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quinn direct threatening to cancel my cover

  • 03-06-2010 10:22PM
    #1
    michael999999
    Banned (with Prison Access) Posts: 7,771 ✭✭✭


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


«1

Comments

  • #2
    Indubitable
    Registered Users, Registered Users 2 Posts: 1,300 ✭✭✭Indubitable


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


  • #3
    Wats_in_a_name
    Registered Users, Registered Users 2 Posts: 838 ✭✭✭Wats_in_a_name


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


  • #4
    Dravokivich
    Moderators, Category Moderators, Music Moderators, Politics Moderators, Society & Culture Moderators Posts: 22,424 CMod ✭✭✭✭Dravokivich


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

    ^ may be more helpfull...


  • #5
    Boxoffrogs
    Closed Accounts Posts: 458 ✭✭Boxoffrogs


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


  • #6
    Carawaystick
    Registered Users, Registered Users 2 Posts: 8,779 ✭✭✭Carawaystick


    I'd ring the insurance ombudsman in the morning

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

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

    Have you got the insurance cert yet?

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

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

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


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

    in summary don't panic,


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  • #7
    dr.bollocko
    Moderators, Music Moderators Posts: 35,948 Mod ✭✭✭✭dr.bollocko


    Moved from after hours.


  • #8
    L1011
    Registered Users, Registered Users 2 Posts: 75,476 ✭✭✭✭L1011


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


  • #9
    orourkeda
    Closed Accounts Posts: 17,916 ✭✭✭✭orourkeda


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


  • #10
    MagicMarker
    Banned (with Prison Access) Posts: 32,865 ✭✭✭✭MagicMarker


    Carawaystick wrote: »
    I'd ring the insurance ombudsman in the morning

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

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

    Have you got the insurance cert yet?

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

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

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


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

    in summary don't panic,
    Jesus christ!

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

    This is what you call, a non issue.


  • #11
    orourkeda
    Closed Accounts Posts: 17,916 ✭✭✭✭orourkeda


    Carawaystick wrote: »
    I'd ring the insurance ombudsman in the morning

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

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

    Have you got the insurance cert yet?

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

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

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


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

    in summary don't panic,

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

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


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  • #12
    Mr Benevolent
    Closed Accounts Posts: 12,433 ✭✭✭✭Mr Benevolent


    MagicMarker wrote: »
    Jesus christ!

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

    This is what you call, a non issue.

    Agreed. Pay the thing and get over it.


  • #13
    michael999999
    Banned (with Prison Access) Posts: 7,771 ✭✭✭michael999999


    Carawaystick wrote: »
    I'd ring the insurance ombudsman in the morning

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

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

    Have you got the insurance cert yet?

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

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

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


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

    in summary don't panic,
    i have the cert since start of march.i rang to pay the agreed renewal by laser and thought it was done correctly.today was the first time they had contacted me.ive had neither a letter or phone call about this in the three months since.i got really pissed off on the phone.i would be embarassed and out of business if i treated one of my customers like this for a tenner.
    this was there mistake,they took out the wrong amount.


  • #14
    michael999999
    Banned (with Prison Access) Posts: 7,771 ✭✭✭michael999999


    Confab wrote: »
    Agreed. Pay the thing and get over it.
    why should i,it was there mistake!


  • #15
    Colonel Sanders
    Closed Accounts Posts: 7,669 ✭✭✭Colonel Sanders


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


  • #16
    Mike 1972
    Closed Accounts Posts: 8,017 ✭✭✭Mike 1972


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

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


  • #17
    Profiler
    Registered Users, Registered Users 2 Posts: 1,327 ✭✭✭Profiler


    michael999999 wrote: »
    i renewed my car insurance with quinn direct in march.i paid by laser and they sent out all the forms and there were no problems.that was until today.
    i got a voice mail asking could i ring them immediately,which i did.the operator then told me that when i renewed they made a mistake and took a tenner less than they should have and that if i didnt pay the balance in 7 days my cover would be cancelled.
    im with quinn 6 years and now im really thinking of cancelling over this out of principle,what would you do.

