Quinn Direct.

[Clouds_mate]

mwahaha sorry for another insurance thread.

Quick Question - if your fully comp, are you insured on any car which has insurance and with the owners consent (sp)

[Barry123]

mwahaha sorry for another insurance thread.

Quick Question - if your fully comp, are you insured on any car which has insurance and with the owners consent (sp)

depends on the insurance company and their/your policy.

I am fully comp but cant drive any other buggers' car :(

[Clouds_mate]

going from the thread title im guessing Quinn Direct and fully comp ;)

[Luke]

Same as what Ad said.

I think i am covered to drive anyones car, because in the policy booklet there is no mention of age limits. Some companies state you need to be 21+, but if you are Leckie - remember you are only covered 3rd party ONLY.

[saxodan]

going from the thread title im guessing Quinn Direct and fully comp ;)


Lazy git read the policy lol

[hesslevtr]

im not sure mate dont think theres anything on my crtificate that says you can

[Clouds_mate]

well i wasnt planning on driving everyday but would be the tits if i was covered

[jaybiss]

brother can and hes with quinn and hes only third party too :P

[Luke]

If you can't see anything to say you are/ain't, then i say your covered.

Nothing my policy booklet whatsoever, hence why i'v been driving the Fiesta.

[DarylVTR]

it is VERY vague on quinn directs policy it says you can in the handbook but then again it says ONLY IF YOUR CIRTIFICATE SAYS SO. Which says to me no as im fully comp and i dont think i can drive other peoples cars although i am very confused over this. I did drive an ex g/f's corsa with quinn but i assumed it was covered as in the handbook it says you will be covered if : and a list of things like you have the owners permission.

Best to give them a call as their policy booklet doesnt say much on this topic...

loads of quinn direct threads on sax-p now they are getting alot of free advertising :p

[Barry123]

If you can't see anything to say you are/ain't, then i say your covered.


Other way round, if it doesnt say anything dont assume you're covered, the Fed's and insurance companies will pound your sweet cheeks if you wollop a car that you arent technically insured on.

Never assume with insurance go find out

[DarylVTR]

brother can and hes with quinn and hes only third party too :P

This is what i thought as it said section 3 applys to 3rd party fire and theft + fully comp but be ware i believe i was wrong, this policy really isnt clear......i think it could be very missleading!

[Luke]

If you are covered to drive other peoples cars, will it DEFO tell you on the certificate?

Again, can't seem to find anything on mine.

[DarylVTR]

Other way round, if it doesnt say anything dont assume you're covered, the Fed's and insurance companies will pound your sweet cheeks if you wollop a car that you arent technically insured on.

Never assume with insurance go find out

agreed, id assume you cant if it doesnt say anything.

It will state by 'Social domestic & pleasure' use only etc or say 'restrictions' or 'limitations' on your insurance cirtificate but as i said, with quinn it doesnt state yes or no, and the handbook is missleading, phone them leckie, and tell us what they said :p

[Barry123]

If you are covered to drive other peoples cars, will it DEFO tell you on the certificate?

Again, can't seem to find anything on mine.

YES it will say 'you can drive another person vehicle blah blah'
If it doesnt then you arent insured - simple

[Luke]

You got a point Ad's yeah.

Girlfriends adding me on tomorrow anyway, so i'll know that i am covered.

[Luke]

*goes and rechecks now*

[Luke]

Does the following mean i'm not insured...

*The driving of other cars extension is not included unless specified in above Section 5'

Saying that i'm not, i was driving girlfriends on her free 7 day insurance. When you pick up new car, you get 7 days free insurance and it states anybody can drive it - so i was covered at the time.

[Clouds_mate]

taken from the PDF doc

http://img70.imageshack.us/img70/3681/untitledfk5.jpg

[DarylVTR]

your not covered then mate no , unless in section 5 on ur cirtificate it says YES

[DarylVTR]

taken from the PDF doc

http://img70.imageshack.us/img70/3681/untitledfk5.jpg

Thats the 1 buddy, see where it says IF YOUR CIRTIFICATE SAYS SO..... It never said that last year, so id say no we are not covered.

