Insurancecomparison.ie - Terms of Business
(With effect from 18th of June 2020)
Insurancecomparison.ie is a specialist insurance service that can be used to enable you to obtain prices and select benefits across a range of products from a range of providers to meet your needs. There are a range of products offered which you may find of interest. The products we offer are regulated by the Central Bank or Ireland.
The results of any search are not based on any personal recommendation as to the suitability of the policy for your individual circumstances. It is important that you read the terms and conditions of the policy to ensure that the product meets your specific needs. You will find these terms and conditions in the more information page connected to the product you have chosen.
Duty of disclosure: Your responsibility
In order to get a quote through our website, you will need to answer a number of questions which are required by the underlying product providers to enable them to provide a quote. The answers you give will determine the cover you can be offered and the amount you will need to pay for the level of cover you receive. You must get permission from any other people whose details you propose to use in requesting a quote, before you provide us with any of their information. This applies to all information that you provide, but especially sensitive data like health information or criminal proceedings or convictions. In submitting any other person's details, you are confirming to us that you have their permission to do so, and that they understand how their information will be used.
It is your responsibility to ensure that all information you provide is true, accurate and complete and that you disclose all relevant and material facts. Failure to do so could lead to a product being unsuitable, claim being declined or product being terminated by the provider. We cannot be held responsible if as a result of your error in providing correct information, or from a failure to disclose all material facts to us or your selected provider that the product is unsuitable, a claim is declined or the product is terminated.
It is important that you read all of the information that is provided to you, including for insurance products the policy information and policy terms and conditions, and that you agree with them before you proceed to purchase a product. This information will vary by product provider so please ensure that you read the specific terms for the provider from whom you wish to purchase a product.
Once you have purchased a product, it is important that you read all documents issued to you by your selected provider and ensure that you are aware of any levels of cover, financial limits and any other terms that apply. If any information is not correct, it is your responsibility to identify the mistake and correct this with the provider directly.
Remuneration & Charges:
Accident & General receives commission from the sale of Insurance products. The maximum renumeration generated from Insurance sales is 20% of Gross Written Premium (minus IPT).
The Company accepts client premiums for lodgement to its Client Premium Account only in circumstances permitted under section 25(G) of the Investment Intermediaries Act 1995. The Company is not authorised to accept payments made in any other circumstances. The Company is a member of the Investor Compensation Scheme, in line with section 38(1) of the Investment Compensation Act 1998. This provides that compensation will be payable where money or investment owed or belonging to clients and held (or in the case of investment instruments) administered or managed by the Company cannot be returned to those clients for the time being and there is likelihood that the Company will be unable to do so. Where an entitlement of compensation is established, the compensation payable will be the lesser of (i) 90% of the amount of the client’s loss which is recognised for the purposes of the investor Compensation Act 1998 or (ii) compensation up to €20,000. The Company will issue a receipt for each payment received. This receipt is issued pursuant to Section 30 of the Investment Intermediaries Act 1995. Such receipts are issued for your protection and should be retained in a safe place by you. All insurances are effected pending receipt of the premium from the Insured. The Company reserves the right notwithstanding delivery of policy, certificate or receipt to the Insured to cancel the Policy, obtain a refund from Insurers and apply same to reduce the amount due by the Insured.
We aim at all times to provide a first class standard of service. However, there may be occasions when you feel we may have not achieved this. If we fall short of our own high standards then we want you to tell us! At Insurancecomparison.ie we take all complaints seriously and are committed to answering complaints from customers promptly. If you do have reason to complain we will aim to resolve your complaint within 24 hours. If we are not able to do so, we will advise you of the situation. Further to investigating your concerns, we will issue you with a final response within 8 weeks. Depending on the nature of your complaint and if you remain dissatisfied with our response, you may have the right to refer your case to the direct your complaint to the Financial Services and Pensions Ombudsman, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2. Low Call 1890 88 20 90. Our full complaints procedure is available on request.
If your complaint is regarding a provider that you have purchased a product through and with whom we put you in touch, then you should address your complaint direct to that company. Insurancecomparison.ie cannot accept liability for errors made by the selected provider or answer complaints on their behalf. In such an event we recommend you follow the guidelines provided in their Complaints Procedure.
