Quinn refusing to quote me on high powered cars until I'm 30

fitzgese

Having not looked for insurance for anything other than my 1.6 Primera for a couple of years, was very surprised when I rang Quinn to find out that they wouldn't even quote me on a 330Ci until I'm 30. Does this seem a tad excessive? (I'm 25) We're not even talking an M3 here.

I know there's somewhere I can get insurance from out there, but at the same time I thought Quinn used to be good at insuring the younger driver. Do they just not want to touch (relatively) high performance cars these days?

Jagle

they have to quote you, you just dont have to like the quote..

isnt the trick to ring them up and tell them its bought, whats the costs of insurance

dlofnep

I think they legally have to provide you with a quote. That's my understanding of it anyways.

TestTransmission

What's the car?

Nonoperational

330CI?

Anan1

Every insurance company has their own rules, and QD don't want to insure the OP on a BMW 330i until they're 30. I don't mean to sound smart, but I see nothing remarkable about that.

Monty Burnz

Jagle wrote: »

isnt the trick to ring them up and tell them its bought, whats the costs of insurance

That sounds a bit risky, doesn't it? Why would they quote you a lower figure just because you have it bought? You might end up with a car you can't afford to insure, and have to ship it on at a loss.

Jagle

Monty Burnz wrote: »

That sounds a bit risky, doesn't it? Why would they quote you a lower figure just because you have it bought? You might end up with a car you can't afford to insure, and have to ship it on at a loss.

again i said the trick is to ring them up and tell them you bought it, now whats the quote for a year of insurance.. the car being in the driveway or not is only something you can prove

Monty Burnz

Jagle wrote: »

again i said the trick is to ring them up and tell them you bought it, now whats the quote for a year of insurance.. the car being in the driveway or not is only something you can prove

Ah, of course, my bad. But why would they quote a lower figure than if you tell them you are considering buying the car?

Jagle

Monty Burnz wrote: »

Ah, of course, my bad. But why would they quote a lower figure than if you tell them you are considering buying the car?

read again, i never mentioned a lower figure, the OP was refused a quote, which is illegal, but they can quote you a made up figure to get rid of you.

but if you tell your insurer that youve just bought a new car they have to quote you, it will probably be cheaper, as its not a mad number to get rid of you, its what you have to pay for the annual insurance..

dlofnep

Heya - My brother works for Quinn. I asked him there - He said that if you have 3 refusals from insurance companies, then you are legally entitled to a quote.

SV

Quinn once refused me insurance on a high powered car.
So I told them to put me through to the cancellation line as I wanted to cancel my policy straight away.

I got put through to a supervisor who could offer me a quote :rolleyes:


Risky...but it works.

Agricola

SV wrote: »

Quinn once refused me insurance on a high powered car.
So I told them to put me through to the cancellation line as I wanted to cancel my policy straight away.

I got put through to a supervisor who could offer me a quote :rolleyes:


Risky...but it works.

The end result is the OP will surely get an absolutely ridiculous quote that he couldnt even contemplate buying.

fitzgese

Anan1 wrote: »

Every insurance company has their own rules, and QD don't want to insure the OP on a BMW 330i until they're 30. I don't mean to sound smart, but I see nothing remarkable about that.

Yeah this is more what I'm getting at, I'm pretty sure there is some insurance company out there that will quote me, my point was more has QD changed their target market in the past few years? When I was looking to get insurance first time, they were pretty much the only company who would give me a reasonable quote. I guess there's nothing really remarkable about it, a better question to ask would be is there any insurance company (besides XS direct) that caters for the younger driver looking to insure a higher performance car, that will quote online for these types of cars?

I will ring probably ring them all eventually, just want to cut down on the permutations of cars and companies as far as possible, or at least get a rough idea of what it would cost to insure certain cars without having to spend hours on the phone.

needadvi

I started driving two years ago and was advised to ring quinn for a quote. They gave me such a terrible quote that I shook with shock!!! Many phone calls later Axa came and saved the day!