[Barry123]

Does the following mean i'm not insured...

*The driving of other cars extension is not included unless specified in above Section 5'

check section 5

LECKIE: check your certificate.

[Clouds_mate]

taken from the site tho.....

As part of our car insurance Policy we offer:

# Named Driver Experience Discount*

# Easy Monthly Payment Option

# Loss of keys cover

# Personal accident cover**

# Medical Expenses**

# Hotel Expenses**

# Audio equipment

# New car replacement

# Generous No Claims Discounts

# Protected Maximum No Claims Bonus Option

# Step-back No Claims Discount as standard

# New Low Claims Excess

# Open Drive Option

# Driving Other Cars Extension

# European use (3 months max)

# Courtesy car when using approved repairer



*Available to first time policy holders only.
**Comprehensive cover only.
Cover is subject to the terms & conditions of the policy document.

[DarylVTR]

# Open Drive Option
# Driving Other Cars Extension


Extension meaning you can opt for it when taking a policy i expect which = more £

[Clouds_mate]

open drive means anyone can drive your car over 25 fully comp i think

[Barry123]

open drive means anyone can drive your car over 25 fully comp i think

correct.

[Luke]

Section 5 says the following

5. Persons or classes of persons entitled to drive

Luke Patchett
Louise Hullah


Provided that the person driving holds a licence to drive the vehicle or has held and is not disqualified for holding or obtaining such a licence.

That's all.

[Barry123]

Section 5 says the following

5. Persons or classes of persons entitled to drive

Luke Patchett
Louise Hullah


Provided that the person driving holds a licence to drive the vehicle or has held and is not disqualified for holding or obtaining such a licence.

That's all.

you arent covered to drive another car - welcome to the club

[Luke]

Great!

Well just as well i'm getting insured of Fiesta tomorrow.

[DarylVTR]

lol think you have to be 21 anyway and pay extra as farr as i know

[Clouds_mate]

so what are your thoughts on the policy AD?

[DarylVTR]

Great!

Well just as well i'm getting insured of Fiesta tomorrow.

Fiesta? that will be fun :)

Quinn direct are very good excess is fixed and low, premium is very good and their policy on mods is great! been with them a year now no trouble

[Luke]

It's the girlfriends mate, it's very nice actually!

[Clouds_mate]

I need to call them tomorrow to declare the mods.

What did you tell them and how much did it bump it up?

[Barry123]

so what are your thoughts on the policy AD?
with only seeing the basics (the common policy stuff) i cant totally comment.

But it's these you want to pay attention to with reference to your thread...
# Open Drive Option

# Driving Other Cars Extension

open drive being - people on your car
driving other cars - insured on other peoples car.

I'm going with quinn this year if thats any help

[Clouds_mate]

I'm going with quinn this year if thats any help

not really lol

[DarylVTR]

althought you keep asking ads not me, il answer it anyway, you do not need to declair any cosmetic mods to your car with quinn, the examples they have me on phone that are fine and they dont want to know about are:

Alloys, Bodykits, Trim, windows etc

Anything to do with engine / suspension / exhaust they do want to know about. BUT your not allowed to fit anything yourself with quinn if your going to declair it, this is a weird thing i found out. They want you to get an 'egineers report form' filled in by the person who carries out the mod (only engine / suspesion / exhaust) to says its been fitted propperly and safely, when i tryied explaining i was going to do it myself they didnt have a clue what i was talking about TBH so i gave up.

[Clouds_mate]

but all the mods was done before taking ownership.

Altho i do have the recept for fitting the exhaust and full suspention kit but no report.

does the delcared mods bump the insurance

[Barry123]

I'm going with quinn this year if thats any help

not really lol

haha! sorry dude :D:

[Barry123]

but all the mods was done before taking ownership.

