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Who is QUINN-direct?
QUINN-direct is part of the highly diversified Quinn Group of companies and is a wholly owned insurance company. We have been in operation since 1996 and have over 250,000 clients throughout Ireland and the United Kingdom. Our head office is at Dublin Road, Cavan, Ireland and we have several support offices in Ireland and the United Kingdom.
- The Q Centre, Blanchardstown Retail Park, Dublin 15
- 9 Lower O’Connell Street, Dublin 1
- Tempo Road, Enniskillen, Co Fermanagh, BT74 4RL
- The Alexandra, 200-220 The Quays, Salford, Manchester, M50 3SP
VAT registration number IE 8240768 C.
Who regulates us?
QUINN-direct Insurance Limited is regulated by the Irish Financial Regulator (Registered no. 240768) www.ifsra.ie under Irish and European Law. We are regulated by the Financial Services Authority for the conduct of UK business. The Company holds European Economic Area Authorised Status with the Financial Services Authority (UK) under Firm Reference Number: 202942 www.fsa.gov.uk.
Consumer Protection
QUINN-direct are also members of the following:
The Irish Insurance Federation www.iif.ie
The Financial Ombudsman Service www.financial-ombudsman.org.uk
The Financial Services Compensation Fund www.fscs.org.uk
The Association of British Insurers www.abi.org.uk
Whose products do we offer?
We only offer QUINN-direct products and services. Any products purchased directly do not contain any brokerage or intermediary fees.
All insurance premiums are inclusive of the relevant Government Levy (2% in Ireland) and Insurance Premium Tax (5% in the United Kingdom).
All insurance quotations unless specified are for the contract duration of 12 months and guaranteed for 40 days. When your insurance policy is due for renewal we will notify approximately 30 calendar days in advance.
Choice of Law
We can both choose the law which will apply to the contract. Unless we agree otherwise with you Irish law will apply to Republic of Ireland policies and English law will apply to UK policies.
Disputes
Any dispute between you and us may be referred, within nine calendar months of the dispute arising, to an arbitrator we both agree to. If we cannot agree, the president of a relevant national law society will appoint an arbitrator.
Complaints Procedure
QUINN-direct Insurance is committed to providing all our customers with a high standard of service at all times. We realise that things can go wrong and there may be occasions where you feel our service has let you down. As a valued customer you have the right to complain.
1 In the first instance, please contact our staff directly to see if we can resolve any concerns you may have. Phone: 1850 77 1850 from ROI or 0845 850 0845 from the UK.
2 If you are unhappy with our response you can address your concerns in writing to our Customer Service Manager at:
QUINN-direct Insurance
Dublin Road
Cavan
Co Cavan
or email feedback@quinn-insurance.com
or at
QUINN-direct InsuranceCarran Business Park
Enniskillen
Northern Ireland
BT74 4RZ
or email feedback@quinn-insurance.com
3 On receipt of your complaint it will be acknowledged with a phone call.
4 Our staff will attempt to resolve your complaint immediately. If this is not possible, we promise to acknowledge your complaint within 1 week of receipt. In the unlikely event that your complaint has not been resolved within 4 weeks of its receipt, we will write and let you know the reasons why and the further action we will take.
5 If your complaint is not resolved to your satisfaction or if we haven't provided you with a decision after 8 weeks, you have the right to refer your complaint to the Financial Services Ombudsman's Bureau at:ROI policies:
Financial Services Ombudsman's Bureau, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2.
(Phone: 1890 88 20 90)
UK policies:
Financial Ombudsman Service, South Quay plaza, 183 Marsh Wall, London E14 9SR. (Phone: 0845 080 1800)
We value feedback and welcome it as an opportunity to build improved quality into everything that we do. We believe that your feedback will help us provide a better service.
Choice of Language
Your policy and all communications between you and us will be in English
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Frequently Asked Questions
Who is QUINN-life?
QUINN-life is a wholly owned Life and Pensions subsidiary of the Quinn Group. We have been in operation since 2000. Our head office is at Dublin Road, Cavan, Ireland and we have the following support offices in Ireland:
- The Q Centre, Blanchardstown Retail Park, Dublin 15
- 9 Lower O’Connell Street, Dublin 1
VAT registration number IE 8292374 V.
Who regulates us?
