review written and it was mostly positive, I felt I needed to contribute for the sake of balance. My experience hasn't been brilliant.
Now, I've probably been a bit naive when it comes to car insurance, it's all new to me. But we've all seen those television adverts boasting the brilliance of price comparison websites and plenty of friends and relatives had also recommended them telling me "you can't go wrong".
I bought my 1.2 Renault Clio in October 2008 at a bargain price and to subsidise my driving lessons because to put it nicely, my instructor was downright useless. I got a one hour lesson once every 3 weeks if I was lucky, so felt it would help if I got my own car and had friends and relatives take me out for extra practice. Good idea, no?
No, not really. Yes the extra practice helped but I would soon experience my first car insurance nightmare. I sat at my laptop with the supervision of an experienced driver who new what to roughly expect with my first quote.
I keyed in all my details and waited as the site generated the best quotes from all sorts of car insurance companies.
As I was a provisional driver and was looking to be insured under that, I had been warned to expect to pay around £1000. Ouch I thought, but thinking about the long term and the need to pass my driving test as soon as possible, I allowed for this amount.
When the quotes came on screen I was pleasantly surprised, yes most were in the region of £1000+ but I had also found one for just £800, and with my deposit of £150 it made my monthly payments only £50, which I could comfortably afford at the time as I was living rent/bills free.
Who are Quinn? I asked, Nobody I knew had heard of them, but if the price comparison website reckons they're good then what the hell! I signed up on the spot.
The first few months were fine, I paid my £50 a month and drove around in my lovely little car (supervised of course), but as my driving ability improved and my test date came nearer and nearer I was told I'd have to make my insurance company aware if I passed my test. 'No problem' I thought, I'd again been warned to expect it to rise a little, but as Quinn were so brilliant in my mind at this time, I had no worries.
So April 1st 2009 comes and I successfully pass my driving test for the first time. Woop woop. Freedom! No more supervision, just me, the clio and the road. Brilliant.
I get home and ring the Quinn helpline and tell the lady operator I want to change my policy to a full licence holder. "Ok, all done" she says "Your new premium is £1700". "What?!?!?!" I replied. "Oh don't worry" she assured me, "Your monthly payments will stay the same for the time being, but your last 3 payments will be £260".
I calmly put the phone down, now my glee had turned to horror. My circumstances had changed, I was now renting. How on earth could I afford to make these sorts of payments on such a low income with so many outgoings??
For the 2 of the 3 last payments I managed to scrape the cash together, but come the third and final I was struggling. I rang Quinn once again asking for assistance. "Oh no," I was corrected, "You have two payments left at £260."
I slammed the phone down furious, 4 payments???? I had been told of 3. I was disgusted and vowed that I'd never be a customer again and would warn all my friends and relatives to.
Going back to my 'trusty' price comparison site. I did a new quote, this time for full licence and found a quote for just £800. A whole £900 cheaper than Quinn. Armed with my findings, I rang the customer centre again, they weren't going to defeat me that easily!!!
"Hi I'd like to cancel my policy please" but of course I was given the usual rabble about cancellation fees, paying the remainded of the policy etc etc.
"I'm disgusted and would like to speak to a manager"
I explained to the manager about my whole experience, about my brilliant first quote for provisional and about how it doubled and more when I passed my test. I also told him how I'd found a quote saving me £900 elsewhere and if they couldn't match it they'd lose my custom and I wouldn't be making anymore payments.
He apologised for my experience but explained that they didn't match quotes. But since I only had 2 more payments to make and then I'd be covered until the end of October (I'm ashamed to say it) ... he managed to talk me around.
He said that if I switched my policy from Fully Comprehensive to Third Party Fire and Theft for the remainer I would need to only make 2 payments of £15 each. He also told me that if I remained a customer until October they would give me a years no claims bonus. I asked how this could possibly happen as I'd only been a full driver since April and he said because I'd been a customer of theirs since October and hadn't made a claim they would treat me no differently to full licence holders.
Eventually I agreed, after noting the date and time of the call and the managers name and promise. In the end it worked to my advantage - a years no claims will save me a further £100 when I renew (but I will be going elsewhere)
But I must say I'm disgusted with the lack of help given by the customer service, the extortionate charges and the lack of correspondance.
Though the manager was very helpful and saved me £500 in the end, I will not return as a customer and will never recommend them.
It seems there are very few people have even heard of quinn direct, I have used them for three years and get the cheapest insurance I can find with them.
There is a discount for young drivers which is always handy and it is easily managed online with your own account.
The only problem I have found with quinn is that you cannot insure someone on your motor for less than 4 weeks, this can be irritating if your on a long distance drive or lending your car to someone for picking you up from the pub :)!
They give you plent of renewal time and put a good discount on each year, I am 22 years old driving a Renault Clio 1.4i x reg, cheapest other than Quinn Direct was £622 Third party F & T With two years no claims, they have just renewed mine for £365.
Good Company, english call centres, so far haven' had a crash so will update if I do (touch wood I won't)