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Absolutely Fleeced by Quinn Direct - I feel like either hitting something or crying.

  • 20-01-2010 3:17pm
    #1
    [Deleted User]
    Posts: 17,378 ✭✭✭✭


    I'm sure it's been done before but I'm ready to punch a wall if I don't vent this out..

    Ended policy at end of December having given them 1900euro for 1705 euros worth of policy. 2450euro total policy for year.
    Another 195euro comes out at start of January after policy ended bringing it up to 2100euro.

    I was expecting a good chunk of this back but because of small print, I now owe them 143euro more..

    I'm paying 2240euro for 1700euro worth of policy :mad::mad:


«1

Comments

  • #2
    niceirishfella
    Closed Accounts Posts: 5,538 ✭✭✭niceirishfella


    So move insurers....


  • #3
    [Deleted User]
    Posts: 17,378 ✭✭✭✭ [Deleted User]


    niceirishfella wrote: »
    So move insurers....

    What? :confused:


  • #4
    hblock21
    Registered Users, Registered Users 2 Posts: 738 ✭✭✭hblock21


    niceirishfella wrote: »
    So move insurers....

    I think thats where lies the problem!


  • #5
    [Deleted User]
    Posts: 17,378 ✭✭✭✭ [Deleted User]


    Thank you hblock for being smarter than a 5 year old.
    What niceirishfella said was so stupid, it had to be trolling    .


  • #6
    spadder
    Closed Accounts Posts: 985 ✭✭✭spadder


    You haven't expainled this well.

    Why are you paying them more than the policy?


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  • #7
    cadaliac
    Registered Users, Registered Users 2 Posts: 2,903 ✭✭✭cadaliac


    sorry, but why is the policy worth "x" and you are paying "y"?
    Please excuse my ignorance but I fail to see why you are paying so much. Are you paying in installments?


  • #8
    Anan1
    Registered Users, Registered Users 2 Posts: 22,815 ✭✭✭✭Anan1


    Deleted User wrote: »
    Thank you hblock for being smarter than a 5 year old.
    What niceirishfella said was so stupid, it had to be trolling.
    Easy on the personal insults. As spadder says, you haven't explained this well. Give us a proper picture and we'll give you proper advice.:)


  • #9
    Atomic Pineapple
    Registered Users, Registered Users 2 Posts: 18,272 ✭✭✭✭Atomic Pineapple


    I presume your paying by direct debit monthly?

    That would go some way to explaining what you mean in you opening post


  • #10
    [Deleted User]
    Posts: 17,378 ✭✭✭✭ [Deleted User]


    Anan1 wrote: »
    Easy on the personal insults. As spadder says, you haven't explained this well. Give us a proper picture and we'll give you proper advice.:)
    Ok well sorry for the insults but I've never felt this robbed.. Quite pissed off at everything.

    A better explanation..

    I paid over 500euro deposit for insurance and a monthly payment of 195euro after that. That's how I've overpaid..
    I cancel insurance at end of December and garage car.
    Then another 195euro comes out of my account after this at start of January. I figure I'm going to be owed this back.

    Quinn have a policy of only giving 10% back if you cancel in the 9th month, which I didn't realise.. And should have been told over the phone imo!
    So now I owe them 90% of the policy having only used 70% of it. 255/365.

    I now owe the difference of 143euro having already paid 195euro at the start of January so it's all dead money.. It feels so rotten paying a big deposit up front and also paying 338euro afterwards. :(


  • #11
    voxpop
    Registered Users, Registered Users 2 Posts: 2,800 ✭✭✭voxpop


    Plus they charge an arm and a leg on interest if you pay in instalments.
    Tbh I always thought that insurance was a yearly contract.


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  • #12
    CountingCrows
    Registered Users, Registered Users 2 Posts: 1,831 ✭✭✭CountingCrows


    Still a bit lost...
    Why did you cancel insurance at end of December and garage car. Why not finish out the policy?


