Hello Liberty insurance

robbie_998

and welcome to ireland all the way from boston !

i like that youve plastered dublin city with your advertising.

i have just done a quick quote on your site and you seem slightly cheaper than the rest just on a quick online quote.

but i'd like to know are you reliable ?

are you another quinn-direct ?

any thoughts ?

af_thefragile

Well I was with quinn and now my policy moved to liberty.

They're cheapest insurance I can get.

Around 630eur. Compared to around 900-1000eur which pretty much every other insurer has been quoting me.

brembo26

Still find Britton Insurance cheaper. Still I welcome them, the more competition the better!

ted1

Are liberty not the guys who brought Quinn? Not really new.

af_thefragile

So does that mean Quinn is dead now?

Atlantic Dawn

They are Quinn Direct, the same Quinn Direct that you now have to pay an extra 2% on all your insurance premiums to sweeten the sale to Liberty :mad:.

Mycroft H

robbie_998 wrote: »

and welcome to ireland all the way from boston !

i like that youve plastered dublin city with your advertising.

i have just done a quick quote on your site and you seem slightly cheaper than the rest just on a quick online quote.

but i'd like to know are you reliable ?

are you another quinn-direct ?

any thoughts ?

They are Quinn direct albeit under a new name.

Bit early to say whether anything has changed, its less then a month since they took over

af_thefragile

brembo26 wrote: »

Still find Britton Insurance cheaper. Still I welcome them, the more competition the better!

Got an online quote for 1276eur!...

Quinn has been the only insurer who has given me the cheapest quote consistently every time.

Cookie_Monster

I heard all those ads when I was back two weeks ago. I find it funny that they pretend to be all nice and freindly. There's only 1 reason tehy are here; cos they know they can make heaps and heaps of money in a market with very limited competition. Won't tell you that in their silly accent though...

Alanstrainor

brembo26 wrote: »

Still find Britton Insurance cheaper. Still I welcome them, the more competition the better!

Liberty/quinn quote me over 1000 less for insurance compared to britton, I hear people recommending them a lot, but i've never gotten a good quote.

vectra

Atlantic Dawn wrote: »

They are Quinn Direct, the same Quinn Direct that you now have to pay an extra 2% on all your insurance premiums to sweeten the sale to Liberty :mad:.

Does it really matter if the policy carries a percentage extra as long as theyu are cheaper than other quotes?

maidhc

BX 19 wrote: »

They are Quinn direct albeit under a new name.

Bit early to say whether anything has changed, its less then a month since they took over

I have dealt with them for a few years for specialist insurance (not motor related!). No complaints, and they appear to have a good reputation in the trade.

They have stated their intention to make Quinn more "mainstream".

puppetmaster

for what its worth i just used their online system for a quote their about €150 cheaper than quinn were 3 months ago but still €100 more than im paying with another insurer. so nice try but no cigar from my point of view

af_thefragile

vectra wrote: »

Does it really matter if the policy carries a percentage extra as long as theyu are cheaper than other quotes?

Thats my point.

I really don't care what they're doing as long as they continue to give me the cheapest quote.

Also Quinn seems to be one of the few insurers who will insure exotic cars like Porsche and Lotus and all...

dahamsta

vectra wrote: »

Atlantic Dawn wrote: »

They are Quinn Direct, the same Quinn Direct that you now have to pay an extra 2% on all your insurance premiums to sweeten the sale to Liberty :mad:.

Does it really matter if the policy carries a percentage extra as long as theyu are cheaper than other quotes?

I think you're missing the point. ALL insurance is now 2% cheaper because of Quinn. If you didn't miss the point, then yes, it does matter. I don't want to insure with those asshats.

You all realise that cheap is not the same as good, right? You all realise that if it's cheap as chips, it's not because they're dying to compete in Ireland because they love us so much, but because they'll try every trick in the book to get out of paying you if you are unfortunate enough to crash?

