I'm never going near Quinn Direct myself. Not sure if anyone has had any experience of dealing with them, but they're notorious when it comes to accidents.
I've had a number of people mention to me that if you are hit by anyone who is insured by QD to claim personal injuries straight away - they'll pay out before you've even finished making your claim.
More recently, I know of a colleague who, while insured by them, drove into the back of another car - very lightly tipped the car, causing minor damage to the bumper.
He decided to do this without getting QD involved, but when he queried the quote from the other driver, that driver contact QD who immediately informed my colleague that they'd pay the quoted amount (overstated as it was by about €200) and that my colleague could pay them (QD) off over the next year.
Very bizarre. And the reasoning of QD? Something along the lines of them not wanting to annoy the other driver so much that they'd want to submit a personal injuries claim against them.
Very very suspect as far as I'm concerned. And such behaviour by an insurer to pay up so quickly without regard to the actual legitimate costs or damage, has to be reasoning for their sometimes unrealistically high insurance premiums.