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Quinn's woes may be costly for long-suffering motorists Belfast Telegraph

12.04.10

The administration of Quinn Insurance causes difficulties for many motorists because it has been both one of the largest and one of the cheapest car insurers in the Northern Ireland market.

Just how many motorists here are affected is unclear, as Quinn declined to state how many policies it has in Northern Ireland.

Soon after Quinn was placed into provisional administration, the insurer stopped writing new policies and stated it would not renew policies in Northern Ireland or elsewhere in the UK.

Whether that situation remains permanent is unclear. But it has been reported that much of its business in Northern Ireland is unprofitable, so even if it resumes operations here premiums may go up.

The possible loss of Quinn Direct from the market makes a bad situation worse for car owners here: the Consumer Council is concerned at the number of insurers who operate elsewhere in the UK, but not in Northern Ireland. It also worries that too many drivers renew policies without comparising premium costs.

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How to get cheap car insurance in Northern Ireland

If you are a resident of Northern Ireland and have in the past looked for car insurance online you have probably filled in many pages of your details before finally reaching the end only to be told that because you live in Northern Ireland the offer of cheap car insurance is not available. This was mainly due to the problems seen in the past when cars were stolen and set alight be become part of a burning barricade. Thankfully now times have changed for the better and it is possible to make some great savings and obtain cheap car insurance in Northern Ireland.

This means you no longer have to pay over the odds for the insurance and you are able to find out how to make savings by way of the information provided on specialist websites. First you have to decide what type of car insurance you want to apply for and you have the choice of third party fire and theft or fully comprehensive insurance. Fully comprehensive insurance would provide the most cover for your own vehicle and would be essential if you have a brand new car or a car over a certain amount. This policy also protects any third party if the accident should be your fault. However this is the dearest types of car insurance.

You could consider third party fire and theft if you have a cheaper second hand car or if your car is old. However you would have little cover for your own car except for damage caused by fire or cover in case your car was stolen. The third party would also have protection in case they were involved in an accident with you that is your fault. This type of car insurance is a great deal cheaper than fully comprehensive insurance.

Whichever form of car insurance in Northern Ireland you are looking for you would have to pay a certain amount of excess? The excess is what all insurance providers will include in with their insurance and this is the amount that you have to pay out if you should have to make a claim. While all providers will set a minimum amount of excess that you would need to pay, you could offer to pay out more. By doing so you would help to keep down the cost of the premiums but you would need to take into account that the excess would have to come out of your own pocket in the event that you had to make a claim.

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