Quinn will not insure me

Dubdude

So i put a 2008 VW Golf 1.4 GT Sport 140bhp on hold on sat and monday morning i decide to ring my insurance to find out how much it will go up when i swap over to the new car only for the guy to tell me "sorry we are not in a position to insure you on that vehicle" i thought he was jokin and he was winding me up. Im 26 full licence and in sept i will have a full 3yrs no claim bonus they tell me i have to be 30 before they would consider me for this car.

Seth Brundle

To be honest (IMO) you are better off away from them!

Beta Ray Bill

Crazy isnt it?

Such a Joke.
try this
http://www.bestquote.ie/

they are pretty good. Hope you get insurance mate.

Made In Ireland

When you've got a full licence and you're older than 25 you should have move to a "real" insurer..

Quinn is somewhere kids go when they need to insure a punto at 18

ibook

Quinn is pretty expensive, I was quoted 2010 Euros for a 1.6 engine, I finally went with 123.ie for nearly half the price!

Nightwish

Quinn are a joke. They were the only company who'd insure me for under a grand when I bought my first car last August. I've now got a 1 year NCB and a full licence and my renewal quote is 670. I was disgusted by it, especially since I put my details into their system online and it came up at 560. I rang them and they said they dont match quotes. I've shopped around and got insured for 390.

L1011

Generally they'll match the online quote if you speak to a supervisor - the front line agents probably can't but either way point blank refuse to. I'm in the probably unique situation of getting a lower renewal quote than the online with the same details, though.

dunkindonuts

Stay away from them. Im 23 and have a GTI and have insurance through hibernian for only 1050. thats a bargain i think as no one else would insure me.

snowman707

you are far better off with an independent broker

check http://www.sertus.ie/ to see if there is any body from your area in the agency

Eoin

I've been told I wouldn't get a renewal on a couple of cars I was looking at, and I'm with Allianz, not Quinn. They weren't exactly sports cars either. It was a group scheme though, which could make a difference.

Dubdude

I was shopping around y'day and the cheapest i got was 990euro thats wit 2yrs no claims bonus as said in OP i will not have 3yrs ncb until the end of september and if i cancel my policy with quinn now i will be starting my 3rd year all over again so im going to stick it out until sept then move to hibernian so when january comes around il buy a new VW gt sport 140bhp and they will cover me on this

awhir

isnt there a 18 year old lad on here who has a GT 170bhp ? bud you should be able to get insurance no bother.

notahappycamper

awhir wrote: »

isnt there a 18 year old lad on here who has a GT 170bhp ? bud you should be able to get insurance no bother.

Yeah - I think that is "Nismo"?

I've the 170ps GT Sport and I'm with Quinn - will change from them next year though.

I think because I was already with them they insured me again I got the impression if I was a "fresh" quote they wouldn't quote me uintil I was 30!

Dubdude

Notahappycamper - I am already insured with them and just said no they will no give me cover on this car.

Awhir - as i said in my other post i can get insured with hibernian but if i cancel my policy with quinn i will loose the last 10 months of my no claims bonus and will be startin my 3rd year all over again.

Also it would be interesting to find out who the 18 year old lad is insured with maybe he told them its just a normal VW Golf this is what happend me told them all the details they gave me a price and then i said its a gt model and straight away the said no.

listermint

Axa are doing super deals at the moment, i know you will lose your 10 months but give them a call anyway cant hurt to quote. i got a great deal 2 weeks ago, left quinn because they gave me a shocking renewal quote on a new vehicle.

Dubdude

listermint wrote: »

Axa are doing super deals at the moment, i know you will lose your 10 months but give them a call anyway cant hurt to quote. i got a great deal 2 weeks ago, left quinn because they gave me a shocking renewal quote on a new vehicle.

Axa came in at 1275, hibernian still cheaper

Do you have any named driving experience on someone else's policy in additon to your no claims bonus?
Some insurers will discount based on this.
I know Hibernian and Quinn take this into account.

kayos

I could be wrong but seeing as you are already insured with quinn I dont think they can decline cover. They can quote you what they like but I think they are obliged to cover you. Now my knowledge of the motor insurance domain is getting on in years and rusty but I do seem to remember that.

