Quinn Direct Online quotes

AB03

Just trying out a few quotes with Quinn online quoting thingy and Im getting some excellent prices.

Im a 20 year old male with a first provisional and no experience (well, I currently working towards my first year NCB but I aint got it yet).

94 Golf 1.4 CL - €3,108

94 Civic 1.3 H/B - €3,667

94 Civic 1.5 LSi Saloon (The car Im currently driving and insured with Quinn for at €3,750 or somthing) - € 3,457

They're feckin excellent.

Does anyone know what'd happen if I rang Quinn and told em about the cheaper quote for my car that I got?
Would they put me straight onto that price? Or even refund me somthing??

The General

when you fill in your details tell them you are 'married' its cheaper

AB03

€3,125 on a 316i SE 1994

Dades

The General wrote:

when you fill in your details tell them you are 'married' its cheaper

Don't get married though. There's nothing cheap about that.

DukeDredd

What if you were not married and you had an accident (and you told them getting the policy you were). Could they screw you?

seamus

Just goes to show what a shafting we've come to accept. 3 quotes, all over €3,000 and they're being called "excellent".

jhegarty

DukeDredd wrote:

What if you were not married and you had an accident (and you told them getting the policy you were). Could they screw you?

yep

De Hipster

seamus wrote:

Just goes to show what a shafting we've come to accept. 3 quotes, all over €3,000 and they're being called "excellent".

It's an absolute scandal when you nearly have to give them the value of the vehicle as cover!

Dades

De Hipster wrote:

It's an absolute scandal when you nearly have to give them the value of the vehicle as cover!

Ahh but it's not the value of the Bentley you run into!

zAbbo

DukeDredd wrote:

What if you were not married and you had an accident (and you told them getting the policy you were). Could they screw you?

Non Disclosure matey. I got some nice quotes from www.bestquote.ie recently

bonzai bob

holy ****, i got quoted 1700 on a 1.2, 1yrs NCB on a Prov licence! That's pretty damn good!

De Hipster

My first quote on a provisional in a '94 1.3i cooper was €1300, I thought that was a scandal!

€3000 for insurance is ridiculous.

The Atheist wrote:

Ahh but it's not the value of the Bentley you run into!

Nor is the €550 I pay now!

AB03

Dont get me wrong lads, its all still robbery,but it has to be paid (at least until I get the full licence and some NCB).


Can anyone answer my question above?
Dont wanna ring down south from up here unless its gonna be worth it.

Drummer

They are scandalous prices lads.

Why should a lad of say 25 with no prev experience and a man of 50 with the same record pay such different prices ?

Similar with male to female ?

They are both starting on the same level.

The trouble is, we are condition here to assume that prices under 5000euro are cheap, cos they are have been so high for years.

I recently got a TPO quote for my 400cc motorbike and was quoted 1900euro in Dublin. Then under the same conditions, i was quoted 135euro in Amsterdam. There is something seriously wrong there. Boycott insurance companies, thats what i say.

By the way, i used to work as an insurance broker -- when they ask your occupation, tell them you are clerical staff, i.e. office worker. Do not waiver from this, dont even say that you use your car for meetings or anything. You drive to work and drive home, end of story.

If you can use a country address, do so. If you are involved in an accident in Dublin, simply say you were visiting family ! It worked for me.

Seth Brundle

AB03 wrote:

<snip>
94 Golf 1.4 CL - €3,108

94 Civic 1.3 H/B - €3,667

94 Civic 1.5 LSi Saloon (The car Im currently driving and insured with Quinn for at €3,750 or somthing) - € 3,457

They're feckin excellent.
</snip>

Cop on!
They are not excellent. They are extortionate prices and as long as muppets convince themselves that they need a car and are willing to pay for quotes like this then it will continue [if not increase]!

DukeDredd wrote:

Could they screw you?

In my own experience Quinn don't need an excuse to screw you!

AB03

They are not excellent. They are extortionate prices and as long as muppets convince themselves that they need a car and are willing to pay for quotes like this then it will continue [if not increase]!