Now why does that sound familiar? Hmmmm......

robbie_998

See i always hear bad of quinn-direct.

they are cheap - great..... but when things go bad they stay bad ?

you always hear someone say they dont pay out on claims etc.

and i've always tried to avoid them.


but is it possible that this could be different ? that quinn might not have a say in this and its under new management ?

also its a 300 euro difference if i put in south dublin insted of D22.

or 200 different if i put D24 insted of D22 ! :pac:

vectra

vectra wrote: »

Does it really matter if the policy carries a percentage extra as long as theyu are cheaper than other quotes?

... every motor policy in the country has the 2 per cent on it.

You in clondalkin Robbie?

sentient_6

Re britton, they're only a broker, they're mentioned on here all the time as if they are an insurance company in there own right, from what i understand there online quote system returns quotes from axa, aviva etc only, when people mention having got cheap quotes its from asgard(Lloyds), which i think can only be got by ringing them.

af_thefragile

dahamsta wrote: »

I think you're missing the point. ALL insurance is now 2% cheaper because of Quinn. If you didn't miss the point, then yes, it does matter. I don't want to insure with those asshats.

You all realise that cheap is not the same as good, right? You all realise that if it's cheap as chips, it's not because they're dying to compete in Ireland because they love us so much, but because they'll try every trick in the book to get out of paying you if you are unfortunate enough to crash?

Now why does that sound familiar? Hmmmm......

But paying 400eur more to go with another insurer just in-case Quinn decides to screw you over when you need them takes a bit of a commitment. There's just as much of a chance that the other insurer might screw you over as well.
All insurance companies are the same. They just want to make money and will do whatever it takes to try and not pay you if you crash.

Although my insurance is third party so I won't be expecting them to fix my car anyway.

Atlantic Dawn

It should have been let fold, it's looking like costing over €500,000 per employee to stay afloat.

The Irish Independent has learned that the insurer's administrators recently admitted they expect to need €775m from the Insurance Compensation Fund (ICF) to deal with Quinn Insurance's claims.

http://www.independent.ie/business/personal-finance/latest-news/insurance-levy-to-be-extended-as-quinn-debt-hits-775m-3012739.html

With over 1,500 employees across Ireland

http://www.libertyinsurance.ie/company/about_us.html

robbie_998

RoverJames wrote: »

You in clondalkin Robbie?

Yes.

this happened today

maidhc

dahamsta wrote: »

I think you're missing the point. ALL insurance is now 2% cheaper because of Quinn. If you didn't miss the point, then yes, it does matter. I don't want to insure with those asshats.

You all realise that cheap is not the same as good, right? You all realise that if it's cheap as chips, it's not because they're dying to compete in Ireland because they love us so much, but because they'll try every trick in the book to get out of paying you if you are unfortunate enough to crash?

Now why does that sound familiar? Hmmmm......

Liberty (thus far) don't have that reputation in this state.

Quinn also are no better or worse for paying out. They are known for trying some unsavoury methods of getting the uninitated to settle claims though.

charlemont

7 years no claims with Quinn so my renewal from Liberty be good.


I corresponded to them via E Mail earlier during the week about a separate matter and I used my full address as I always have done in all E Mail but strangely I got a reply stating they were updating my details, I'm at the same address since I started driving so why now have they a problem ?

Basically they changed my address from county to city, Fair enough I live in the city but for some reason they had me down as county Cork probably since I first joined them my neighbourhood may be classed as County Cork on the drop down lists of neighbourhood on the online application, Now I reckon this is so they can charge me a higher renewal.

puppetmaster

af_thefragile wrote: »

Thats my point.

I really don't care what they're doing as long as they continue to give me the cheapest quote.

Also Quinn seems to be one of the few insurers who will insure exotic cars like Porsche and Lotus and all...

I had no problem getting a quote off axa on an elise, thats of course as close as i got to buying it

af_thefragile

puppetmaster wrote: »

I had no problem getting a quote off axa on an elise, thats of course as close as i got to buying it

Aviva and i think also AA don't seem to have Porsche and Lotus in their car manufacture list. Don't know if they'll insure you if you ring and talk to them though.

