I'm insured with Quinns also and have had friends who worked for them in the past - they will keep the rates low as they have a policy of not involving the legal people in a claim so they pay out quick if no legal or PI is involved. The down side is that you may be offerred less than your car is worth (and no windscreen cover) but the upside is you get the money quick and a low premium each year. For the record I believe Quinns made the most profit of any insurer in the UK last year - I believe it was £43 million compared to the average insurer of about £6 million due to keeping the greedy lawyers out of the mix.