Are you calling me a muppet?

AB03

We 'muppets' pay these extortionate prices because we dont want to break the law, but SOME OF US DO NEED A F**KING CAR.

AB03

Come to think of it, the ****in cheek of you. How dare you call me a muppet when the whole reason this thread even exists for you to reply to is because Im trying to inform other unfortunate people like me WHO ARE FORCED to pay ridiculous insurance premiums that there seems to be a new cheapest player out there.
Before this Ive been getting quotes of in or around 4-4.5 and so have a lot of young people like me. This saving of a grand or more is welcome, but prices are still no better than robbery.
Im trying to help fellow 'muppets' here, so leave your ****in opinions at home please.

Seth Brundle

hmmm - I seem to have accidentally hit a nerve!
Anyway, you think that you 'need' a car - why? Does paying the best part of 10 grand a year to keep this going justify itself?

AB03

As was nicely illustrated in the thread on provisional drivers, nobody 'needs' a car, we could all just as easily bus and walk everywhere,but as far as Im concerned, the costs involved do outweigh the negative aspects.Ive just moved to a completely remote part of west dublin and every single person I know and associate with lives around D1/D2 and D4. Luckily for me I just got a new job which is a 3 minute drive/20 minute walk from my apartment, but when I bought the car, it was also nescessary for work.
Where I live now, a car is nescessary for going to the shop, such is the distance of the apartment complex from anywhere inhabited.
So short answer, yeah its not only worth the money, its nescessary (but I dont know where yer getting yer 10 grand a year from, ive worked it out at approx. €6k/year with current insurance,petrol,tax and whatever else).

Kristok

kbannon wrote:

Cop on!
They are not excellent. They are extortionate prices and as long as muppets convince themselves that they need a car and are willing to pay for quotes like this then it will continue [if not increase]

Whats your problem with the guy getting a car, if he has the money and wants a car then he cant exactly tell them im not paying you that its too much. The muppet comment is uncalled for.

Saruman

quinn gave me the best quote this time round!! 1.6 primera, im 25 years old. I have 7 years NCB Full licence of course (first time ).
Anyway Axa wanted best part of a grand off me, €950 or so, €1100 with all the extra crap!!! Quinn gave me (without extra crap) €712!!!!

When i called Axa to get my NCB proof sent to me he tried to get me to stay with them... said how does €900 sound? this is AFTER i told him im getting for €712 with Quinn.. what a muppet

Moral is shop around. I was always with Axa then hibernian gave me a quote €600 cheaper a few years back, then the next year Axa were €270 cheaper and this year Quinn is €240 or so cheaper

Seth Brundle

Kristok wrote:

Whats your problem with the guy getting a car, if he has the money and wants a car then he cant exactly tell them im not paying you that its too much. The muppet comment is uncalled for.

I have no problem with him getting a car. However, I stand by my comment that someone who thinks paying 3 1/2 grand on insurance (and then claims that it is "feckin excellent") is a muppet. By paying that you are voluntarily removing your trousers and y-fronts, leaning over a barrell, and asking the companies to do their best!
Now, as AB03 mentioned, it may be a necessity for work, in which case the policy will rise even higher but your work should pay a considerable amount towards the policy!

Kristok

yea 3 and a half grand is allot for insurance but what can he do, if its the cheapest quote he can get (and i paid 5000 in my first year) then it is great. If he had a choice id agree with ya but whats he to do, he needs it for whatever reason but unless its a company car your job wont help ya out.

If you where told your insurance is gone up would you tell them fine im not going to drive ?!? I know i wouldnt id have to pay it my car has made my quality of living a whole lot better and unless i couldnt afford it i simply just have to pay whatever they demand.