Irish law and the Irish courts will have exclusive jurisdiction over any dispute.
Website terms & conditions:
This website has been designed for private individuals or businesses to source products on their own behalf. Therefore, if you are:
- A private individual wanting to use our website and comparison technology to find competitive prices for the products and services offered within the site on your own behalf and/or on behalf of a close family member; or
- Acting on behalf of a company wanting to use our website and comparison technology to find competitive prices for insurance on behalf of the company and;s
- Not involved in any way in searching for insurance products as a business on
- behalf of a third party and;
- You are permitted to use our website and comparison technology.
Companies change their prices on a regular basis. The price quoted to you will be accurate at the time of issue, and may change if your quote is resubmitted. Insurancecomparison.ie are unable to offer advice on particular insurance providers or the services that they offer. With your permission, we may refer you to a range of specialist insurance providers which may not be available on-line.
Our liability to you:
Please read the following information carefully as we include some limits and exclusions of our liability to you;
These terms do not exclude our liability to you in any way for: personal injury or death caused by our negligence; fraud or fraudulent statements made by one of our employees or agents, or for any matter for which it would be illegal for us to exclude or to attempt to exclude our liability.
In addition, we are only liable for losses which are a foreseeable consequence of us breaking this contract. Losses are foreseeable where they could be contemplated by you and us at the time your information is entered onto our website.
We will not be held responsible for any indirect losses which happen as a side effect of the main loss or damage which you suffer and which are not foreseeable by you and us at the time we enter into this contract, including, but not limited to: loss of income or revenue; loss of business; loss of data; loss of profits or contracts; loss of anticipated savings or waste of management or office time however arising, provided that this provision will not prevent you from bringing claims against us for loss of or damage to your physical property or any other claims for direct financial loss that are not excluded by any of the categories set out above. In no circumstance will we be responsible for any losses which arise in connection with an event or series of events which is/are outside of our reasonable control.
Website Third party links:
You can link to other websites by means of hyperlinks published on this website or emailed to you as part of our service. These websites are owned and operated by third parties. We accept no liability for any statements, information, products or services that are published on or may be accessible through third party website.
Amendments to our terms:
We reserve the right to amend our terms and conditions at any time. The amended terms will be effective from the date they are posted on our website.
We have taken every reasonable step to make sure the information contained in this website is accurate and up-to-date. However, we can accept no liability for any errors or omissions. We reserve the right to add, amend or delete information from this site at any time.
Whilst we take every reasonable step to counteract viruses and other things with contaminating or destructive properties, we can give no warranty that this site and its content are free from viruses or anything else that has such contaminating or destructive properties.
If at any time you would like to contact us, the details are available on our Contact Us page.
The material contained in this website is subject to copyright. Any private individual may print off a copy of any part of this material for their own personal use, subject to the following conditions:
- The material may not be used for any commercial purposes;
- The copy must retain any copyright or other intellectual property notices contained in the original material;
- The technology or processes utilised by or described in this website may be subject to other intellectual property rights ( please see the section headed "Intellectual Property Rights" below);
- Images on this website are protected by copyright and may not be reproduced or appropriated in any manner without the written permission of the copyright owner;
- No logos, trademarks or service marks appearing on the site may be printed off or copied, except as part of the text of which they form part.
Intellectual property rights:
Any logos, trademarks, service marks and domain names and all related intellectual property rights, of the companies whose sites we search in providing the service, belong to those companies, and you may not reproduce them without their prior written consent. With the exception of these intellectual property rights, all other intellectual property rights including, without limitation, all logos, trademarks, service marks, domain names, database rights, rights in design, rights in know-how, patents and rights in inventions (in all cases whether registered or unregistered and including all rights to apply for registration) and all other intellectual or industrial property rights in any jurisdiction in any information, content, materials, data or processes contained in or underlying this website and/or the service we provide are hereby reserved.
This website is not for commercial use, meaning it is only for personal use or for use by a business to seek a product directly for that business only. Unauthorised commercial or bulk use may slow down the speed of the service we can provide for our customers. We will monitor the use of our services. If we detect commercial or bulk usage before we have sent the results of our search, we may abort the search. In any event, we reserve the right to take action against those using our service in an unauthorised way, to prevent disruption of our service to genuine customers, and to recover any losses we suffer.