A year later I got a letter in the post from Quinn, they had the quote I got from Axa a year earlier on the page, and asked me if I would like to insure my car for less than this. I mentally declined this offer, lol, because Axa has a no claims bonus scheme. I got a renewal quote from axa and my insurance for the second year was four hundred euro cheaper than the year before.

Magic Beans

You can have the last laugh, when you are 30 Quinn won't exist any more.

steve9859

I remember Quinn quoting me €7,500 for insurance on a 325 when I was 27. Eventually got a good quote from Eagle Star. Dont know whether they are still in the Irish market though

needadvi

steve9859 wrote: »

I remember Quinn quoting me €7,500 for insurance on a 325 when I was 27. Eventually got a good quote from Eagle Star. Dont know whether they are still in the Irish market though

YOUR JOKING???? NO WAY!!!!! THAT'S BEYOND UNREASONABLE FOR ANYONE OF ANY RISK!

ResearchWill

Anan1 wrote: »

Every insurance company has their own rules, and QD don't want to insure the OP on a BMW 330i until they're 30. I don't mean to sound smart, but I see nothing remarkable about that.

Equal Status Act. Also if I remember correctly the EU not sure which body and too lazy to look it up, found that cheaper quotes for women are illegal, i think there is a phase out period. I have heard of at least one person who took an insurance company to the Equalit Tribunal, the matter was settled.

steve9859

ResearchWill wrote: »

Equal Status Act. Also if I remember correctly the EU not sure which body and too lazy to look it up, found that cheaper quotes for women are illegal, i think there is a phase out period. I have heard of at least one person who took an insurance company to the Equalit Tribunal, the matter was settled.

Does evidence of heightened risk not trump equality legislation. The issue if I recall with women getting cheaper quotes was that it wasnt backed up by evidence of them being lower risk. I dont think the same would apply for guys under 30 in sports cars

ottostreet

330ci is a great car, get it!

savagecabbages

A while back they wouldn't quote me on a 1.8t 150bhp mk4 golf gti, but were happy to quote me on a 2.0 16v 150bhp mk3 golf gti. They pulled the 'high powered' card on me, though both cars have the same output...

I kinda had to keep my mouth shut as I did want a quote on the older one!
It is rubbish, but as mentioned, Quinn can do what they want...

Jagle

savagecabbages wrote: »

A while back they wouldn't quote me on a 1.8t 150bhp mk4 golf gti, but were happy to quote me on a 2.0 16v 150bhp mk3 golf gti. They pulled the 'high powered' card on me, though both cars have the same output...

I kinda had to keep my mouth shut as I did want a quote on the older one!
It is rubbish, but as mentioned, Quinn can do what they want...

how did they pull the high powered card, both cars are the same power output, the "higher power" car has a smaller engine even..

savagecabbages

You tell me:rolleyes:

Must be to do with the higher loadings on a mk4 or something... Thats what yer wan on the phone said anyway. A 1.8t gti is considered a high powered car.

Jagle

savagecabbages wrote: »

You tell me:rolleyes:
A 1.8t gti is considered a high powered car.

by who? come out of it, a 1.8 high powered. i thought high power would be 2.5-3l 300hp + thats what id call high powered

savagecabbages

By Quinn -hence me posting here in this thread!

High powered is a subjective term, but I guess for insurance companies 150bhp is enough. That said Golf GTIs have been notoriously hard for younger drivers to insure for years...

For me anything over 180 would be high. Anything over what would be considered average for a family car is high(er) powered. But thats just me:D

Jagle

savagecabbages wrote: »

By Quinn -hence me posting here in this thread!

High powered is a subjective term, but I guess for insurance companies 150bhp is enough. That said Golf GTIs have been notoriously hard for younger drivers to insure for years...

For me anything over 180 would be high. Anything over what would be considered average for a family car is high(er) powered. But thats just me:D

so we should only drive family hatchback/saloon cars..
sure why would you want anything more?

i think insurance companies, like this government also need to be replaced with a less idiotic system

savagecabbages

I know what ya mean, but I can understand their system to an extent. A young driver is more likely to have an accident, so keeping the younger drivers out of higher powered (more expensive) cars means that when an accident occurs the payout is less. An insurance company is a business after all, not a public service!

