quinn direct threatening to cancel my cover

michael999999

i renewed my car insurance with quinn direct in march.i paid by laser and they sent out all the forms and there were no problems.that was until today.
i got a voice mail asking could i ring them immediately,which i did.the operator then told me that when i renewed they made a mistake and took a tenner less than they should have and that if i didnt pay the balance in 7 days my cover would be cancelled.
im with quinn 6 years and now im really thinking of cancelling over this out of principle,what would you do.

Indubitable

Threaten to cancel and see what they say. Talk about being a loyal customer for 6 years etc.

Wats_in_a_name

just pay it. otherwise ur gonna have way more trouble moving insurance companies getting refunds and stuff. its just not worth it.

Dravokivich

http://boards.ie/vbulletin/forumdisplay.php?f=580

^ may be more helpfull...

Boxoffrogs

I think it's rather petty of them but you should pay it if you owe it. I'd probably make a complaint if I was you.

Carawaystick

I'd ring the insurance ombudsman in the morning

If quinn made you an offer - insurance at x price and you accepted by paying them x then the contract's done and dusted

Check if there's e&oe on the insurance quote

Have you got the insurance cert yet?

If they ring again ask for everything in writing and refuse to entertain them on the phone.

Or charge them an "administration fee" of say 80 euros to pay them the tenner..... They'd do it to you.

Offer to give them the money at a location and time of your choosing...


In summary tell them to get lost. undercharging by a tener is the least of Quinn's worries

in summary don't panic,

dr.bollocko

Moved from after hours.

L1011

Threatening to cancel gets nowhere with Quinn, for those suggesting it.
Their customer care team are unable to move an inch to save a four figure premium, and that was before the administration kicked in.

orourkeda

Did the payment amount taken match the price stated on the renewal notice?

MagicMarker

Carawaystick wrote: »

I'd ring the insurance ombudsman in the morning

If quinn made you an offer - insurance at x price and you accepted by paying them x then the contract's done and dusted

Check if there's e&oe on the insurance quote

Have you got the insurance cert yet?

If they ring again ask for everything in writing and refuse to entertain them on the phone.

Or charge them an "administration fee" of say 80 euros to pay them the tenner..... They'd do it to you.

Offer to give them the money at a location and time of your choosing...


In summary tell them to get lost. undercharging by a tener is the least of Quinn's worries

in summary don't panic,

Jesus christ!

OP, just pay the damn tenner or cancel if it'll make you feel better.

This is what you call, a non issue.

orourkeda

Carawaystick wrote: »

I'd ring the insurance ombudsman in the morning

If quinn made you an offer - insurance at x price and you accepted by paying them x then the contract's done and dusted

Check if there's e&oe on the insurance quote

Have you got the insurance cert yet?

If they ring again ask for everything in writing and refuse to entertain them on the phone.

Or charge them an "administration fee" of say 80 euros to pay them the tenner..... They'd do it to you.

Offer to give them the money at a location and time of your choosing...


In summary tell them to get lost. undercharging by a tener is the least of Quinn's worries

in summary don't panic,

I'm very much open to correction but I very much doubt that the insurance ombudsman would entertain a dispute over a 10 euro shortfall in a renewal quote. It wouldnt be worth their while.

Its worth a try I suppose but I wouldnt hold my breath if I were you.

Mr Benevolent

MagicMarker wrote: »

Jesus christ!

OP, just pay the damn tenner or cancel if it'll make you feel better.

This is what you call, a non issue.

Agreed. Pay the thing and get over it.

michael999999

Carawaystick wrote: »

I'd ring the insurance ombudsman in the morning

If quinn made you an offer - insurance at x price and you accepted by paying them x then the contract's done and dusted

Check if there's e&oe on the insurance quote

Have you got the insurance cert yet?

If they ring again ask for everything in writing and refuse to entertain them on the phone.

Or charge them an "administration fee" of say 80 euros to pay them the tenner..... They'd do it to you.

Offer to give them the money at a location and time of your choosing...


In summary tell them to get lost. undercharging by a tener is the least of Quinn's worries

in summary don't panic,

i have the cert since start of march.i rang to pay the agreed renewal by laser and thought it was done correctly.today was the first time they had contacted me.ive had neither a letter or phone call about this in the three months since.i got really pissed off on the phone.i would be embarassed and out of business if i treated one of my customers like this for a tenner.
this was there mistake,they took out the wrong amount.

michael999999

Confab wrote: »

Agreed. Pay the thing and get over it.

why should i,it was there mistake!

Colonel Sanders

So OP did you offer to pay (and were charged) the amount stated on the renewal form? No idea about a legal standing but if it was an error on their behalf then I can't imagine they'd lose goodwill (and by the sounds of it a customer) over 10 if it was their mistake. If they stated a renewal premium & charged you 10 less by mistake they may pursue it.