MugMugs

Atlantic Dawn wrote: »

They are Quinn Direct, the same Quinn Direct that you now have to pay an extra 2% on all your insurance premiums to sweeten the sale to Liberty :mad:.

Was that 2% not there anyway from when PMPA collapsed? Or when AIB made their cock up in the 80's ?

BX 19 wrote: »

Bit early to say whether anything has changed, its less then a month since they took over

November actually.

Cookie_Monster wrote: »

There's only 1 reason tehy are here; cos they know they can make heaps and heaps of money in a market with very limited competition. Won't tell you that in their silly accent though...

Isn't that why anybody starts a business ?

robbie_998 wrote: »

See i always hear bad of quinn-direct.

they are cheap - great..... but when things go bad they stay bad ?

you always hear someone say they dont pay out on claims etc.

and i've always tried to avoid them.


but is it possible that this could be different ? that quinn might not have a say in this and its under new management ?

One would assume that they spent a lot of money to join a market and not continue on the rocky road which led to their acquirment of Quinn...

RoverJames wrote: »

... every motor policy in the country has the 2 per cent on it.

Exactly

bijapos

robbie_998 wrote: »

Yes.

this happened today

LOL! Bring back the obnoxious parking thread !! :pac:

TestTransmission

bijapos wrote: »

LOL! Bring back the obnoxious parking thread !! :pac:

Not a hope

djimi

Alanstrainor wrote: »

Liberty/quinn quote me over 1000 less for insurance compared to britton, I hear people recommending them a lot, but i've never gotten a good quote.

I have always experienced a mixed bag with Britton. For the most part the quote Ive gotten from them has been far higher than the price I eventually paid elsewhere, but I have gotten some good quotes from them also. One thing I will say about them is that they will usually come back with some quote on cars like my Integra where others will flat our refuse to quote.

cjt156

robbie_998 wrote: »

Yes.

this happened today

Whoever got the Focus into that position had some set of stones....






...I'll get me coat....

Fiona

Just did a quote there for the E30 and it was a bit more expensive than what I have now with Axa plus they only go to cars as early as 1992. No use to me.

Jemmy

Won't quote me online!

biko

I just checked Britton, they quoted me €844.25
Liberty €554.67
I pay €310 with Axa

monkeypants

Atlantic Dawn wrote: »

They are Quinn Direct, the same Quinn Direct that you now have to pay an extra 2% on all your insurance premiums to sweeten the sale to Liberty :mad:.

Aye, I hope that they're enjoying my money, even though I'm not one of their customers.

Insurance - the only industry that tries its very best to give you F.A. in return for your money.

Tea 1000

dahamsta wrote: »

I think you're missing the point. ALL insurance is now 2% cheaper because of Quinn. If you didn't miss the point, then yes, it does matter. I don't want to insure with those asshats.

You all realise that cheap is not the same as good, right? You all realise that if it's cheap as chips, it's not because they're dying to compete in Ireland because they love us so much, but because they'll try every trick in the book to get out of paying you if you are unfortunate enough to crash?

Now why does that sound familiar? Hmmmm......

The only cases that I've heard from relatives who struggled to get insurance companies to pay out in a claim is where the companies involved were of the "Reputable" ones.
All insurance companies are crap. They all want you're money and fight the good fight when it comes time to pay up.

IrishZeus

€700 more expensive than no-nonsense for me! Jaysus!

Quote with liberty: €618. currently paying €306 with 123.ie

vetstu

Libertys renewal quotes must be pulled out of thin air, got renewal for €858, put my details in on their website for new business and got quote for €730, which itself was €50 dearer than they charged me last year.
It then took them 30mins on the phone to match their own quote but ended up getting it another €100 cheaper with FBD anyway.
Rang them to say I wasn't renewing and they said they would ring me back in an hour or so and see what they could do with the quote. That was yesterday morning.
So it's Bye Bye Liberty

tatli_lokma

af_thefragile wrote: »

Also Quinn seems to be one of the few insurers who will insure exotic cars like Porsche and Lotus and all...

if this is true, I can't understand why last year they told me they wouldn't even quote me on my car because it was classed as a 'high performance sports car' - it was a 01 Megane coupe, 1.6L engine! :rolleyes:

Our man in Havana

That 2% is to cover uninsured drivers.

oldyouth

Our man in Havana wrote: »

That 2% is to cover uninsured drivers.