Altho i do have the recept for fitting the exhaust and full suspention kit but no report.

does the delcared mods bump the insurance

Claiming ignorance for the mods is not accepted by the insurance companies. just gotta accept it like

[Clouds_mate]

i dont understand what do you mean ads?

[dannyjay]

but all the mods was done before taking ownership.

Altho i do have the recept for fitting the exhaust and full suspention kit but no report.

does the delcared mods bump the insurance

I emailed them, let me grab it.

[DarylVTR]

shouldnt do no, what i gathered was aslong as this report is completed by the garage your insurance doesnt go up unless it adds considerable BHP.

Like i said when i was trying to explain to the woman about mine she didnt have a clue what iu was talking about and insisted i needed this report before i can do it

They are all dam irish i didnt understand a word she said either LOL

[Barry123]

i dont understand what do you mean ads?
soz man,

basically you have to declare the mods regardless of whether you modded it or someone else did.

[dannyjay]

Hi,

I'm currently insured with Quinn-Direct on a 2000 Saxo Mark. 2 Furio 1.4i 8v, and my insurance is Third Party Fire & Theft. (TPF&T) I have a few questions to ask and it would be appreciated if they could be answered.

I bought the car at the beginning of February, and it came with an aftermarket back box, induction kit, ECU Valve and it had been lowered 40mm, all by the previous owner. Since then I've replaced the CD player, all the original speakers, I've added a subwoofer and amplifier in the boot and I've replaced the wheels with some 15" Lenso RS5's, also I've recently added a Viper 5000 Pager2Pager Alarm System.


Now my questions are;

* As I'm TPF&T do I need to declare modifications on my car?

* How much will I be looking to pay extra for the specific modifications?

* Will the fact that I've added an alarm cheapen my insurance?



Thank you for your time, and I will be looking forward to hearing from you.

Dear Mr Brownley

Thank you for your e-mail dated: 02/05/06

I would like to confirm that as long as the vehicle has had an MOT done
since the changes were made, than the modifications are fine. Having an
alarm on the vehicle will not make a difference to your premium.

If there are any further queries please do not hesitate to contact us.

Regards
Zoe
Administration Department

There you go bud. :A:

[Clouds_mate]

yeh i know that mate what i ment was.

They ask for a report when they fit the mods. well the mods were fitted before i took ownership of the car. I have repict for the fitment but how am i ment to get a report for something that was done before

[DarylVTR]

he knows that he meant if he needs this report how can he if he bought it like it :p

which is a very valid point, i did email them once and they said i didnt need to claim mods but i dunno wheather to believe that or not....

Danny has got same sort of email as i did ................. they arnt bothered about them as long as they are safe and pass MOT which obviously proves its road worthy! its a really good way of doing it , basically do wotever you want to it mate if they say you dont have to claim mods keep the e-mail they sent saying or, ask for it in writing.

[Clouds_mate]

well if was an email you have written proof if anything is needed.

[Clouds_mate]

cheers for that danny mate :D

[dannyjay]

cheers for that danny mate :D

No problems matey. :A:

[DarylVTR]

well if was an email you have written proof if anything is needed.

Thats what i said lol are you ignoring my replies LOL you havnt really discussed what ive said further only took wot danny and ads said in! LOL :innocent: :sad:

[Clouds_mate]

dude u edited your post after i replied lol.

Thanks for your help Everyone :)

[DarylVTR]

lol oh did i soz lol keep making typos, tis too hot

[Clouds_mate]

you seem to be in the same boat as me thats why too.

[Clouds_mate]

well i just got the doc's

It says this on my certificate...

the policyolder, if they have a full EU licence, may also drive, with the permission of the owner, any private motor car subject to the terms and condidtions of the policy.


To me that means i can because in the booklet, also page 2 of this thread it states if its on the certificate. which it is.

[Luke]

Yeah looks like you can drive another car under 3rd party mate.

Wish i had this on mine.

Little update on mine actually - phoned them because i now have proof of my 1yrs NCB from the Westcoast, so i SHOULD get a 35% discount.