Mike 1972

Carawaystick wrote: »

If quinn made you an offer - insurance at x price and you accepted by paying them x then the contract's done and dusted,

And the OP may have had another quote 1-9 Euro higher than Quinns offer which they turned down on account of Quinn being cheaper.

Profiler

michael999999 wrote: »

i renewed my car insurance with quinn direct in march.i paid by laser and they sent out all the forms and there were no problems.that was until today.
i got a voice mail asking could i ring them immediately,which i did.the operator then told me that when i renewed they made a mistake and took a tenner less than they should have and that if i didnt pay the balance in 7 days my cover would be cancelled.
im with quinn 6 years and now im really thinking of cancelling over this out of principle,what would you do.

If the documentation they sent you say "your annual premium will be €X" but they charged you €Y (ie €X - €10) then you have no grounds to complain.

However if you have documentation that says "your annual premium will be €X" and they are now looking for €X + €10 then tell them to go ram it.

michael999999

Colonel Sanders wrote: »

So OP did you offer to pay (and were charged) the amount stated on the renewal form? No idea about a legal standing but if it was an error on their behalf then I can't imagine they'd lose goodwill (and by the sounds of it a customer) over 10 if it was their mistake. If they stated a renewal premium & charged you 10 less by mistake they may pursue it.

i agreed to pay the renewal on march 11,i rang with my card number,they said the payment had gone through,all the documents and the disc were sent out.no mention of the under charging till today.

michael999999

Profiler wrote: »

If the documentation they sent you say "your annual premium will be €X" but they charged you €Y (ie €X - €10) then you have no grounds to complain.

However if you have documentation that says "your annual premium will be €X" and they are now looking for €X + €10 then tell them to go ram it.

i had no problem paying the stated renewal amount,what pisses me off is that they would threaten to cancel my premium after 3 months over 10 euro.my firsts years premium was 1900 down to 560 this year so they have certainly got there money over the last 6 years.

BnB

Pay the tenner

Then, next March, if you're still peeved when your cover runs out, move.

Lifes too short to do any more than laugh at it

michael999999

i would die of shame if i had to ring one of my customers because i under charged them 10 euro.im expecting a call from the viper tomorrow.the mind truly boggles!

MagicMarker

michael999999 wrote: »

i would die of shame if i had to ring one of my customers because i under charged them 10 euro.im expecting a call from the viper tomorrow.the mind truly boggles!

You knew how much the policy cost, you must have realised they didn't charge you the full amount? At the end of the day the onus is on YOU.

They made a mistake, they admitted it, so just pay ffs.

I HIGHLY doubt they called you demanding payment or else. It was probably them calling you to ask for payment and you giving out shít, and them telling you that if you didn't pay then they'd have no choice but to cancel the policy, and they'd be right.

Del2005

michael999999 wrote: »

i agreed to pay the renewal on march 11,i rang with my card number,they said the payment had gone through,all the documents and the disc were sent out.no mention of the under charging till today.

You still haven't answered on what amount they took. Did they take the amount you where quoted or did they take E10 less? If they took E10 less then you have to pay, granted they don't have the best customer service but no one goes to Quinn for CS, if they took the amount you where quoted tell then to go jump.

michael999999

Del2005 wrote: »

You still haven't answered on what amount they took. Did they take the amount you where quoted or did they take E10 less? If they took E10 less then you have to pay, granted they don't have the best customer service but no one goes to Quinn for CS, if they took the amount you where quoted tell then to go jump.

to be honest i didnt check the statement as i had received all the correspondence back i didnt think there was a problem.i presumed they took the correct amount as they normally do.

CJhaughey

That is a salutary lesson on why you should avoid Quinn direct.
I personally will never deal with that company, they have proven themselves time and again to be capable of sharp practice.
Pay them the 10 and just let them know that you will be moving your business elsewhere when the insurance expires.

stepbar

I think the real issue here is how Quinn Insurance has threated a customer of 6 years all over 10 eur. I mean it's laughable. When I think about with the cost of the phone call and associated admin time spend processing the payment it's hardly worth it at all.

I could understand if the sum of money was a hundred eur lets say but a tenner :rolleyes:

I think I'd be moving insurance company if I were you. Imagine what lengths they would go to if, god forbid, you had an accident and needed to make a claim.

jaffa20

A dispute over 10euro. Seriously, quinn need to get a grip. Surely a loyal customer costs more!

michael999999

stepbar wrote: »

I think the real issue here is how Quinn Insurance has threated a customer of 6 years all over 10 eur. I mean it's laughable. When I think about with the cost of the phone call and associated admin time spend processing the payment it's hardly worth it at all.