The Government levy does not fund the MIB. The tax was 3% up to December 2011. An additional 2% was added from 1st January to cover the shortfall in claims reserves at Quinn Insurance. Liberty insisted that this shortfall be met by the Irish taxpayer before they agreed to take over the company. Shrewd business by Liberty who were the only ones who had the cash to barter

MugMugs

oldyouth wrote: »

Our man in Havana wrote: »

That 2% is to cover uninsured drivers.

The Government levy does not fund the MIB. The tax was 3% up to December 2011. An additional 2% was added from 1st January to cover the shortfall in claims reserves at Quinn Insurance. Liberty insisted that this shortfall be met by the Irish taxpayer before they agreed to take over the company. Shrewd business by Liberty who were the only ones who had the cash to barter

Eh, the 2% is for Quinn Insurance and their exposure to the UK market. Liberty did not take over the UK arm which still trades as QUINN insurance under administration. It is run by Liberty on behalf of Grant Thornton

oldyouth

MugMugs wrote: »

Eh, the 2% is for Quinn Insurance and their exposure to the UK market. Liberty did not take over the UK arm which still trades as QUINN insurance under administration. It is run by Liberty on behalf of Grant Thornton

Is that not what I said?

MugMugs

oldyouth wrote: »

MugMugs wrote: »

Eh, the 2% is for Quinn Insurance and their exposure to the UK market. Liberty did not take over the UK arm which still trades as QUINN insurance under administration. It is run by Liberty on behalf of Grant Thornton

Is that not what I said?

No. Liberty did not "take over" the UK arm of OIL which still trades independently.

oldyouth

The Irish Government added 2% to the levy paid by Irish policyholders as part of the deal that saw Liberty take over Quinn Insurance

MugMugs

oldyouth wrote: »

The Irish Government added 2% to the levy paid by Irish policyholders as part of the deal that saw Liberty take over Quinn Insurance

Ummmm, they applied the 2% for the ICF fund which has been called on by QUINN Insurance under administration. Liberty and the IBRC who own 49% had no call with regards to the 2% as you earlier implied.

Your previous statement was factually incorrect and somewhat misleading.

oldyouth

MugMugs wrote: »

Ummmm, they applied the 2% for the ICF fund which has been called on by QUINN Insurance under administration. Liberty and the IBRC who own 49% had no call with regards to the 2% as you earlier implied.

Your previous statement was factually incorrect and somewhat misleading.

I never mentioned IBRC, where did you get that from?

MugMugs

oldyouth wrote: »

MugMugs wrote: »

Ummmm, they applied the 2% for the ICF fund which has been called on by QUINN Insurance under administration. Liberty and the IBRC who own 49% had no call with regards to the 2% as you earlier implied.

Your previous statement was factually incorrect and somewhat misleading.

I never mentioned IBRC, where did you get that from?

I know you didn't. Irrespective, they own 49% of Liberty Insurance. Liberty Mutual own 51%....

bgrizzley

Goodbye Liberty Insurance, they have quoted me almost double any other company i've priced so far despite being with Quinn for 5 years.
Checked them online (same details except my real name and the quote almost halved) , it seems theres a premium for being an existing Quinn customer.

CoDy1

AFAIK the increase in the insurance levy from 3% to 5% on all personal lines products was to cover the losses Quinn had made in Ireland which was a pre-requisite to the sale of the Company to Liberty.


http://www.independent.ie/business/irish/insurance-levy-to-pay-for-620m-quinn-loss-2629163.html