Eoin

kayos wrote: »

I could be wrong but seeing as you are already insured with quinn I dont think they can decline cover. They can quote you what they like but I think they are obliged to cover you. Now my knowledge of the motor insurance domain is getting on in years and rusty but I do seem to remember that.

As I said earlier, I have been told that my policy would not be renewed with certain cars. If a company simply does not cover certain types of cars, then this would be a glaring loophole if they did have to renew.

However, each time they did give me a price for the duration of my policy which could be the extent of the obligation.

Dubdude

ronoc - no i have never been on anybody else's insurance as i was told it was always better to get your own.

kayos - if you dont believe me why not ring up and make up a story saying you have a 26yr old son and want to get insurance for him on the same spec car as i have and let me know how you get on

alexmcred

Dubdude wrote: »

So i put a 2008 VW Golf 1.4 GT Sport 140bhp on hold on sat and monday morning i decide to ring my insurance to find out how much it will go up when i swap over to the new car only for the guy to tell me "sorry we are not in a position to insure you on that vehicle" i thought he was jokin and he was winding me up. Im 26 full licence and in sept i will have a full 3yrs no claim bonus they tell me i have to be 30 before they would consider me for this car.

Hi Dubdude I have the same car and Quinn and Allianze (sp) both were not interested in quoting me. I was with allianze at the time but they wanted 90 a month from me for it. That would have cost me 540. Went to insure.ie and got a full year for 525. I'm 28 with three years NCD and full license.

Also the AA are worth a try due to the VW breakdown service being provided by them they will give you the membership discount as well.

Honey-ec

eoin_s wrote: »

If a company simply does not cover certain types of cars, then this would be a glaring loophole if they did have to renew.

However, each time they did give me a price for the duration of my policy which could be the extent of the obligation.

That's weird - Quinn don't cover convertibles either but because I changed to one mid-policy, they covered me no problem and also issued me with a renewal once my policy was up.

Vertakill

To the OP: I'm 22, and I was going from a 190bhp Celica to a 287bhp 350z and Quinn basically told me to go fuk myself.. However, there is a way around this.

Rang around and got another quote and was phoning Quinn to tell them that I was canceling my insurance with them and the Quinn guy asked me if I'd bought the car, to which I repled no, not yet.
He then asked me (seemed like he gave me 2 opportunities for this as he was real sound) if I'd placed any money on the car at all, ie. a deposit.
I told him yes, just for the craic and he said "Oh in that case, I'll have to get a quote for you seeing as you're financially tied with this car now".

So, was on hold a couple times as he consulted his superiors and eventually I was quoted for about €300 more per year on top of my existing policy and I didn't have to go through the hassle of switching companies etc.

So if you maybe tell them you've bought the car (white lie) and you want a quote on it, or if you ask them if they could send you out your proof of your NCD (usually an alarm goes off that customer on phone is planning to leave which triggers groveling by insurer) and see what their response is.

CPG

Quinn will give you are renewal on any car, however you wont get a new policy on any car. I'm with quinn and I drive a 230bhp volvo t5. And that cost me €490. And my home insurance is free with quinn as my company healthcare is with them too. Its only crap if its not to "your" advantage.

Dubdude

Vertakill wrote: »

To the OP: I'm 22, and I was going from a 190bhp Celica to a 287bhp 350z and Quinn basically told me to go fuk myself.. However, there is a way around this.

Rang around and got another quote and was phoning Quinn to tell them that I was canceling my insurance with them and the Quinn guy asked me if I'd bought the car, to which I repled no, not yet.
He then asked me (seemed like he gave me 2 opportunities for this as he was real sound) if I'd placed any money on the car at all, ie. a deposit.
I told him yes, just for the craic and he said "Oh in that case, I'll have to get a quote for you seeing as you're financially tied with this car now".

So, was on hold a couple times as he consulted his superiors and eventually I was quoted for about €300 more per year on top of my existing policy and I didn't have to go through the hassle of switching companies etc.

So if you maybe tell them you've bought the car (white lie) and you want a quote on it, or if you ask them if they could send you out your proof of your NCD (usually an alarm goes off that customer on phone is planning to leave which triggers groveling by insurer) and see what their response is.