  • #13
    Anan1
    Registered Users, Registered Users 2 Posts: 22,815 ✭✭✭✭Anan1


    I understand how you feel, especially given how high your premium was. Did you tell Quinn when you were taking out the policy that you might be cancelling early? Also (and i'm not trying to make you feel worse here!) will they now give you that year's NCB?


  • #14
    robtri
    Registered Users, Registered Users 2 Posts: 5,473 ✭✭✭robtri


    not to seem to be supporting quinn....

    but when you took out the policy, they gave you all the details about the policy, the terms and conditions and you agreed to these...
    now if you didn't read the terms and conditions and then decide to vary from your agreed policy, i.e cancel it, then you are liable for all the conditions imposed by the policy as set out by quinn to which you agreed to....

    in short they offered you a policy, with all these stipulations on it, you accepted, more than likely didn't read all the terms about the policy and now want to give out about it....

    so really IMHO... this is more your fault than theirs....


  • #15
    NOGMaxpower
    Registered Users, Registered Users 2 Posts: 1,022 ✭✭✭NOGMaxpower


    Quinn are robbing sonsabitches

    the reason they are cheap initially is the "fine print"
    I was shafted by them for over 4k after an accident went court. All the wahilie my premium went through the roof for 2 years while the courts settled it.

    Hibernian are by far the best to deal with althougha bit mroe expensive but you get what you pay for.

    If i had my way i'd burn their offices to the ground lol

    But im ginger and have a temper that matches.


  • #16
    CountingCrows
    Registered Users, Registered Users 2 Posts: 1,831 ✭✭✭CountingCrows


    Deleted User wrote: »
    Ended policy at end of December

    Looking at this, can't see why you'd want to cancel your insurance!


  • #17
    Speedway
    Registered Users, Registered Users 2 Posts: 565 ✭✭✭Speedway


    I have an insurance policy with quinn. when i took it out i decided to spread the cost of the insurance over the year so i chose the installments.

    Before you decide to go for this option it lists what your first payment and your monthly payments are. So it tells you what the cost will be and you choose to accept or decline it. I understand that you're frustrated with the cancellation etc but if they outline the costs before you accept the policy then how can you complain about it?

    I do sympathize with you but if they outline the policy to you and you then choose to take that policy out at the offered payments then how can you complain??


  • #18
    [Deleted User]
    Posts: 17,378 ✭✭✭✭ [Deleted User]


    robtri wrote: »
    not to seem to be supporting quinn....

    but when you took out the policy, they gave you all the details about the policy, the terms and conditions and you agreed to these...
    now if you didn't read the terms and conditions and then decide to vary from your agreed policy, i.e cancel it, then you are liable for all the conditions imposed by the policy as set out by quinn to which you agreed to....

    in short they offered you a policy, with all these stipulations on it, you accepted, more than likely didn't read all the terms about the policy and now want to give out about it....

    so really IMHO... this is more your fault than theirs....

    I cancelled my insurance with McSharryFoley when I bought my beamer.. They gave me back every cent and it was a direct debit setup just like Quinn.
    I figured you pay for what you get.. I get 70% policy, I pay 70% policy.
    When I got the car, I certainly wasn't contemplating cancelling insurance at any point.. So I didn't look at cancellation policy nor would it have caused me to not get insured.
    CountingCrows wrote: »
    Looking at this, can't see why you'd want to cancel your insurance!

    Rear wheel drive with no traction control.. Always bad when you hit slush and ice!


  • #19
    [Deleted User]
    Posts: 17,378 ✭✭✭✭ [Deleted User]


    Speedway wrote: »
    I have an insurance policy with quinn. when i took it out i decided to spread the cost of the insurance over the year so i chose the installments.

    Before you decide to go for this option it lists what your first payment and your monthly payments are. So it tells you what the cost will be and you choose to accept or decline it. I understand that you're frustrated with the cancellation etc but if they outline the costs before you accept the policy then how can you complain about it?

    I do sympathize with you but if they outline the policy to you and you then choose to take that policy out at the offered payments then how can you complain??

    This right here is the problem with boards. People can hide behind a veil of perfection and look down on anybody who makes a mistake.

