Somebody drove into my mother's car recently. She had parked outside her local sorting office to pick up a piece of post the postman hadn't been able to deliver. A young driver got into the car which had been parked in front of hers and tried to drive off. Unfortunately, he accidentally put his car into reverse instead of first gear and backed into mum's car.
There were two witnesses, the passenger in mum's car who had been waiting for her to come out of the sorting office and a postman. When mum came out, the young man apologised sheepishly and admitted that he'd made a mistake - apparently he'd just changed cars and hadn't got used to the fact that the reverse gear on his new car was on next to first gear, the gears on his old car having been arranged differently.
Details were exchanged and it seemed like a fairly straightforward case - a fender bender with no injuries, no dispute over liability. Later that day, my mother was surprised by a visit from a representative of the young man's insurers, Quinn Direct. This individual tried to persuade her to authorise Quinn Direct, rather than mum's own insurers to deal with the claim.
Fortunately, mum had already contacted her own insurers and started the insurance ball rolling and didn't sign or commit to anything. I say "fortunately" because Quinn's record when it comes to "third party capture" (the practice of the insurers of the person who caused the accident doorstepping the not-at-fault party and trying to take over the running of the claim from the not-at-fault party's insurers) doesn't inspire confidence:
Kimberley Harrison suffered severe facial injuries when another car crashed head-on with hers in March 2008. She was surprised - and angry - to receive frequent calls from an agent of the other driver’s insurer the day after she left hospital.
“From the day I got home, the insurance company phoned me and were pressurising me not to take it any further - not to seek legal advice. I was really shocked.
“He was really forceful, like a bully - really trying to push me to close a deal,” she said.
Once she instructed lawyers, Kimberley said the insurance company in question, Quinn Direct, managed to get hold of her medical reports.
“They posed as someone working for my solicitor in order to obtain my medical records. I had no idea insurance companies would behave in that way.”
A whistleblower who used to work for Quinn Direct reinforced the impression of dodgy dealing:
Tommy Scott is a former claims handler for Quinn Direct. He told BBC Radio 4’s Money Box it was his job to “doorstep” third parties, often within hours of the accident. “My sole job was to capture those clients - to stop them getting independent legal advice, and try to settle direct in their living room,” he said.
Quinn Direct have denied the allegations:
It said its “pro-active” approach is “based on paying fair compensation” quickly, and that third parties “appreciate” the service.
The Association of British Insurers don't appear to think there's anything wrong with the practice:
“It is the right thing for insurers to be doing, rather than requiring claimants to drag them through the courts,” said Justin Jacobs, assistant director of motor insurance at the ABI.
Despite the denials by Quinn and the ABI's "nothing to see here, move along" statement, I wouldn't be happy to see a member of my family, involved in an accident that was somebody else's fault, handing control of the claim over to the insurers of the people who caused the accident. I called the guy from Quinn Direct and told him to refrain from any further contact with my mother, who is proceeding with the claim through her own insurers.
To play devil's advocate for a moment, there could be some general justification for letting the at-fault person's insurers take over the claim. If those insurers were selfless, kindly people, just trying to do the best for everybody involved they could, in principle, settle the claim more quickly and efficiently with lower legal costs without anybody involved - apart from the lawyers- being worse off. But that's a very big "if". And even if you assume that the people doing the doorstepping have the best of intentions, are they any good? My admittedly unscientific on-line research into what people say about Quinn Direct's claims service has turned up quite a few disgruntled comments. The most telling comment about the not-so-mighty Quinn compared them to the budget airline Ryanair - cheap and not very cheerful. Why would anyone want to have their claim handled by a company acting for the other party in their insurance claim, a company who don't even seem to have much of a reputation for handling their own claims well?
Doorstepping accident victims and trying to pressure them into handing over control of their claim sounds despicable. If Quinn Direct, the other insurers who do this and the ABI want to convince people that it really is OK, I suggest that they put their case to some independent bodies - say, the Citizen's Advice Bureau or
Which? magazine. If the CAB and
Which? look at the evidence and come out with press releases agreeing that you'd be best off signing over control of your insurance claim to the insurers of the guy who just ran into the back of you, then I might just reconsider. Before they get round to writing those press releases, I'll also be interested to hear their views on hell freezing over.
This is the Dornier Do X passenger flying boat which first flew in 1929. It could carry 100 passengers on short haul flights, or 66 long distance. It was cutting edge technology in its day, although even with 12 engines (six facing forwards and six behind in "pusher" configuration) it was underpowered and couldn't fly any higher than a puny 500 metres (1,650 feet). But it looked magnificent, a flying ocean liner in art deco silver. Only three were ever built - the great depression did a lot to end the career of this luxurious Flugschiff (flying ship). The last surviving example ended up in a museum in Berlin and was destroyed by an RAF air raid in 1943.
And here's the Handley Page HP42 airliner, first flown in 1930. Not such a cutting-edge design, its conservative biplane configuration was mocked by Anthony Fokker, who described it as an aeroplane with a built-in headwind (Fokker was a pioneer of cantilevered monoplane wings and his Fokker FVII trimotor monoplanes had been some of the most popular airliners of the 1920's). However, I think it had certain stately, if ungainly splendour and, by all accounts it was a reliable and well-liked aircraft. Eight were built, often based in Cairo to cover Imperial Airways' Indian and African routes. The service ended with the outbreak of war, when all operational HP42s were commandeered by the RAF. By the early 1940's all had been lost due either to accident, wear and tear or damage by gales.