When i got off the phone wit the original guy who shot me down i rang head office straight away and the girl i was dealing with said there has been a note left on my file that i applied for cover on the car and that theres no way they could give me cover. Ah well there loss as come sept. i shall be gone from them and moving somewhere else

Santa Claus

alexmcred wrote: »

Also the AA are worth a try due to the VW breakdown service being provided by them they will give you the membership discount as well.

You won't get the membership discount as you're not an AA member. True they operate the VW assist breakdown service but this does not give you AA membership !

Also, from previous experience the AA are very cautious and generally won't touch males under 25 as they can't get quotes for them!

Atomic Pineapple

kayos wrote: »

I could be wrong but seeing as you are already insured with quinn I dont think they can decline cover. They can quote you what they like but I think they are obliged to cover you. Now my knowledge of the motor insurance domain is getting on in years and rusty but I do seem to remember that.

There is no law saying they have to give you a quote, most companies do it to keep customers but quinn has grown so big they dont have to increase there risks now, however legally if they are within there right to refuse you cover even if you have a policy with them or even if you say you've bought the car.

Dubdude wrote: »

When i got off the phone wit the original guy who shot me down i rang head office straight away and the girl i was dealing with said there has been a note left on my file that i applied for cover on the car and that theres no way they could give me cover. Ah well there loss as come sept. i shall be gone from them and moving somewhere else

Quinn have a two tier quoting system now, if you only talk to the first person you get on the phone they'll only quote you under a certain bhp according to your age and ncb but if your an existing customer and you ask to speak to a supervisor or manager they will unlock the system and allow quotes on more cars

CharlieCroker

Was with quinn, they wouldn't insure me on a Bmw 320i Coupe. Went to Onedirect.ie and got it for e800

caesar

Im insured with quinn, a few months back I rang them to get a quote to change my cover over to another car. I was asked if I had paid for the car, to which I replied no as I was just ringing to see how much it would cost if I did. I kinda figured if I had said yes that they would have given me a different answer.

Anyway I was told that they do not those cars or something like you have to be at least 30 years of age.

Later that evening I checked online and it gave me a reasonable quote to change over, I thought it was weird so I checked it the next day and it was the same. I then checked out of curiosity how much it would be to switch to an M3, the quote was €900 to change over for about 6 months. Bottom line they were quoting me on anything thing I put in, grated it was only for TPF&T cover but I was surprised that I was getting these quotes and tbh I cant see how they could refuse to honour these quotes. Im 19 btw, have held my full licence for 10 months and this is my first year on my own policy.

@ OP: If you ring them again and they refuse ask for it in writing as to why they will not cover you.

kayos

My understanding of the motor insurance domain as I said was rusty and getting on in years. I was just recalling the underwriting involved when I used to program systems for the private motor insurance sector.

Not covering a car at all due to class is one thing and most companies have canaries when you mention sports or convertable. But refusing to renew insurance cover is a totally different thing. If companies could do this then they could refuse to renew any one thats had an accident to remove the risk.

New business they could always refuse on all the different grounds. But renewal, was (see past tense it might no longer be the case) a different story.

OldmanMondeo

Just bear in mind that Quinn charge you €50 to cancell the policy and will not refund anything under €50. This means if the remaining of you policy is worth €99.99, you will lose €50 for cancelling and the other €49.99 becasue they will not refund it. This happened to me a few years ago. If you can hold off until the end of you policy and then change the car and tell Quinn where to go.

Dubdude

whats annoying me is the fact that 3 years ago nobody said ok we'll take your money now but when you decide to get a decent car with a bit of speed dont come looking for cover with us until your 30 how can they do this and get away with it

LolaDub

Op you can talk to the irish insurance federation about it. Found this on the national consumer agency website ;

If you keep getting turned down for car insurance, the Irish Insurance Federation (IIF) operates a Declined Cases Agreement. All motor insurers in Ireland have signed up to this scheme.
For assistance in this area, contact the IIF's Insurance Information Service. The IIF is the representative body for insurance companies in Ireland.