    I was 21 years old, I just got the car I wanted since I was 10. I could only get insured on Quinn. Now I cancel insurance to save money and over pay by near 550euro.

    Yea, I really shouldn't be allowed to get pissed off?!
    It's fine print that is specific to Quinn.. That's my problem.
    Teach me to be like you and not have emotions.


  • #20
    patrickc
    Registered Users, Registered Users 2 Posts: 7,948 ✭✭✭patrickc


    if you want to rant cos you didnt read the terms and conditons use the ranting and raving forum


  • #21
    Anan1
    Registered Users, Registered Users 2 Posts: 22,815 ✭✭✭✭Anan1


    Deleted User wrote: »
    This right here is the problem with boards. People can hide behind a veil of perfection and look down on anybody who makes a mistake.

    I was 21 years old, I just got the car I wanted since I was 10. I could only get insured on Quinn. Now I cancel insurance to save money and over pay by near 550euro.

    Yea, I really shouldn't be allowed to get pissed off?!
    It's fine print that is specific to Quinn.. That's my problem.
    Teach me to be like you and not have emotions.
    This isn't about emotions, it's about business. You bought a policy without checking the t&cs and you paid the price. It's a tough lesson, but it's also a valuable one.


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  • #22
    KamiKazi
    Banned (with Prison Access) Posts: 6,201 ✭✭✭KamiKazi


    Anan1 wrote: »
    This isn't about emotions, it's about business. You bought a policy without checking the t&cs and you paid the price. It's a tough lesson, but it's also a valuable one.

    €540 to be exact :pac:


  • #23
    [Deleted User]
    Posts: 17,378 ✭✭✭✭ [Deleted User]


    KamiKazi wrote: »
    €540 to be exact :pac:

    What I'd give for you to be in front of me right now.


  • #24
    Anan1
    Registered Users, Registered Users 2 Posts: 22,815 ✭✭✭✭Anan1


    Deleted User wrote: »
    What I'd give for you to be in front of me right now.
    Believe me, I do feel for you. But if you don't see why this happened then you leave yourself open for it to happen again. The only thing worse than making a mistake is making a mistake and then not learning from it.


  • #25
    Mr Benevolent
    Closed Accounts Posts: 12,456 ✭✭✭✭Mr Benevolent


    Don't use DD next time - it's another added expense.


  • #26
    Speedway
    Registered Users, Registered Users 2 Posts: 565 ✭✭✭Speedway


    I'm sorry mate look I sympathize with you if you can't afford your insurance etc, but am I the only one who thinks this thread is like a child throwing a tantrum and stamping their feet.

    You were offered insurance at a price, then decided months later that it wasn't for you and then because you weren't allowed to break a legal financial contract you are throwing a tantrum and complaining. And to be honest the way you are replying to people on the forum here aggressively saying you wish they were standing in front of you when they give you completely accurate advice??! seriously buddy grow up. As someone said if you want to rant go somewhere else.


  • #27
    BostonB
    Closed Accounts Posts: 18,056 ✭✭✭✭BostonB


    Anan1 wrote: »
    This isn't about emotions, it's about business. You bought a policy without checking the t&cs and you paid the price. It's a tough lesson, but it's also a valuable one.

    The original post made no sense either.

    You've really got to read the detail in Insurance policies they can be very different when you wouldn't expect them to be.


  • #28
    Dades
    Moderators, Society & Culture Moderators Posts: 25,558 Mod ✭✭✭✭Dades


    Deleted User wrote: »
    What I'd give for you to be in front of me right now.
    Tough lesson, but you sound tough so I guess you'll live.

    I do feel sorry you though. I would expect any insurer to refund me cash paid on a policy I was cancelling. AXA are great like that - I changed my car half way through the year they offered me a cheque for the slight drop in insurance cost.


  • #29
    vengeance52
    Registered Users, Registered Users 2 Posts: 1,526 ✭✭✭vengeance52


    This again.
    http://www.quinn-direct.com/documents/policydocs/motor_policy_roi.pdf

    Page 16/17. General Conditions.

