vtrchris64
6th December 2006, 21:24
I found this information on another forum and as many are with quinn me aswell take note.
"Many of you are now with them, so I thought I'd try and share a bit of knowledge that has come to my attention about them, and that I have found out by looking through their policy document:
No Claims Stepback
With most insurers, if you make a claim on your insurance, your No Claims Bonus (NCB) is reduced by two years, ie,
0-2 years becomes Zero
3 years becomes 1 year
4 becomes 2
5 becomes 3 (There is no extra discount for 5+ years normally)
With Quinn, they stepback 3 years, so:
0-3 becomes zero
4 becomes 1
5 becomes 2
Obviously this will have a heavy impact if the worst does happen. I also have been advised that GLASS CLAIMS WILL ALSO REDUCE YOUR NCB AS PER THE ABOVE SCALE. Many companies do not alter your NCB for windscreen and glass claims (provided they are infrequent) so BE AWARE!!!
Quinn will also not Protect your NCB unless you have 5 years NCB.
On Fully Comp policies, Quinn will allow you to drive other CARS Third Party Only , provided this extension is noted on your certificate of insurance. This excludes vans, car-vans (cars with the rear seats removed) and "Jeep Type vehicles" (although what a jeep-type vehicle is is unclear). Some companies will allow you to drive other VEHICLES up to 2.8 or 3.5tons Third Party Only.
Quinn may also not pay out in the event of a claim unless ALL bulbs in the car are working. So that duff taillight you were meaning to replace could cost you your insurance policy.
Insurance companies can be f***ers. Those extra few ££ between different companies can mean a lot of differences in each company's actual policies. Of course, if you don't claim you've nothing to worry about....."
"Many of you are now with them, so I thought I'd try and share a bit of knowledge that has come to my attention about them, and that I have found out by looking through their policy document:
No Claims Stepback
With most insurers, if you make a claim on your insurance, your No Claims Bonus (NCB) is reduced by two years, ie,
0-2 years becomes Zero
3 years becomes 1 year
4 becomes 2
5 becomes 3 (There is no extra discount for 5+ years normally)
With Quinn, they stepback 3 years, so:
0-3 becomes zero
4 becomes 1
5 becomes 2
Obviously this will have a heavy impact if the worst does happen. I also have been advised that GLASS CLAIMS WILL ALSO REDUCE YOUR NCB AS PER THE ABOVE SCALE. Many companies do not alter your NCB for windscreen and glass claims (provided they are infrequent) so BE AWARE!!!
Quinn will also not Protect your NCB unless you have 5 years NCB.
On Fully Comp policies, Quinn will allow you to drive other CARS Third Party Only , provided this extension is noted on your certificate of insurance. This excludes vans, car-vans (cars with the rear seats removed) and "Jeep Type vehicles" (although what a jeep-type vehicle is is unclear). Some companies will allow you to drive other VEHICLES up to 2.8 or 3.5tons Third Party Only.
Quinn may also not pay out in the event of a claim unless ALL bulbs in the car are working. So that duff taillight you were meaning to replace could cost you your insurance policy.
Insurance companies can be f***ers. Those extra few ££ between different companies can mean a lot of differences in each company's actual policies. Of course, if you don't claim you've nothing to worry about....."