Legally you have to have at least third party insurance for the car. If you can't find a company to quote you the iif can get quotes on your behalf as legally they have to insure you but i think they can charge what they want.

kayos

One thing I am pretty sure on is Insurance companies can not refuse on age. I remember the laws being brought in and coding the changes. They can of course refuse you on the length of time you have had your full licence which they did. So to get around refusing all sub 25 year olds they introduced a refuse if the applicant has not held their full licence for X years.

horseydevine

isn't there not something that like if you have the car in your possecion, the company has to quote you??

alexmcred

Santa Claus wrote: »

You won't get the membership discount as you're not an AA member. True they operate the VW assist breakdown service but this does not give you AA membership !

Also, from previous experience the AA are very cautious and generally won't touch males under 25 as they can't get quotes for them!

The OP is 26 and when I rang them they gave me the AA member discount even though I personally do not have AA cover

Biro

Dubdude wrote: »

Notahappycamper - I am already insured with them and just said no they will no give me cover on this car.

Awhir - as i said in my other post i can get insured with hibernian but if i cancel my policy with quinn i will loose the last 10 months of my no claims bonus and will be startin my 3rd year all over again.

Also it would be interesting to find out who the 18 year old lad is insured with maybe he told them its just a normal VW Golf this is what happend me told them all the details they gave me a price and then i said its a gt model and straight away the said no.

Try ringing another branch, get the reg from it (or any one) and tell them it's on your driveway.

Vertakill

horseydevine wrote: »

isn't there not something that like if you have the car in your possecion, the company has to quote you??

Yep, that's pretty much what I was getting at with my last post on here (I'm open to correction here though).

As far as I know, they cannot point blank refuse you a quote if you own that vehicle or are currently paying for it (may only count for existing policy holders though).
They could quote you some ridiculous quote that nobody would take, but I think they have to quote you.


OP:
I can't believe Quinn (who seem to insure anybody and everybody) are refusing you on a 140bhp Golf when you're 26 and have a couple years NCD on a full license. Very very bizarre.

Other than being 4 years younger than you, my situation was EXACTLY the same as you. I was in a bit of a rush to buy a car before July 1st and I had 2 years 9 months with Quinn and I was on my full license just under 2 years. They wouldn't insure me on it and I was determined to get it, but I didn't want to lose the 9 months I'd been with them.

The only difference is my car isn't worth as much as a 08 Golf GT, but usually the value of the car is secondary to other details.

Oh, they also gave me that 'must be 30' spiel as well...

Bobo78

OP- why don't you try Brittons insurance they are very good, i could get quotes from them on almost any car.

Correct address is brittoninsurance.ie

campervan

Dubdude wrote: »

When i got off the phone wit the original guy who shot me down i rang head office straight away and the girl i was dealing with said there has been a note left on my file that i applied for cover on the car and that theres no way they could give me cover. Ah well there loss as come sept. i shall be gone from them and moving somewhere else

thats a real pain alright, Im female and got a decent-ish price with Quinn for a 2.8 vr6 golf (havent a clue what the BHP is), maybe theyre being pricks cos ur male. im definitely changing next year when i have my 3 years NCB too.

Try www.xsdirect.ie, they have a really easy quote system, none of this BS about where u park your car. They run on the basis of you having a higher excess, and they are especially for more powerful cars.

Dubdude

Bobo78 wrote: »

OP- why don't you try Brittons insurance they are very good, i could get quotes from them on almost any car.

Correct address is brittoninsurance.ie

Bobo78 as i stated in a previous post i can get insurance with hibernian but if i cancel my policy with quinn now i loose the last 10 months no claim bonus which means i would be starting my 3rd year all over again where as in sept i will have clocked up a full 3yr ncb which will mean my insurance will be cheaper when i shop around havin 3 rather than 2yrs ncb

Atomic Pineapple

horseydevine wrote: »

isn't there not something that like if you have the car in your possecion, the company has to quote you??

No theres not, I dunno how many people i have to tell this to, I have contacted the IFF and asked them about this, there is no legal obligation on insurance companies to quote you just because you've bought the car without consulting them.

