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Frequently Asked Questions

• What type of vehicles do you cover?
  We cover many types of commercial vehicle including: Goods Carrying Vehicles - vans, lorries, pick ups etc.
  Special Vehicles - diggers, cranes, bulldozers etc.
  Agricultural and Forestry vehicles - tractors etc.
  We do not quote for the following vehicles - break-down trucks , PSV vehicles (e.g. Mini-bus), ambulances, ice cream vans, chip vans, vans/jeeps with seats in rear excluding crew cabs, airport service vehicles used at airport or vehicles for carrying antiques/furniture removals.
  You can get an instant quote online for goods carrying vehicles up to 3.5t. For all other vehiclkes please contact us on 0845 850 0845 (UK).
  We also quote for cars under our motor insurance product, visit our car section to get a quote or call 0845 850 0845 (UK).
• Who can drive my vehicle?
  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?
  A bonus from QUINN-direct motor policy can be transferred onto a commercial vehicle policy as long as the gross vehicle weight is 2 tonne or less. It cannot be earned on agricultural vehicles.
  The bonus must be earned in Ireland or the UK. When incepting a commercial vehicle the inception date must not overlap with the current policy that the vehicle or the Policyholder is already insured on.
  Note: if you have no NCB and you have been a named driver on another policy you may be entitled to a discount. Please phone QUINN-direct for details.
• 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.
• What is policy excess?
  The first amount of any claim you must pay. We pay the balance.
• What happens if my vehicle 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 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 should I do if I want to make a change to my policy i.e. get another vehicle?
  If you wish to make a change to your policy, please contact us on 0800 857 8000 (UK)
• 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 writing to us and returning the certificate of insurance. When you cancel, you will be charged an administration fee of £40 and a charge for the time your policy was active. 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 following a claim there will be no refund of premium.
• How do I contact QUINN-direct?
  Phone: 0800 857 8000 (UK).
  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.

Van Insurance Information

• Policy Documents & Policy Facts
• Policy Summary
• Frequently Asked Questions
• Van Insurance Benefits