Someone now will tell me not all young drivers are a risk, but we cant all be judged on an individual basis...
Its not fair, but what is?!?

Jagle

savagecabbages wrote: »

I know what ya mean, but I can understand their system to an extent. A young driver is more likely to have an accident, so keeping the younger drivers out of higher powered (more expensive) cars means that when an accident occurs the payout is less. An insurance company is a business after all, not a public service!

Someone now will tell me not all young drivers are a risk, but we cant all be judged on an individual basis...
Its not fair, but what is?!?

A young driver is more likely to have an accident. over who? by what %. whats classifies an accident?

Id be more inclined to believe an old person, or anyone from 55 up would be just as likely to cause an accident as a young male driver, they forgot rules of the road, cant react as quickly, its just BS, total PC BS that allows them to fleece peoples pockets.

My father, 61, had had more crashes, and more cars in the last 5 years when i started driving, the guy is a menace, never had to do a test, but is "safer" then me, Fúck Right Off

steve9859

Jagle wrote: »

A young driver is more likely to have an accident. over who? by what %. whats classifies an accident?

Id be more inclined to believe an old person, or anyone from 55 up would be just as likely to cause an accident as a young male driver, they forgot rules of the road, cant react as quickly, its just BS, total PC BS that allows them to fleece peoples pockets.

My father, 61, had had more crashes, and more cars in the last 5 years when i started driving, the guy is a menace, never had to do a test, but is "safer" then me, Fúck Right Off

But the big payouts are when someone is killed or long term hospitalised, not just when there is a crash. Sure, old people might have more prangs, but if you have ever watched the news or read a paper you'll know that most of those who wrap their car around trees and kill their passengers are in their twenties

Jagle

steve9859 wrote: »

But the big payouts are when someone is killed or long term hospitalised, not just when there is a crash. Sure, old people might have more prangs, but if you have ever watched the news or read a paper you'll know that most of those who wrap their car around trees and kill their passengers are in their twenties

Ah right so not knowing the rules of the road/ causing lots of small cashes is fine go right ahead drive on..

just dont kill anyone and costs us lots of money, sounds great.

Point is is that if black people AND I MEAN ALL BLACK PEOPLE were proven the worst drivers you wouldnt see their insurance go up would ya?

Its nonsense, we need to have a proper system that makes sense

savagecabbages

But young drivers have been proven more likely to be in an accident. That's a fact. I'm a young driver. I accept that people my age (moreso younger drivers than me) cause the biggest insurance claims. You can choose to ignore this, but the facts are the facts. Race or skin color have nothing to do with it...

What do you propose?
We cant be judged on an individual basis. How do you decide who pays more/less?
In a perfect world everyone would pay the same, but there are far more 'old' drivers who would end up paying more under a different system, so its not gonna happen...

I'm not picking arguments, insurance companies are businesses. Subject to business models. I hate them just as much as anyone else!!

Greyfoot

Don`t wanna go off topic but i thought i share my story with QD.
Around 3 yrs ago i was just under 30 and was thinking to get an evo or a dc2 so rang a few companies. Had 6+yrs no claim bonus, over 10yrs driving experience owned a couple of high performance cars before.

Now I rang QD and they flat out refused to quote me on the evo which i accepted knowing it was a high performance sport car.

I rang them a day later from my workplace and tried to get a quote on the dc2 and was told it is a high performance car cant insure me.

Now I suspected that there was a little racism involved since i am not irish so gave my phone to my mate who was irish with heavy skanger accent and all to try to insure the very same car with the same details i gave them and on top of that he was a year younger than me.

Guess what? Yo man happily quoted him around 800euro pa!!!

Blood was boiling up inside me so rang them again and asked for a quote and told them why is that they quoted my mate and not me? I was transferred to a supervisor-told them the same story.