AB03

Thank you Kristok, you said it all.

bonzai bob

I agree with Kbannon in saying that even though we think these are great prices, they are still daylight robbery, however calling him a muppet is a bit OTT, after getting my quote of 1700 on quinn, i went to a couple of sites who proceeded to quote me 4000, which is more than i paid for my first year:rolleyes:

Seth Brundle

Kristok wrote:

If he had a choice id agree with ya but whats he to do, he needs it for whatever reason but unless its a company car your job wont help ya out.

by that logic then the OP should claim mileage back from their taxes if the employer won't help (doesn't say much for the job if the employer wants the employee to use their car but won't assist in its running).
Either way though the work use needs to be declared to the insurance company

Kristok wrote:

If you where told your insurance is gone up would you tell them fine im not going to drive ?!? I know i wouldnt id have to pay it my car has made my quality of living a whole lot better and unless i couldnt afford it i simply just have to pay whatever they demand.

Im not sure what the first sentence is trying to say but you made the choice to get a car and insure it. You do have other options (despite what others may say) - you could get lifts, taxis, cycle, walk, bus, train, fly or whatever.

Im not happy paying what I currently pay but I make the choice to pay it. I should be paying about 1/3 or 1/2 of what Im paying now but because I'm a lazy bastárd, like my car, dislike public transport, etc. I pay it. However, i don't go onto a public forum all excited and think that the thought of paying 4 times what I currently pay is fecking great!

Also, I did not refer to one individual in particular as a muppet - read my post carefully!
I am reminded of a strike for an increase in wages in Aer Rianta a few years ago where some young fella was interviewed by RTE. Within the interview he claimed that he was only earning £5000 per annum. However this muppet also said how he had no money because he had to spend something like £4000 on his insurance! He, too, believed he needed his car!

bonzai bob

Well personally i DO need my car to get to work, i live on southside and work on the north side and i leave before the buses start..

I would cycle but that would literally kill me at my current fitness, and taxis would work out a lot dearer than insurance in the long run.

However i am considering getting a job closer to home and cycling to work as i don't like paying this kind of money any more than you do.. but there are some who don't have a choice.

sprinkles

I did my test in the north and am subsequently buying an insuring a car up there (cheaper and all).

Anyway got a quote on a 1.4s Golf, brand new from the AA, norwich Union and a few others. All where over 3500 sterling. That quickly put an end to my ideas about the golf. So I checked how much the insurance would be on my 5 year old corsa. Remembering I have a full license now and have been insured for over a year as a named driver they quoted me the same fugure as the golf.

Anyway I got home, not feeling too happy about it all and went on the good old reliable internet. Quinn direct quoted me on the golf 1500 sterling. 2000 cheaper. They where the only ones to take into account my driving experience as a named driver. Personally the 1500 is still steep (remember its sterling) but compared to a small morgage the other where looking for its very acceptable.

Anyway Quinn get my vote.

Drummer

The only way you could possibly need a car is if you work far from home. Other than that, most residences have local conveniences such as shops, schools and churches. Where they don't there is public transport, unreliable as it may be. If you work so far from that you need a car to get there, then the job must be paying you a fantatic amount of money to be there. Most people who work far from home could get the exact same job 10 minutes away if they wanted.

Our man in Havana

They have no legal right to ask or to base a premium on marital status. That would be discrimination based on status whic can hand them in very hot water with the equality authourity.

Ivan E

It should be noted that although some insurance companies do drastically undercut others sometimes they give you a service to match what you pay for. I've heard a lot of bad complaints about Quinn when it comes to claims. Whereas Axa seem to be very quick and efficient. So that might be worth thinking about. The extra €100 or so might be something worth paying.

Our man in Havana

I've heard a lot of bad complaints about Quinn when it comes to claims.

Like the way they will always payout without defending a claim. Even where you are in the right?

beezkneez

Calling that dude a muppet is well OTT. The word 'excellent' is relative. There is no denying that for a young fella to be insured in ireland the prices are crazy but when he got quoted about a grand less then he normally does, that IS excellent for him.
So what how much money he spends on his car every year, you have no right to critisize him for whatever amount he spends, he can obvioulsy afford it so can he not spend his money on whatever he wants, whether he needs it or not is hardly important.