I could understand if the sum of money was a hundred eur lets say but a tenner :rolleyes:

I think I'd be moving insurance company if I were you. Imagine what lengths they would go to if, god forbid, you had an accident and needed to make a claim.

it cost them nothing on phone calls because they left me a voice mail to ring them.just wondering is leaving voice mails part of the cost cutting,ie the customer having to ring them.

stepbar

michael999999 wrote: »

it cost them nothing on phone calls because they left me a voice mail to ring them.just wondering is leaving voice mails part of the cost cutting,ie the customer having to ring them.

Well it did, leaving a voicemail costs money. Providing a 1850 number for you to ring back costs them money, needless to say the fact that they provide any phone number costs money. Anyhow that's irrelevant.

For 10 eur, I simply would not pay out of principle. If's that how 6 years loyalty is thought of, It's sad really.

I left Quinn last August and moved to Zurich. For a supposed dearer insurer, Zurich turned out to be cheaper. I haven't regretted it for one minute. I now have a far better policy for 50 quid less.

D_murph

What I recommend is this...

Look up your credit card statements against your insurance cert details. If you have misplaced the credit card statements, go to the bank and they will be able to tell you.

If you were told the premium cost (€560 as you stated in an earlier post) and they took €550 from you, then for the sake of a tenner you should pay it just to be safe. They may not give you a refund considering you are on the policy 3 months already so a tenner could be the cheapest and fastest way out of all this as opposed to looking around for a new insurer and having a "funny" story to tell them.

I would also inform Quinn that this tenner meant they had just lost a loyal customer of 6 years and ask them if it was really worth it . I would definitely let them go to hell next time around after this on a point of principle though.

If on the other hand, they charged you what they asked for the premium and are now trying to screw you over for €10, then I suppose a call to the ombudsman would be in order.

Absurdum

that works out at just over €10 per week, tell them you will send it on week 51 of the policy since you've already handed over €550 to the idiots

cariss1

jaffa20 wrote: »

A dispute over 10euro. Seriously, quinn need to get a grip. Surely a loyal customer costs more!

After 4 years and over 7 grand of my money, Quinn lost my custom over 24euro.
When it came to renewing my insurance last year I decided to put my details into insure.ie and got a quote from AIG which was €24 cheaper than Quinn.
I called customer (don't) care and told them I had received a cheaper quote thinking they'd happily match it on a €740 policy.
The girl sounded amused when I told her why I was calling and her sarcastic tone as she told me they couldn't match the quote suggested she thought I was bluffing so I canceled the policy, more out of principle than my desire to save 24quid on the years insurance.

If you paid in full the amount quoted at the time then I'd recommend you tell them to cancel your policy and take your business elsewhere because it sounds like extortion if they're threatening to cancel your policy unless you pay up.
Its only a tenner and this may be a paranoid suggestion but who knows if they're trying it on with other customers?
The administrative cost to refund your money and send out your no-claims cert. etc. should set them back a bit more than a tenner and they'll also lose your loyal custom.
I'm amazed by their complete disregard for long-term customers.
I don't like to see Irish companies failing but they deserve all the trouble they are in.

Eoin

MagicMarker wrote: »

Jesus christ!

OP, just pay the damn tenner or cancel if it'll make you feel better.

This is what you call, a non issue.

If the bit in bold is actually what was said, then I'd be pissed off as well.

michael999999 wrote: »

i renewed my car insurance with quinn direct in march.i paid by laser and they sent out all the forms and there were no problems.that was until today.
i got a voice mail asking could i ring them immediately,which i did.the operator then told me that when i renewed they made a mistake and took a tenner less than they should have and that if i didnt pay the balance in 7 days my cover would be cancelled.
im with quinn 6 years and now im really thinking of cancelling over this out of principle,what would you do.

Yawns

Until the op says otherwise we have to assume that he got a renewal for €560 but quinn only took €550. They can and will cancel it for a tenner.

Is it worth it? Not in my bloody opinion but it is 1 reason not to go with Quinn. They are useless.

Pay the tenner and tell them to stuff it for the renewal quote next March.


Oh and I have to ask... who doesn't read the policy and letters when they come through the door? Don't assume the all mighty insurance company will get all the lil details right. If you didn't read your policy go do so now cos for all you know the cars details are wrong and if in an accident guess who won't be paying out even if it was their mistake??? That's right, Quinn-Direct!

Del2005

Don't most companies have a clause where you can't have had a policy refused? What affect would this have on the OP if they let Quinn cancel their policy as this is Quinn refusing to insure them?

The OP may be better off just paying the €10 or cancelling the policy themselves. And then never darken Quinn's policies again.

langdang

Carawaystick wrote: »

If they ring again ask for everything in writing and refuse to entertain them on the phone.