QUINN-life direct Limited is regulated by the Irish Financial Regulator (Registered no. 292374) www.ifsra.ie under Irish and European Law.
QUINN-life direct Limited are also members of the following:
The Irish Insurance Federation www.iif.ie
Choice of Law
We can both choose the law which will apply to the contract. Unless we agree otherwise with you Irish law will apply to Republic of Ireland policies and English law will apply to UK policies.
Terms of Business
The terms of business document sets out the basis on which QUINN-life Direct Ltd will provide services to its customers.
Head Office Contact Details:
| QUINN-life Direct Ltd | Low Call : | 1850 77 1851 |
| Dublin Rd | Fax : | 049 4360234 |
| Cavan | E-mail: | info@quinn-life.com |
| Ireland | Website : | www.quinn-life.com |
QUINN-life Direct Ltd is a subsidiary of Quinn Financial Services Holdings Ltd.
QUINN-life Direct Ltd is regulated by the Financial Regulator and is authorised to transact life assurance business. The company is a provider of savings, investment, pension and life products direct to the customer. Business is conducted on an 'Execution Only' basis. An ‘Execution Only’ transaction is where we will act purely on your instructions. No advice or opinion will be given.
Please note past performance is not an indicator of future performance. Depending on economic conditions, prices may fall as well as rise.
Charging structure
There is an annual administration charge on our funds as follows;
| Fund Name | Administration Charge |
|
| Year 1 – 15 | Year 16 onwards | |
| Euro Freeway | 1% | 0.5% |
| Celtic Freeway | 1% | 0.5% |
| Cash Freeway | 1% | 0.5% |
| Bond Freeway | 1% | 0.5% |
| UK Freeway | 1.2% | 0.7% |
| US Freeway | 1.2% | 0.7% |
| Biotech Freeway | 1.2% | 0.7% |
| Technology Freeway | 1.2% | 0.7% |
| China Freeway | 1.5% | 1.0% |
| Japan Freeway | 1.5% | 1.0% |
| Latin America Freeway | 1.5% | 1.0% |
| Emerging Markets Freeway | 1.5% | 1.0% |
There is a transaction charge of €3.81 per month for regular premium Term Life policies. There is an annual Pensions Board charge of €9.50 on occupational pension scheme policies. The customer is allowed two free switches per annum. There is a charge of €25 for each subsequent switch in the year.
Cooling-Off Period
We want you to be 100% satisfied with your decision to go ahead with your Freeway Investment plan. If you are not satisfied with your decision, you are entitled to cancel your policy by writing to us within 30 days from the date of receiving your policy schedule and returning your policy documents to us. We will then refund to you the premiums you have paid. If the value of your investment has fallen between the time you took out the policy and the time we receive your cancellation request, we may make a deduction from the amount payable to you.
Conflicts of interest
QUINN-life Direct Ltd wish to avoid instances of conflict of interest with its clients. If an unavoidable conflict of interest arises, we will write to you and outline the nature of the conflict before providing any business services to you.
Default by client
Failure to make premium payments in a timely manner may result in suspension or cancellation of your policy. In the event of default we will write to you advising that the amount is outstanding and due within ten days. If the amount remains unpaid, we will write again to request payment for two month’s instalments (the defaulted one and the one now due). If you default again, for unit-linked policies we will suspend the policy and sell any units not paid for on the 45th day after the first default and for level term life policies we will cancel the policy on the 45th day from first default.
Complaints procedure
We will do our best to resolve any complaints you have. We would recommend you register your complaint in writing to:
Customer Care Department
QUINN-life Direct Ltd
Dublin Rd
Cavan
We will acknowledge your complaint within two working days. The complaint will be fully investigated and we will respond to your complaint within a five working days from receipt.
If you are not satisfied with the way we handle your complaint, you can refer your complaint to the Financial Services Ombudsman’s Bureau. This does not affect your right to take legal action against us. You can get more information from:
The Office of the Financial Services Ombudsman's Bureau
3rd Floor,Lincoln House,
Lincoln Place,
Dublin 2
(Phone: 01 6620899)
Additional Contacts
| The Financial Regulator | The Irish Insurance Federation |
| P.O Box 9138 | 39 Molesworth St |
| College Green, Dublin | Dublin 2 |
| Ph: 01 410 4000 | Ph: 01 676 1914 |
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