AB03

Damn straight beezkneez. I still cant get over the neck of you kbannon, and being honest, had this discussion started in a pub with both of us face to face, you either wouldnt have called me a muppet or you would have got a box for being an ignorant idiot. 3000 odd IS excellent in relative comparison to the quotes Ive been getting and in relative comparison to what Im paying, so yes, for me, it is excellent.
I dont care what u pay, becuase obviously your situation is different, be it you have a full licence, youre older, your car has a smaller engine etc...
Fact is, for people in my situation or similar, these quotes are good/excellent, so stfu about wether or not we should be paying em. If we want a car (for WHATEVER reason) and we dont want to break the law, we have to pay em. Enough said.

LFCFan

Drummer wrote:

Most people who work far from home could get the exact same job 10 minutes away if they wanted.

Christ, what planet are you living on

Kbannon - You're an idiot. Get down off your 'Nobody NEEDS a car' high horse. You spout this same rubbish all the time. There are a lot of people who need a car. Unless you hadn't noticed, Ireland's Public Transport system sucks, Taxi Fares are scandelous, a lot of places, even in Dublin are too far away from shops to walk and there are many other instances where people would need a car. I visit my parents and Finacè's parents a lot. Public Transport is not an option so I need a car. This is just one example.

Seth Brundle

LFCFan wrote:

Christ, what planet are you living on

Kbannon - You're an idiot. Get down off your 'Nobody NEEDS a car' high horse. You spout this same rubbish all the time. There are a lot of people who need a car. Unless you hadn't noticed, Ireland's Public Transport system sucks, Taxi Fares are scandelous, a lot of places, even in Dublin are too far away from shops to walk and there are many other instances where people would need a car. I visit my parents and Finacè's parents a lot. Public Transport is not an option so I need a car. This is just one example.

Hold on - I did not get personal with any one partucular person so don't start clalling me an idiot. I criticised a group who think they need a car and who think they get relatively good value for money when it comes to insurance.
The public transport system here is not great compared to many other countries but by and large it is actually quite good. I like many others, however, hate using it and choose to drive.
As for taxis, I remember a report a few years ago where it showed that it can be cheaper to use taxis within the greater Dublin area compared to owning the average car.
There are also many families out there who don't have a car [either by choice or by circumstances]. They still manage to get their weekly shopping done, they get to work on time, they get their kids to school, they make use of the resources out there.
Where exactly in Dublin is too far away from the shops as I can't actually think of anywhere.
You are confusing the fact that you choose to have a car with the fact that you need one. If you were put off the road for whatever reason, what would you do? Would you never see your family again? Would you starve because you can't get a sliced pan locally? Would you lose your job because you haven't a set of wheels?

Kristok

Drummer wrote:

Most people who work far from home could get the exact same job 10 minutes away if they wanted

Must be great to be you but the rest of us work wherever we have to and have no choice if its the other side of the city we go there thats the simple fact.

kbannon wrote:

by that logic then the OP should claim mileage back from their taxes if the employer won't help (doesn't say much for the job if the employer wants the employee to use their car but won't assist in its running).
Either way though the work use needs to be declared to the insurance company

No that would be by your logic. most people who have a car need it to travel to work and no job is going to pay a thing for you to travel to work.

kbannon wrote:

The public transport system here is not great compared to many other countries but by and large it is actually quite good. I like many others, however, hate using it and choose to drive.
As for taxis, I remember a report a few years ago where it showed that it can be cheaper to use taxis within the greater Dublin area compared to owning the average car.