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

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


  • #18
    michael999999
    Banned (with Prison Access) Posts: 7,771 ✭✭✭michael999999


    Colonel Sanders wrote: »
    So OP did you offer to pay (and were charged) the amount stated on the renewal form? No idea about a legal standing but if it was an error on their behalf then I can't imagine they'd lose goodwill (and by the sounds of it a customer) over 10 if it was their mistake. If they stated a renewal premium & charged you 10 less by mistake they may pursue it.
    i agreed to pay the renewal on march 11,i rang with my card number,they said the payment had gone through,all the documents and the disc were sent out.no mention of the under charging till today.


  • #19
    michael999999
    Banned (with Prison Access) Posts: 7,771 ✭✭✭michael999999


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

    However if you have documentation that says "your annual premium will be €X" and they are now looking for €X + €10 then tell them to go ram it.
    i had no problem paying the stated renewal amount,what pisses me off is that they would threaten to cancel my premium after 3 months over 10 euro.my firsts years premium was 1900 down to 560 this year so they have certainly got there money over the last 6 years.


  • #20
    BnB
    Registered Users, Registered Users 2 Posts: 1,091 ✭✭✭BnB


    Pay the tenner

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

    Lifes too short to do any more than laugh at it


  • #21
    michael999999
    Banned (with Prison Access) Posts: 7,771 ✭✭✭michael999999


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


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  • #22
    MagicMarker
    Banned (with Prison Access) Posts: 32,865 ✭✭✭✭MagicMarker


    michael999999 wrote: »
    i would die of shame if i had to ring one of my customers because i under charged them 10 euro.im expecting a call from the viper tomorrow.the mind truly boggles!
    You knew how much the policy cost, you must have realised they didn't charge you the full amount? At the end of the day the onus is on YOU.

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

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


  • #23
    Del2005
    Registered Users, Registered Users 2 Posts: 19,148 ✭✭✭✭Del2005


    michael999999 wrote: »
    i agreed to pay the renewal on march 11,i rang with my card number,they said the payment had gone through,all the documents and the disc were sent out.no mention of the under charging till today.

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


  • #24
    michael999999
    Banned (with Prison Access) Posts: 7,771 ✭✭✭michael999999


    Del2005 wrote: »
    You still haven't answered on what amount they took. Did they take the amount you where quoted or did they take E10 less? If they took E10 less then you have to pay, granted they don't have the best customer service but no one goes to Quinn for CS, if they took the amount you where quoted tell then to go jump.
    to be honest i didnt check the statement as i had received all the correspondence back i didnt think there was a problem.i presumed they took the correct amount as they normally do.


  • #25
    CJhaughey
    Registered Users, Registered Users 2 Posts: 14,670 ✭✭✭✭CJhaughey


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


  • #26
    stepbar
    Closed Accounts Posts: 6,123 ✭✭✭stepbar


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

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

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


  • #27
    jaffa20
    Registered Users, Registered Users 2 Posts: 4,662 ✭✭✭jaffa20


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


  • #28
    michael999999
    Banned (with Prison Access) Posts: 7,771 ✭✭✭michael999999


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

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

    I think I'd be moving insurance company if I were you. Imagine what lengths they would go to if, god forbid, you had an accident and needed to make a claim.
    it cost them nothing on phone calls because they left me a voice mail to ring them.just wondering is leaving voice mails part of the cost cutting,ie the customer having to ring them.


  • #29
    stepbar
    Closed Accounts Posts: 6,123 ✭✭✭stepbar


    michael999999 wrote: »
    it cost them nothing on phone calls because they left me a voice mail to ring them.just wondering is leaving voice mails part of the cost cutting,ie the customer having to ring them.

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

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

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


  • #30
    D_murph
    Registered Users, Registered Users 2 Posts: 773 ✭✭✭D_murph


    What I recommend is this...

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

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

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

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


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  • #31
    Absurdum
    Closed Accounts Posts: 4,444 ✭✭✭Absurdum


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


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