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Frequently Asked Questions

• Who can drive my car?
  The policyholder and any driver named on the Certificate of Insurance provided that person holds a licence to drive the vehicle or is not disqualified from holding or obtaining a licence (subject to the terms and conditions of the policy).
• What is a no-claims bonus?
  A no-claims bonus is a discount to reduce your premium in recognition of the years as a policyholder you have been claims free.
• What is an introductory no claims discount?
  An introductory no-claims discount is an amount allowed to reduce your premium in recognition of the number of years of consecutive claims free driving as a named driver on another person's policy.
• What is a protected no claims bonus?
  If you pay extra to protect your no-claims bonus, you may have one claim in any period of insurance without affecting your no-claims bonus.
• Does my policy include breakdown cover?
  Yes, your policy includes QUINN-direct Assist cover. This entitles you to roadside assistance and if your car cannot be repaired at the roadside, we will take your vehicle to the nearest garage. We offer a message service to let family and friends know what has happened. If your car cannot be repaired at the scene, we will provide either:

  • Transport for you to complete your journey; or
  • A replacement car for up to 48 hours; or
  • One night's B&B accommodation, while repairs are completed.

  The cover applies to vehicles up to 15 years old.
  Please refer to your policy documentation for full terms and conditions.
• What should I do if I need to use my Breakdown Assistance?
  You need to call the 24-hour breakdown assisstance helpline on 0870 737 5550 or 0818 270 166 (from the Republic of Ireland). You will be asked for your policy reference number.
• Will all the contents of my vehicle be covered i.e. stereo, shopping etc?
  Contents or Personal possessions in your vehicle are not covered under our motor policy. Radio equipment is covered subject to the terms and conditions of the policy.
• Am I covered to drive other cars?
  Provided you have a full EU licence, most of our policies cover the policyholder to drive someone else's car for third party only cover. Other restrictions may apply, please refer to your policy documents to confirm if this extension applies.
• Is windscreen cover available?
  Windscreen cover is available for both comprehensive and third party fire & theft policies for a small charge. This provides cover for the windscreens or windows of your car up to £350. There is an excess of £60 (waived if the glass is repaired rather than replaced) and your no-claims bonus will NOT be affected.
• What should I do if I damage my windscreen?
  You need to call the 24-hour windscreen helpline on 0800 051 6708. You will be asked for your policy reference number.
• What happens if I'm involved in an accident?
  • You should notify the Police immediately
  • Note the insurance details of the Third Party involved.
  • Note the names, address and telephone numbers of any independent witnesses.
  • Do not admit liability
  • Contact our Claims Dept. on
    0845 351 1210 (UK)
    immediately or the next working day
• What is a policy excess?
  The first amount of any claim you must pay. We pay the balance.
• How much is the policy excess?
  The excess on a policy is £150. This amount is increased to £250 when the vehicle is driven by anyone under the age of 25.
• What happens if my car is written off?
  We will pay you the market value of the vehicle at the time of the accident but not more than the value specified in the Schedule of Insurance.
• What should I do if I want to make a change to my policy i.e. get another car?
  If you wish to make a change to your policy, please contact us on 0845 850 0845 (UK) or use our online service (MyQUINN-direct account).
• How do I know what my renewal premium will be?
  Your Renewal Notice is automatically issued approx. 30 days before your renewal date.
• What happens if I want to cancel my policy?
  You may cancel your policy at any time by notifying us and returning the certificate of insurance. You have the right to cancel your policy without penalty within 14 days, however you will be charged an administration fee of £35 and a fee for the time your policy was active. If you cancel after 14 days the above administration and time on risk fees still apply. If you are paying your premium under any instalment scheme or credit transaction, you will not receive a refund for any deposit or instalment you have already paid. If you cancel your policy after 14 days, you will not receive a refund for the optional legal cover.
• What are my rights of withdrawal?
  You have the right to withdraw from your motor insurance cover, within a 14-day period. If you wish to exercise this right, you can do this by giving notice of withdrawal in writing to our Customer Service Department and returning your Certificate of Insurance, within the deadline.
• How do I contact QUINN-direct?
  Phone 0845 850 0845 (NI)
  Address: 3 Lawnakilla Way, Carran Business Park, Enniskillen, Co. Fermanagh, BT74 4RZ.

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FAQs

• Can I pay by instalments?
  Yes, QUINN-direct offer flexible payment options including monthly direct debt payment
  Do I need a full licence?
  No. At QUINN-direct we provide cover for provisional licence holders as well as full licence holder
  What type of cover is available?
  We provide third party fire & theft cover and comprehensive cover for motor insurance
  What is a policy excess?
  The first amount of any claim you must pay. We pay the balance
  Can I buy online without a credit card?
  Yes, you can choose to pay via a debit card, laser card, cash or cheque.