He tried to pull the high performance car on me but I reminded him that they quoted my friend for the very same model. Then after a short chat he told me that my driving experience is not sufficient since back home I was driving on the right hand side of the road and more likely to cause accident over here.

Needless to say I kindly said f*** off and hung up...

Vicxas

If Quinn wont do it, go to Britton insurance, they quote high powered cars.

MugMugs

Jagle wrote: »

Monty Burnz wrote: »

Ah, of course, my bad. But why would they quote a lower figure than if you tell them you are considering buying the car?

read again, i never mentioned a lower figure, the OP was refused a quote, which is illegal,

Umm, No its not.

SV

Agricola wrote: »

The end result is the OP will surely get an absolutely ridiculous quote that he couldnt even contemplate buying.

How is that my quote was an extra 430euro for the rest of the year? (11 months remaining)
The cars are blacklisted, it doesn't mean the quote is going to be ridiculous.

Our man in Havana

If you can get 5 refusal letters, you can force a company to quote. You won't like the quote but it will be a quote.

Now the biggest job is getting the 5 refusal letters. Insurance companies are very reluctant to give these out for some reason.

msg11

fitzgese wrote: »

Having not looked for insurance for anything other than my 1.6 Primera for a couple of years, was very surprised when I rang Quinn to find out that they wouldn't even quote me on a 330Ci until I'm 30. Does this seem a tad excessive? (I'm 25) We're not even talking an M3 here.

I know there's somewhere I can get insurance from out there, but at the same time I thought Quinn used to be good at insuring the younger driver. Do they just not want to touch (relatively) high performance cars these days?

http://www.boards.ie/vbulletin/showthread.php?t=2056263264&page=3

msg11

steve9859 wrote: »

But the big payouts are when someone is killed or long term hospitalised, not just when there is a crash. Sure, old people might have more prangs, but if you have ever watched the news or read a paper you'll know that most of those who wrap their car around trees and kill their passengers are in their twenties

While I agree, it would be interesting to see % wise the amount of people that drive.

EG;
There are 125,000 male drivers aged 21.
There are 50,000 male drivers aged 50
There are 30,000 women drivers aged 21.

So if the amount of people driving in one age bracket is higher then of course there are going to be more accidents in that bracket. While there would be less in another bracket, it's not really down to age in my eyes you got to have respect for the road.

This young driver bollix is that bollix. It's simple maths really, if I have 10 oranges in a bag and I add 4 apples into that bag the chances of me getting an orange are very high as I put more oranges in the bag.

MugMugs

msg11 wrote: »

steve9859 wrote: »

But the big payouts are when someone is killed or long term hospitalised, not just when there is a crash. Sure, old people might have more prangs, but if you have ever watched the news or read a paper you'll know that most of those who wrap their car around trees and kill their passengers are in their twenties

While I agree, it would be interesting to see % wise the amount of people that drive.

EG;
There are 125,000 male drivers aged 21.
There are 50,000 male drivers aged 50
There are 30,000 women drivers aged 21.

So if the amount of people driving in one age bracket is higher then of course there are going to be more accidents in that bracket. While there would be less in another bracket, it's not really down to age in my eyes you got to have respect for the road.

This young driver bollix is that bollix. It's simple maths really, if I have 10 oranges in a bag and I add 4 apples into that bag the chances of me getting an orange are very high as I put more oranges in the bag.

Age has everything to do with it. Not just statistically but personally. I first got my Civic and hammered it everywhere like a plank. 11 years later I now drive My Tractor of a Toyota with some common sense. I'm personally suprised I never caused an accident years back.

Idbatterim

I remember Quinn quoting me €7,500 for insurance on a 325 when I was 27. Eventually got a good quote from Eagle Star. Dont know whether they are still in the Irish market though

what a joke, im 27, just got a 325ci and was quoted E417 for TPFT by 123.ie!

Drummerboy08

I've had no problem getting either quotes or getting insured on a Supra, and I'm 23.