The public transport system in dublin is good if your going somewhere like town and live in a well populated area where buses are regular but other than that you could be waiting an hour for a bus if you dont live in a well well serviced area. When i worked in my last job the only bus that went close to it only came every hour+ and took more than an hour to get there. And i had a 15 min walk to get to the bus stop and to get to work from the bus stop. Total travelling time was 2 hours each way. A taxi to and from work would cost me €30 each day which is the only other way I could get there which would work out at nearly €7000 per year which is not worth it at all. In my car it took depending on traffic about 20 min. Now dont know what world you live in but a 3 hour saving on travelling is totally essential and allot of people are in that situation espically with all these housing estates being build in the middle of nowhere. Its all about your quality of living, if you want ot spend your whole week working and traveling to work then sure we could all get public transport but if you actually want to havea life during the week outside work then there is no choice you need a car.

kbannon wrote:

Also, I did not refer to one individual in particular as a muppet - read my post carefully!

I did read it and you said "long as muppets convince themselves" after quoting his insurance quotes that he posted, you indirectly called him a muppet but none the less called him one.

I agree totally 3 and a half grand is a disgrace but again what can ya do it has to be paid and if its the lowest quote you can get then its bloody great.

SouperComputer

@ ABO3

did your try hibernian. IIRC they have a provisional ignition course now. Might be worth a look

cormie

I haven't read all posts but I just want to suggest going with Tesco, I'm 20, 1 yr NCB, €1,430. Still robbery, but I wont get cheaper. As far as i know :rolleyes: I was quoted €2,200 by Quinn and around the same with Hibernian. When I told Quinn they said they don't try and compete so I said ok, thanks anyway and that was the last I've heard from them.

Why not just get a 1l car?

Do the Provisional Ignition test too and you will be able to get it with Tesco once you've done it:)

Seth Brundle

Kristok wrote:

Must be great to be you but the rest of us work wherever we have to and have no choice if its the other side of the city we go there thats the simple fact.

No that would be by your logic. most people who have a car need it to travel to work and no job is going to pay a thing for you to travel to work.

I think if you ask many in the commuting /transport forum you may get different opinions.
For a while I lived in Clontarf and worked between Swords and Ashbourne. I have three choices:-
* get 2 busses and a 45 minute walk to work afterwards
* cycle
* change job
At this time I was unable to afford a car, never ,mind throw 3 1/2k towards insurance.
I spent most of my time there using busses/walking but sometimes cycled. I left home at 6:30am to be in work for 9. However, I eventually left as I got a job I had been looking for.
I made these choices though - I probably could have left that job and gone somewhere which paid a lot more and was more convienent but I chose to stay because I liked the job [and many times these days am tempted to throw in what Im currently doing and go back to it!

Kristok wrote:

I did read it and you said "long as muppets convince themselves" after quoting his insurance quotes that he posted, you indirectly called him a muppet but none the less called him one.

whatever!
My quote was taken in the context that he referred to the quotes and then said that the cheapest(!) one there was "feckin excellent".

Kristok wrote:

I agree totally 3 and a half grand is a disgrace but again what can ya do it has to be paid and if its the lowest quote you can get then its bloody great.

you could not drive and use other means as suggested. It doesn't have to be paid. You could struggle for a few years using other means [or in the more extreme case, get a job in a more convienent location] and then when you are older insurance will be more affordable.

nxbyveromdwjpg

AB - have you compared an them with an identicle car/details with Tesco?

I've a full licence and 1 years NCB but when I was looking Tesco beat QD by a couple of hundred quid or so everytime.
http://www.tesco.ie/finance/carinsurance/index1.html

Only thing is they wont cover over 1.6 :mad:

AB03

Souper :

I did and those quotes from Quinn are still far cheaper,even if I did the course. Hib wont quote me on the 1.5 as the conditions of the prov. ignition are 1.4 and less. Quinn will quote me (very reasonably) on anything up to a 1.6 non turbo.
Thanks anyway tho.