    Cancellations are charged by monthly rates returned... look what you get back if you cancel over 9months since you took out the policy.

    A number of insurers are using this method now, esp in the UK market.

    Read you handbook and the T&C's


  • #30
    TheColl
    Registered Users, Registered Users 2 Posts: 321 ✭✭TheColl


    title of this thread is a little misleading... i feel sorry for you OP, as you didnt realise you would have to pay this money and there's nothing worse than an unexpected large expense... but you haven't been fleeced at all, its right there in black and white in the terms and conditions of your policy!


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  • #31
    BigBelly
    Registered Users Posts: 22 ✭BigBelly


    First off, yeah what happened is bad and I sympathise to an extent but this condition is NOT specific to Quinn. Axa, Royal and Sun and Allianz have the same policy.
    When you dealt with a broker previously the broker had nothing to lose by refunding you on the pro rata basis. They don't pay for the standing orders with Quinn its done on a money transfer basis and little if any bank fees apply.
    Without getting into too much detail when you take out insurance a certain amount of money has to be set aside by the company for the policy and anything that may arise from that. If you cancel early they are losing out financially so you are not going to walk away without them trying to claw some of that back from you.
    However; Quinn behaved inappropriately by not advising you that you would owe them further monies and that they would be going to your bank in January for this payment. Get onto them tomorrow, speak to a manager advise them you would like them to listen to the call you initially made and explain to you why none of this was mentioned. If you had cancelled your DD when you cancelled the policy (which you should have done and should do asap) they wouldn't have received their payment. See what her explaination is and push to have some of the premium refunded or the remaining amount written off.
    Most of all OP realise that this isn't Quinns fault. I know you're 21 but if you are old enough to own, insure and drive a car then you are old enough to read the terms and conditions of this and any contract you ever enter into. Blaming someone else will not resolve the issue.


  • #32
    PeakOutput
    Registered Users, Registered Users 2 Posts: 7,639 ✭✭✭PeakOutput


    NOGMaxpower wrote: »
    I was shafted by them for over 4k after an accident went court. All the wahilie my premium went through the roof for 2 years while the courts settled it.

    if the exact same thing happens to you tomorrow hibernian will do exactly the same thing as will any of the other insurers unless you have bought bonus protection of course


  • #33
    niceirishfella
    Closed Accounts Posts: 5,538 ✭✭✭niceirishfella


    Deleted User wrote: »
    It's fine print that is specific to Quinn.. That's my problem.

    All insurers have fine print and t's and c's - and what you outline is not exclusive to quinn, for example if you cancel a policy with Britton brokers for Prestige, they hold back plenty of cash as I learned in the past.

    Still, its a PITA, most of us have been there.....so, I can relate.
    Also,I don't troll but apology accepted.:)


  • #34
    PeakOutput
    Registered Users, Registered Users 2 Posts: 7,639 ✭✭✭PeakOutput


    Deleted User wrote: »
    I was 21 years old, I just got the car I wanted since I was 10. I could only get insured on Quinn. Now I cancel insurance to save money and over pay by near 550euro.

    i feel for ya but this is the only reason quinn are able to offer insurance to people in your circumstances in the first place. there is a reason the other companies wouldnt take you so they charge you a premium for taking you. i know how you feel but its like flying with ryanair and complaining that they are making you pay 20euro for every kg your bag is overweight this is how they make their money


  • #35
    BigBelly
    Registered Users Posts: 22 ✭BigBelly


    PeakOutput wrote: »
    NOGMaxpower wrote: »
    I was shafted by them for over 4k after an accident went court. All the wahilie my premium went through the roof for 2 years while the courts settled it.
    QUOTE]

    if the exact same thing happens to you tomorrow hibernian will do exactly the same thing as will any of the other insurers unless you have bought bonus protection of course

    Bonus protection is a load of sh!t and only proves useful if you claim for something under €500. Anything more then that and the premium will still increase dramatically but you will be issued a letter stating you have x amount year NCB with X company. When you move to another insurer they will only count your NCB from the year you claimed. So if you had 5 years ncb in jan 2007, claimed in Jan for a bumper Q would still tell you you had 5 years NCB. However; if you go to say Axa in 2009 they will only accept 2 years ncb from you as it has only been 2 years with NO claims on your policy.