Just ring around, and you'll get an idea of whether you'll get insured or not.

challengemaster

savagecabbages wrote: »

But young drivers have been proven more likely to be in an accident. That's a fact. I'm a young driver. I accept that people my age (moreso younger drivers than me) cause the biggest insurance claims. You can choose to ignore this, but the facts are the facts. Race or skin color have nothing to do with it...

What do you propose?
We cant be judged on an individual basis. How do you decide who pays more/less?
In a perfect world everyone would pay the same, but there are far more 'old' drivers who would end up paying more under a different system, so its not gonna happen...

I'm not picking arguments, insurance companies are businesses. Subject to business models. I hate them just as much as anyone else!!

Woah there, since when? And by who?

Raskolnikov

I thought everyone knew at this stage that Quinn have no interest in quoting anyone a good deal?

savagecabbages

challengemaster wrote: »

Woah there, since when? And by who?

Since always. By anybody who has ever studies road accident stats.

“In 2009, Among all car drivers, 17-24 year old male drivers were seven times more likely to be killed on the road"
http://rsa.ie/Documents/Road%20Safety/Crash%20Stats/2009_Road_Collision_Fact_Book.pdf

Numbers-wise there are many 25-34 year olds involved in accidents, but there are FAR more of them on the road than the younger drivers, hence the high risk tag.

Jagle

savagecabbages wrote: »

Numbers-wise there are many 25-34 year olds involved in accidents, but there are FAR more of them on the road than the younger drivers, hence the high risk tag.

no if there are far more of them on the road, of course more are going to be involved in crashes, but that doesnt mean that they are more likely to cause crashes, its stats man..

if i had 100000000 18 year olds and 1000 70 year olds, guess whos gonna crash more

savagecabbages

yes

There are more 25-34 year olds on the road
there are more accidents involving 25-34 year olds

There are less 17-24 year olds driving, with less accidents (numerically), but far more accidents per driver.

It is stats man...

Interesting you compared older drivers with young, the second highest risk category is 65+, hence the difficulty with older drivers getting insurance too

challengemaster

First mistake...you're actually believing what the RSA says, which considering their ageist and sexist propaganda is like, can only be flawed logic.

ABEasy

Jagle wrote: »

steve9859 wrote: »

But the big payouts are when someone is killed or long term hospitalised, not just when there is a crash. Sure, old people might have more prangs, but if you have ever watched the news or read a paper you'll know that most of those who wrap their car around trees and kill their passengers are in their twenties

Ah right so not knowing the rules of the road/ causing lots of small cashes is fine go right ahead drive on..

just dont kill anyone and costs us lots of money, sounds great.

Point is is that if black people AND I MEAN ALL BLACK PEOPLE were proven the worst drivers you wouldnt see their insurance go up would ya?

Its nonsense, we need to have a proper system that makes sense

Totally agree with you, you don't see cheaper medical insurance for young people when they are less likely to cost the insurer than older people. Why not have risk equalization for motor insurance?

Mr Keek

Our man in Havana wrote: »

If you can get 5 refusal letters, you can force a company to quote. You won't like the quote but it will be a quote.

Now the biggest job is getting the 5 refusal letters. Insurance companies are very reluctant to give these out for some reason.

They cannot refuse these letters, the financial regulator has set this out as part of it's Compliance/Consumer protection code.

In fact, if a company has to refuse a quote, the company is supposed to tell the customer that they can request said letter and they must also inform that they may refer the case to the 'Declined Cases Board' with the Irish Insurance Federation.

Very few companies, bar the one I work for, actually follow up on this....we're compliance freaks!

steve9859

ABEasy wrote: »

Totally agree with you, you don't see cheaper medical insurance for young people when they are less likely to cost the insurer than older people. Why not have risk equalization for motor insurance?

The difference is that we are all going to get old, and society owes a duty of care to the elderly (whether Ireland delivers on that duty is a subject for another thread!). Hence risk equalisation as part of the healthcare strategy.

But society does not have a duty to provide the funds for people in their twenties to drive fast cars. You have to decide how much horsepower you can afford.