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We would therefore ask that you read it carefully and use the information provided in it, to decide if our services are right for you. If you do not wish to be bound by these terms, we would ask that you contact us before we proceed and arrange your insurance. We offer the following products only and we do not offer advice based on a general analysis of the market but only on the products available from our underwriters. Your home and motor insurance with Us is provided by AIG Europe Limited. AIG Europe Ltd is registered in Ireland under Company Number 906664.

The registered address is 30 North Wall Quay, IFSC, Dublin 1. AIG Europe Limited is authorised by the Prudential Regulation Authority of the United Kingdom, and is regulated by the Central Bank of Ireland for conduct of business rules. SuperValu Travel Insurance is operated by the underwriter Chubb European Group Ltd. Chubb European Group Limited trading as Chubb and Combined Insurance, is authorised & regulated by the Prudential Regulation Authority in the United Kingdom and is regulated by the Central Bank of Ireland for conduct of business rules. Chubb European Group Limited (company number 1112892) is registered in England and Wales with registered offices at 100 Leadenhall Street, London EC3A 3BP. We will provide you with a quotation for your chosen product or products, all relevant documentation and will administer your insurance. To enable us offer you a suitable policy, we will ask you a series of questions to enable us assess you need for insurance and to provide you with the most suitable product we can offer you.

Having established your requirements we will provide you with a quotation. If you are happy with the quotation and on receipt of your instruction to proceed we will transmit the order on your behalf to the relevant underwriter. We would like to draw your attention to the section herein entitled ‘ Duty of Disclosure’. We will provide you with a summary of the insurance you requested explaining all the main features and benefits of the insurance, important details of the cover, including any specific or unusual restrictions or exclusions, or any specific conditions that you must meet, and the period of cover, including the commencement date. We recommend that you read the information we provide you and contact us immediately if anything is unclear or causes you concern. Where we arrange cover over the phone we will inform you of all aspects of the contract in detail at that time. Premiums quoted are inclusive of a 3% Government Levy and also a 2% Insurance Compensation Fund Levy. Any other costs or fees which may apply will be explicitly detailed in your quotation and clearly explained to you before we provide you with the service. Our remuneration for arranging your insurance will be by way of commission, being a portion of the premium paid, which is allowed to us by the Product Producers for introducing the insurance to them. Details of the commission arrangements are available on request. In addition to commissions paid as outlined above, we may also receive additional income from the following sources: Interest earned on insurance monies passing through our client premium bank accounts; Profit commissions or profit shares paid by insurers on specific facilities and arrangements for a limited class of business. We will deal with you openly, fairly and honestly, and when requested to do so, we will disclose the amount of any additional income (or where that is not possible, a reasonable estimate of the additional income or its basis of calculation) from the above and any other sources that we may receive in relation to insurance we arrange. In accordance with the Consumer Protection Code 2012, any rebate due to a Consumer will be paid in accordance with the terms and conditions of the policy. Payment can be made by cheque, Direct Debit Mandate, Credit Card or Debit Card. All cheques should be made payable to the specific insurer who is underwriting your Policy. Premiums are due on or before inception of cover or renewal date. To avoid cancellation of your cover, please ensure you pay your premium within the due dates outlined in your policy documentation. The premium you will be quoted includes all statutory charges. Direct Debit payment options are available on home and motor new & renewal business, which include a service charge (see quotation for further details & equivalent APR). No Direct Debit options are available on Travel Policies. We are obliged to inform you that you have a legal duty to provide insurers of all information which is material to the risk being insured, whether unfavourable or otherwise to you, at the time of taking out the policy. Material facts would include any information that could influence a decision by an insurer on whether to accept a risk and if so, upon premium and terms. If such information is not disclosed by you, your insurer has the right to cancel your insurance from its commencement. If they exercise this right, any claims under your policy will not be met. This responsibility applies throughout the whole period you are insured.

We are also required to advise you that failure to make full disclosure of material facts may also cause difficulties for you in trying to purchase insurance elsewhere. In relation to home insurance, failure to have property insurance in place could lead to a breach of terms and conditions attached to any loan secured on your home. You may cancel the policy at any time by writing to us and if it relates to your motor insurance you must also return the certificate of insurance and insurance disc. 853 of 2004) has the right to withdraw from an insurance policy (as defined under SI No. 853 of 2004) within the first 14 days, without penalty and without giving any reason – this is known as the ‘Cooling Off’ period, we will refund your premium for any period of insurance remaining, less an administration fee. If you cancel your policy during the first year of insurance (outside of the Cooling Off period) short term rates may apply, please see policy terms and conditions . If your policy is cancelled after the first year, we will refund your premium for any remaining period of insurance (less administration costs).

minimum refund amount may apply as outlined in the insurers’ terms and conditions. We will only refund premiums as long as there has been no claim or loss during the current period of insurance.

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