  • #36
    PeakOutput
    Registered Users, Registered Users 2 Posts: 7,639 ✭✭✭PeakOutput


    BigBelly wrote: »
    PeakOutput wrote: »
    Bonus protection is a load of sh!t and only proves useful if you claim for something under €500.

    not really
    Anything more then that and the premium will still increase dramatically but you will be issued a letter stating you have x amount year NCB with X company.

    unless something major has change since i left the business thats not true. you either have bonus protection or you dont. if you do you can have one claim on your policy without it affecting your ncb
    When you move to another insurer they will only count your NCB from the year you claimed. So if you had 5 years ncb in jan 2007, claimed in Jan for a bumper Q would still tell you you had 5 years NCB. However; if you go to say Axa in 2009 they will only accept 2 years ncb from you as it has only been 2 years with NO claims on your policy.

    well of course you didnt buy the protection from axa so why would they give you a 5 year bonus when you had an accident 2 years ago?

    it is one other way of a company keeping you with them after an accident but if you like the company your with thats not an issue


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  • #37
    BigBelly
    Registered Users Posts: 22 ✭BigBelly


    I'm an underwriter so I can assure you it's all true and accurate. Also I pointed out the issue with changing insurers as most people don't realise the bonus protection does not transfer from one company to another. If you have contacted and accepted a quote from another insurer based on the fact you thought you had a protected NCB that would transfer to them only to realise that is not the case and they either cancel the policy or increase the premium, in most cases charging more than your original insurer. When you go back to your original insurer you are treated as a new customer a still only have 2 years NCB.

    Also the one claim without affecting is bull as your premium will still increase the following year


  • #38
    Anan1
    Registered Users, Registered Users 2 Posts: 22,815 ✭✭✭✭Anan1


    BigBelly wrote: »
    Also the one claim without affecting is bull as your premium will still increase the following year
    On what basis will they load the premium if the NCB is fully protected?


  • #39
    mickdw
    Registered Users, Registered Users 2 Posts: 23,593 ✭✭✭✭mickdw


    To be honest that policy of withholding 90% of premium if policy is cancelled early is pretty crap. I know alot of insurers do this but many I think only if you cancel during your first year with them. Ive never had a problem with axa relating to anything like that.
    When the OP rang quinn to cancel the policy, there is no doubt he should have been advised that 90% of premium would be withheld to see if this made a difference re the decision to cancel.


  • #40
    Anan1
    Registered Users, Registered Users 2 Posts: 22,815 ✭✭✭✭Anan1


    mickdw wrote: »
    When the OP rang quinn to cancel the policy, there is no doubt he should have been advised that 90% of premium would be withheld to see if this made a difference re the decision to cancel.
    Absolutely. It may even have been worth the OP's while paying the full premium if it made the difference between getting NCB for the year and not.


  • #41
    PeakOutput
    Registered Users, Registered Users 2 Posts: 7,639 ✭✭✭PeakOutput


    BigBelly wrote: »

    Also the one claim without affecting is bull as your premium will still increase the following year

    ok its been two years and i was in claims not underwriting so if i have to ill bow to your superior knowledge in the are

    but your premium increasing is not the same as losing your bonus your premium can increase for any other. i have dealt with hundreds if not thousands of claims involving no claims bonus protection and if the persons premium went up after one accident it was either a mistake or because something else had changed in the mean time

    as far as i remember it protects you for one accident in two years and some insurance companies will even let you pick which accident it applies to if you have more than one

    again this was from 2 or 3 years ago the big r word might mean they are clamping down and changing terms and conditions