With regard to where I live etc.
I live in a new apartment complex behind cherry orchard. The only bus that is less than a half hour walk away is the 79 (still a 10-15 walk), which services cherry orchard. In fairness, that bus is grand and reliable in the mornings, but even when I was bussing it on the 79,I had to get that bus for 20 mins, then walk for 20 then get a luas for 15, then walk for a further 10 (just to get to the belgard road, approx 2-3 miles away and its non walkable cos of ind. estates). In the evenings, luckily enough, I knew a bus driver who works the private bus service to/from park west and he dropped me off near my place every evening, but if I missed him, a taxi was the only way home (happened a few times). That bus ran/runs twice a day (morning and evening). The morning private bus was so unreliable that when I used it soon after I moved in, I very nearly got fired for being late 90% of the time.
With the car, the journey took in or around 15 mins.
Add to the fact that if I wanted to go to town to shop or whatever after work, it involved either getting the 79 or another bus to ballyfermot (78A or similar) and walking for about half an hour. Believe it or not, the second option was by far the best/safest due to the amount of scum on the 79 from about 10.30 in the morning onwards + being my age, walking thru the heart of cherry orchard at night when u know nobody around there, is not a nice stroll home, believe me.

And in so far as work paying for me, why would they?
All I was using the car for was getting to and from work, not using it for work related stuff, so really, its none of their concern how I get there, so long as I do.

Oh yeah, another thing the car has done for me is return my social life.All my mates live on the other side of the city (south inner) and as explained earlier, the only option for me to get home after office hours was one of two buses, one dodgy as fook and the other involved a fairly dodgy half hour walk.

Does that satisfy your need to know why I have the car?

AB03

Jesus theres a speil and a half. Never noticed it was that long

AB03

Oh yeah, and NM, those tesco quotes require either a full licence or 3 years provisional experience.
Cheers tho

Seth Brundle

OK - fair enough - I see your point but as I said, you are making the choice to drive. You could avoid the costs involved if you really wanted/had to. The car is not a necessity but a 'luxury'.

cormie

AB03 wrote:

Oh yeah, and NM, those tesco quotes require either a full licence or 3 years provisional experience.
Cheers tho

I've had my provisional since Dec 03. Once you pass the ignition it's ok and you can go with Tesco. I'm currently with Tesco with my year and a half old provisional license:)

Ivan E

To be fair AB03, I used to work in Parkwest and subsequently am about to go back there in just over a week too but a group of us used to get the 79 in and out from the city where we lived at the time. We did try the Arrow but a month strike and irregular times did not help.

We were all doing stints abroad with the company but out of 5 of us, 1 had a car. Grand when he was in the country apparently (I wasn't there when he was) but public transport when he wasn't. With in about 6 months, the 4 others including myself had got cars. It did mean moving out of the city for all of us but that 79 was never a nice experience.

Gurgle

Drummer wrote:

If you work so far from that you need a car to get there, then the job must be paying you a fantatic amount of money to be there. Most people who work far from home could get the exact same job 10 minutes away if they wanted.

Typical ignorant feckin Jackeen.
Have you ever been anywhere outside Dublin ? (Not counting your annual piss-trip to Ibiza)

There is no local public transport in most of this country.

To have any quality of life at all, we need to have cars. We are obliged by law to insure them. This enables the insurance companies to profiteer off our needs. Healthy political donations out of their enormous profits keep it this way.

xzanti

Quinn Direct are definately the cheapest but I'v personally heard a few horror stories about them... I know 2 people who had accidents while with Quinn and they paid out to the other party without hours of the accident without hearing both sides of the story.. Im insured with them myself simply because I cant afford anything else so it was either Quinn Direct or no car... just have to be extremely careful

Gurgle

cormie wrote:

I haven't read all posts but I just want to suggest going with Tesco, I'm 20, 1 yr NCB, €1,430.

Thats really pretty good, when I got my first car insurance, 6 years ago at 23 I was paying IR£840. 6 years of inflation accounts for the difference.

cormie wrote:

Why not just get a 1l car?

Because on the donkey tracks that account for 99% of the country 'roads' on the map, a small light 1L car will be rattled to bits in the space of a few months.

That is a very good question for the city-dwellers though, why the hell do so many people go out & buy some big horse of a thing to sit in traffic for three hours a day, covering a distance of 7 miles in total, then whine about their €5,000 insurance bill ?