Quinn Direct - Adding Drivers

-westy- · 28 Sep 2006 at 15:59

I've just called Quinn Direct to enquire about adding my girlfriend onto my insurance.

I'm 20, with 1 NCB (driving for nearly 3 years) and paying £689 a year TPFT on a 1.6 205 GTi.

She's 17, been driving since April.

The extra cost to add her? Nothing.

I asked why, and they told me that my girlfriend was a much lower risk driver than myself, even thought she'd been driving for much less time than I have!

Anyone else found anything similar?

Scuzi · 28 Sep 2006 at 16:03

Quinn did the same for me. I called them to add my dad for a day. They said "Why don't you just add him to the policy until the end, it won't cost you anything". That was nice of them.
I don't know about other insurers but the explanation I got was that the price is based entirely upon the highest risk driver, I could have the rest of the family on my insurance for free as long as they were all lower risk drivers.

I wish they had been cheaper than Churchill this time around. The DOC cover is dead handy as well, including the free trailer cover which was really handy when I was at home too.

paradigm · 28 Sep 2006 at 16:09

-westy- said:
I've just called Quinn Direct to enquire about adding my girlfriend onto my insurance.

I'm 20, with 1 NCB (driving for nearly 3 years) and paying £689 a year TPFT on a 1.6 205 GTi.

She's 17, been driving since April.

The extra cost to add her? Nothing.

I asked why, and they told me that my girlfriend was a much lower risk driver than myself, even thought she'd been driving for much less time than I have!

Anyone else found anything similar?

I have a random female friend on my insurance at the moment (20), as she brought my quote down from £700 to £600.

ajgoodfellow · 28 Sep 2006 at 16:13

I have my Mum as a named second driver on my insurance policy as it dropped the price by a few hundred pounds!

Diesel · 28 Sep 2006 at 16:16

People have told me to do this before, but its never seemed to work for me. Both my 50 year old father (silly number of years NCB) and my 24 year old GF (3yrs NCB) put the premium up somewhat.

Confused · 28 Sep 2006 at 16:17

It only works with certain insurance companies.

The Admiral group (Admiral, Bell, Diamond, Elephant) are one that it does work for.

ci_newman · 28 Sep 2006 at 17:42

ConfusedTA said:
It only works with certain insurance companies.

The Admiral group (Admiral, Bell, Diamond, Elephant) are one that it does work for.

As it does for Direct Line too. Adding my gf took nearly £200 off of my ZX quote a year ago

I suppose it might depend on the car too *wonders if there are any cars where women are a higher insurance risk*

Diesel · 28 Sep 2006 at 17:53

ci_newman said:
As it does for Direct Line too. Adding my gf took nearly £200 off of my ZX quote a year ago I suppose it might depend on the car too *wonders if there are any cars where women are a higher insurance risk*

See I'm with Direct Line. Think it might be worth a phone call to find out. Hmmmmm. :confused:

Jonners · 28 Sep 2006 at 18:08

Quinn didn't reduce my policy adding my Dad either, he has well over 14 ncb's..

Do Quinn offer DOC cover to all policy holders that are fully comp?

-westy- · 28 Sep 2006 at 18:09

Tupac said:
Quinn didn't reduce my policy adding my Dad either, he has well over 14 ncb's..

Do Quinn offer DOC cover to all policy holders that are fully comp?

I've got it and i'm TPFT.

Jonners · 28 Sep 2006 at 18:11

I guess it's safe to say I have it then...? Being fully comp..

Scuzi · 28 Sep 2006 at 18:12

Tupac said:
Quinn didn't reduce my policy adding my Dad either, he has well over 14 ncb's..

Do Quinn offer DOC cover to all policy holders that are fully comp?

AFAIK you need to be fully comp, be over 18 and have at least 1 years NCB to qualify for DOC cover. That's what it was when I was with them but that was 3 years ago. It would be worth checking with them.

Tupac said:
I guess it's safe to say I have it then...? Being fully comp..

Read your policy schedule. It will say. Don't drive another car without checking.

-westy- · 28 Sep 2006 at 18:12

Tupac said:
I guess it's safe to say I have it then...? Being fully comp..

Check your policy documents

Jonners · 28 Sep 2006 at 18:14

Cover Details
Type of Cover: Comprehensive
Type of Use: Social, Domestic & Pleasure
Driver Entitlement: Named Driver Only
Compulsory Excess: £135

Is it any of them?

Scuzi · 28 Sep 2006 at 18:16

Tupac said:
Cover Details
Type of Cover: Comprehensive
Type of Use: Social, Domestic & Pleasure
Driver Entitlement: Named Driver Only
Compulsory Excess: £135

Is it any of them?

No. Read your policy document. It will say somewhere on it. Mine said something along the lines of, "Subject to the terms of the policy, the policy holder is covered to drive any other private motor vehicle provided he/she has the permission of the owner".

-westy- · 28 Sep 2006 at 18:24

Scuzi said:
No. Read your policy document. It will say somewhere on it. Mine said something along the lines of, "Subject to the terms of the policy, the policy holder is covered to drive any other private motor vehicle provided he/she has the permission of the owner".

Yep, thats what mine says

Adam_151 · 29 Sep 2006 at 06:44

I have that as well, Scuzi (need to confirm some of the terms in the policy booklet with them first, just the wording of a few - probably being paranoid, but best be safe)

I've got a tpft policy with them, and I'm not quite 20 yet, not quite got a years experience and no ncb atm, so I reckon they really do give it to everyone!