Or charge them an "administration fee" of say 80 euros to pay them the tenner..... They'd do it to you.

I've been so tempted to do this in the past - you need something from them and there's an "administration fee",but when they foul up they just start hounding you to do stuff for free for them.

I will never ever deal with AA again - I seriously hope they have improved their systems since a few years ago - they were claiming to have sent out my NCB AND amended the current policy AND cancelled it AND renewed it at the same moment in time at one stage. Charged me an administration fee to get a "copy" of the phantom NCB that never arrived, and then proceeded to hound me to return an insurance disk for the year ahead that never existed either.

Yawns wrote:

Oh and I have to ask... who doesn't read the policy and letters when they come through the door? Don't assume the all mighty insurance company will get all the lil details right. If you didn't read your policy go do so now cos for all you know the cars details are wrong and if in an accident guess who won't be paying out even if it was their mistake??? That's right, Quinn-Direct!

Exactly right - never assume insurance companies hire people capable of basic comprehension/data entry/maths (although considering how much you are paying for the pleasure you'd think they could afford them). Been there done that with wrong vehicle details, funny how "oh that doesn't really matter" when it suits them but they'd have a canary if you'd made the mistake and needed to claim..

inforfun

Tranfer €10,25 into their accounts and in 3 months start bothering them that you want your 25 cents back.

keithclancy

TBH They are the Ryanair of the Car insurance industry.

I rang them about 8 or 9 times looking for my Green Card and they kept saying it was "In the post" about a year later I went to cancel my insurance and they said grand. Posted back the disc + Insurance cert.

Get a call 2 weeks later saying that they wouldn't cancel until I returned the greencard... and I'd have to continue paying it until the green card was returned.

I said "Good luck with that, I'm not living in Ireland anymore, I don't have an Irish bank account, I sold the car and you never sent me the Green Card"

The one on the phone was a total cow aswell.

To be fair though, most of the time they were quite pleasant on the phone, but never did what they were supposed to

Gophur

For a company looking for Public Sympathy and for a company fighting for survival, they (QD) have some serious work to do.

michael999999

just to add to this whole sorry story,i received a registered letter from quinn today reiterating everything that was said in the phone call.
surely they have spent more than a tenner trying to recover it?

mickdw

OP, you still have not clarified whether they are trying to charge you €10 more than quote or whether they just charged you €10 less than quote originally. I would assume they charged you €10 less by mistake. If that is the case, you owe the money to them & their system will be showing you up as having outstanding premium due & they will take action if not collected. The €10 might set off the same cancellation process as complete non payment. I would pay it, safer than giving a very dodgy insurance company a loophole in the event of a claim.
Also, if they were to cancel your policy, they are circumstances where you wont get your money back either.

michael999999

mickdw wrote: »

OP, you still have not clarified whether they are trying to charge you €10 more than quote or whether they just charged you €10 less than quote originally. I would assume they charged you €10 less by mistake. If that is the case, you owe the money to them & their system will be showing you up as having outstanding premium due & they will take action if not collected. The €10 might set off the same cancellation process as complete non payment. I would pay it, safer than giving a very dodgy insurance company a loophole in the event of a claim.
Also, if they were to cancel your policy, they are circumstances where you wont get your money back either.

they charged me ten euros less.

MagicMarker

michael999999 wrote: »

they charged me ten euros less.

Well then you owe them €10

michael999999

im not disputing i owe them a tenner,its the fact that they would go through all this hassle after 3 months is what im pissed over.

-Corkie-

michael999999 wrote: »

just to add to this whole sorry story,i received a registered letter from quinn today reiterating everything that was said in the phone call.
surely they have spent more than a tenner trying to recover it?

Youll have to pay it im with quinn since they started and the price is the price and if you dont like it move on. I still cant get cheaper insurance and i leave them thousands every year. Get over it its only a tenner.

P.C.

michael999999 wrote: »

im not disputing i owe them a tenner,its the fact that they would go through all this hassle after 3 months is what im pissed over.

They have the Finacial Regulator looking at their every move.
If they undercharged you (and you have admitted that they did) it WILL BE PICKED UP - and has been.
They now have to get the money they are owed.

Accountants are very pedantic.
Pay the €10 and get on with your life - the person who undercharged you is probably not getting off so lightly.

cariss1

Ya I agree, give them their tenner if they mistakenly undercharged. It has probably cost more in administrative fees already so it's of little benefit to them but hopefully the regulators are monitoring such action and recognise that there is no benefit chasing people for petty mistakes.
They need to concentrate on prevention not correction and regain some trust.
Sarason, for 2 years I assumed quinn were the cheapest until I checked last year and found better cover for slightly less on a website that no doubt takes their own cut. Re-check every month because you just never know.