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Frequently Asked Questions

• What are my contents covered for?
  Loss or damage as a result of an insured risk covered by the policy. Subject to the Terms and conditions of the policy your contents are covered for loss or damage arising from a number of risks including fire, flood and theft (see summary of cover for full details of how your contents are covered).
• Is my P.C. covered?
  Yes, up to a value of £1500 for any one item subject to the terms and conditions of the policy.
• How do I make a claim on my household policy?
  Contact our Claims Dept. on 0845 351 1210 (NI)
  - See Claims information
• Do you offer no claims discount on the policy?
  Yes, we offer up to 5 years No Claims Discount, providing you have held a claim free household policy in your own name.
• If I have items valued at more than £1500 what should I do?
  The Contents section of our policy only covers items up to a value of £1500 for any one article subject to the terms and conditions of the policy. If you have any item exceeding this value then you should list these items separately.
• How do I contact QUINN-direct?
  Phone on 0845 850 0845 (NI)
• How do I make changes to my policy after it has started such as adding a higher valued item?
  Contact our Customer Care Dept. on 0845 850 0845
• How do I know what my renewal premium will be?
  The Renewal Notice is automatically issued approx. 30 days before your renewal date.
• What are ‘valuables’?
  Valuables - jewellery, items of gold, silver or other precious metals, timepieces, photographic equipment, binoculars, works of art, antiques, furs, musical instruments, collections of stamps, coins or medals, TV, video, audio and computer equipment.
• Is this a ‘new for old’ policy?
  Yes the policy is a ‘new for old’ policy (apart from household linens and clothing where we will deduct an amount for wear and tear).
• I use my home for business, am I still covered?
  We do not cover homes used for business purposes other than paperwork, telephone calls and computer work. Contents owned by the business are not covered and no liability is covered in relation to the business.
• Why would I need extra pedal cycle cover?
  The Contents section of our policy extends to cover loss or damage, away from the property, to pedal cycles up to £200 subject to the terms and conditions of the policy. If your pedal cycle is valued more than this you will need to specify it.
• What is covered by accidental damage under my Home Contents Policy?
  Any loss or damage to the contents which is not covered by an insured risk and is not otherwise excluded in the policy (subject to the terms and conditions of the policy).
• What is covered by ‘Accidental Damage’ under my Home Buildings Policy?
  Any loss or damage to the building which is not cover by an insured risk and is not otherwise excluded in the policy (subject to the terms and conditions of the policy).
• What happens if I move house?
  You will have to cancel your existing policy and take out a new policy on your new home.
• What is the rebuild value of my house?
  If you are unsure of the rebuilding value of your house you should get an independent valuation from a builder, architect or surveyor.
• Can I cancel the policy at any time?
  You can cancel the policy at any time by notifying our Customer Care Dept.
• Who can be a joint policyholder?
  Anyone who has a joint mortgage with the policy holder.
• Who can I call in an emergency?
  If you have a home emergency you can call 0845 602 7746 (NI) anytime and we will put you in touch with a reputable tradesman (such as a plumber or electrician). You will have to pay any charges from the tradesman called out to help you. Please do not use this helpline to report and insurance claim. If you want to report an incident or claim, please contact the claims helpline on 0845 351 1210 (NI)

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FAQs

• Can I pay by instalments?
  Yes, QUINN-direct offer flexible payment options including monthly direct debit 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, cash or cheque.