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  • #42
    -Corkie-
    Closed Accounts Posts: 10,025 ✭✭✭✭-Corkie-


    mickdw wrote: »
    To be honest that policy of withholding 90% of premium if policy is cancelled early is pretty crap. I know alot of insurers do this but many I think only if you cancel during your first year with them. Ive never had a problem with axa relating to anything like that.
    When the OP rang quinn to cancel the policy, there is no doubt he should have been advised that 90% of premium would be withheld to see if this made a difference re the decision to cancel.
    Oh stay away from quinns a shower of gangsters


  • #43
    niceirishfella
    Closed Accounts Posts: 5,538 ✭✭✭niceirishfella


    malcox wrote: »
    Oh stay away from quinns a shower of gangsters

    what an informed post.:o


  • #44
    -Corkie-
    Closed Accounts Posts: 10,025 ✭✭✭✭-Corkie-


    Ya well i had a long post wrote out and this stupid 3 broadband crashed and deleted everything OK


  • #45
    TheColl
    Registered Users, Registered Users 2 Posts: 321 ✭✭TheColl


    malcox wrote: »
    Oh stay away from quinns a shower of gangsters

    is there any insurance company who aren't??


  • #46
    PeakOutput
    Registered Users, Registered Users 2 Posts: 7,639 ✭✭✭PeakOutput


    niceirishfella wrote: »
    what an informed post.:o

    well he is right :p


  • #47
    PeakOutput
    Registered Users, Registered Users 2 Posts: 7,639 ✭✭✭PeakOutput


    TheColl wrote: »
    is there any insurance company who aren't??

    most of them besides quinn tbh


  • #48
    TheColl
    Registered Users, Registered Users 2 Posts: 321 ✭✭TheColl


    PeakOutput wrote: »
    most of them besides quinn tbh

    right, well i'll be switching next time so! they've actually been the cheapest for me the last 3 years in a row and have found them very easy to deal with, perhaps i've just been lucky.


  • #49
    pdiddy
    Registered Users, Registered Users 2 Posts: 265 ✭✭pdiddy


    im also with quinn about 8yrs now without any prob have switched insurance from one car to another numerous times always found them to be helpful,had a claim against me 2 yrs ago premium went up for the first year but came down a good bit the second year,theyve always been the cheapest no matter what car ive tried to insure


  • #50
    BigBelly
    Registered Users Posts: 22 ✭BigBelly


    Anan1 wrote: »
    On what basis will they load the premium if the NCB is fully protected?

    Because you have claimed you have proven a risk, so while they will deduct a % for your no claims bonus they will load your premium higher than someone else with your specifications. They are legally entitled to do this and the excuse thats usually given for the increase is inflation. Not sure how the personal lines staff are explaining it at the moment though :rolleyes:
    Your claims history obviously plays a huge part in calculating your risk to an insurance company and if they have to pay out €5 -€10K for an accident there is no way your premium will not be loaded the following year. The NCB protection is nice for peace of mind for those who have never had to use it but it is widely viewed (in my experience) as a money making scheme for insurers and over the phone sales agents were encouraged to push it on customers back when I was in sales.


  • #51
    [Deleted User]
    Posts: 17,378 ✭✭✭✭ [Deleted User]


    To everyone saying it's in the Terms and Conditions, I'd love to see you to say that your girrlfriend or mother if they got done for near 550euro.. That's more money than most peoples entire policy for the year! It's easy to be righteous on the internet but I guarantee every one of ye would feel agrieved if you were me and no amount of T&C's would make you forget it.

    The other thing is that I signed onto Quinn and never considered that I'd want to be cancelling the contract.. So it wouldn't have swayed my decision back then. I can't afford to drive anymore and considering I cancelled my insurance and am taking the bus to work, getting fuked for the money is particularly annoying. It's not like I've another car now or anything, I'm getting the bus to work while knowing Quinn are taking 550euro too much off me.


    Anyone who comes back and says T&C's, well that doesn't mean I'm not getting fleeced.. Just because it's legally binding doesn't make it fair. If I signed up to an extortionate rate of interest or something, then I can't complain.. But it's a ridiculous cancellation policy that gets magnified because of the huge initial premium.

    Everyone in work is sympathetic and thinks it's a disgrace.. Shows the difference between real life and boards.


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