The only way an insurance company legally has to quote you is as LolaDub has stated through the refusal scheme, you ask an insurance company for insurance, they refuse you, you go to x(it was 2 when i asked but 3 and 4 have been mentioned lately) amount of other companies and if they refuse you too the first company legally has to quote you.

@OP,

Have you seen my post stating you can ask to speak to a supervisor or manager at quinn who will unlock more cars in the system, worth a try ringing them up again and asking

Vertakill

Yeah that sounds right Draffodx, definitely heard that somewhere. But do you think they need to quote you if you bought a new car and have a policy already with them? That's the only thing that has me slightly confused.

I definitely think talking to a supervisor is in order here, because there's no reason you shouldn't be getting quoted on that car.

The employees on the phones are just going through a database system and they'll give you a yay/nay depending on what's in front of them.
If for whatever reason there's an error in their database/formula that judges the risk involved in insuring (men) people, then they need to be informed.

The phone employees obviously don't have any say in the matter and they have to follow policy, so you won't get any joy out of them unless it's escalated.

guil

Dubdude wrote: »

Notahappycamper - I am already insured with them and just said no they will no give me cover on this car.

Awhir - as i said in my other post i can get insured with hibernian but if i cancel my policy with quinn i will loose the last 10 months of my no claims bonus and will be startin my 3rd year all over again.

Also it would be interesting to find out who the 18 year old lad is insured with maybe he told them its just a normal VW Golf this is what happend me told them all the details they gave me a price and then i said its a gt model and straight away the said no.

try them again maybe ya just got a jealous ****, sometimes i think they give quotes off the top of their head
sayin that though when i was up for renewal in march quinn were one of the cheapest, i'm payin 650 now on a 05 focus and only axa gave a quote of 650 aswel, hibernian were 1100

Atomic Pineapple

No they dont have to honour an existing policy holder changing there car midway through the policy either, The IFF website is great for info and they reply to email enquiries very efficently too, I'm suprised at how many people dont know about them or use them.

guil

draffodx wrote: »

No they dont have to honour an existing policy holder changing there car midway through the policy either, The IFF website is great for info and they reply to email enquiries very efficently too, I'm suprised at how many people dont know about them or use them.

not tryin to start an argument here but i was told by them that they do and so were a few friends, thats the only reason i bought a scooby when i was 20 with 7 points

Quinns are getting funny from what I have been hearing from friends and family, either not insuring or putting their quotes up.
I was with them till recently, reason why i'm no longer with them is because they put my insurance up this year by €200 for no reason, I've a full clean licence and 2 years no claims. I rang them up and asked them why it went up, all i got back was "it just has", said i could get it cheaper elsewhere and the reply i got to that was "go elsewhere, do you want to cancel your insurance" :eek:
I thought they would of at least tried to match the other quote I got

Now with Hiberian at €563 FC, last years insurance with Quinns €758 FC (would of now been €960), now thats some difference.

Vertakill

Ugh. This has me worried. I changed my car 9 months into my policy and they said 'your monthly direct debit will go from xxx to xxx if you want to switch cars' but when I asked what the grand total would be yearly, they wouldn't tell me. They said I'd have to wait and see when my renewal comes up.

So god only knows what sort of figure they're going to give me next, going by what people are saying lately.

Cionád

hellboy99 wrote: »

Quinns are getting funny from what I have been hearing from friends and family, either not insuring or putting their quotes up.
I was with them till recently, reason why i'm no longer with them is because they put my insurance up this year by €200 for no reason, I've a full clean licence and 2 years no claims. I rang them up and asked them why it went up, all i got back was "it just has", said i could get it cheaper elsewhere and the reply i got to that was "go elsewhere, do you want to cancel your insurance" :eek:

Yeah, they seem to be putting up the prices, my premium is not going down at all this year, staying the same. Still the cheapest by far for me though.

guil

mine wnet down 150 this year

Cionád

guil07 wrote: »

mine wnet down 150 this year

1st year: 2600
2nd year: 1250
3rd year: 750
This year: 750 :mad:

Hibernian and others still wary of insuring me on the diesel engine, with its 73 bhp, I could do some damage. :rolleyes: