MAKING A CLAIM

In the event of a claim or accident that may give rise to a claim, please contact Caoga Insurance and speak to a member of our team who will be able to assist and advise on the necessary steps to take to ensure the claim is processed as quickly and seamlessly as possible.

During office hours, please telephone us on 0818 850 850 and you will be put through to one of our experienced team members who will take the accident detail from you and assist in the claims process.

Out of office hours please email us on caoga@jfd.ie with full details of the incident and any photographs that you may have along with information of those involved, if any.  Contact numbers are provided for the relevant insurers below alongside their web addresses, providing further information about submitting a claim.

 

CAOGA WINDSCREEN CLAIMS

Please telephone 1800 310 310 and advise that you are insured with AIG Europe S.A.

 

INSURER CLAIMS CONTACT NUMBERS:

AIG Motor:  01 859 9700  https://www.aig.ie/existing-customers/claims

Zurich Household:  1890 208 408  https://www.zurich.ie/claims/

 

ARAG POLICY HOLDERS (Optional add on cover for motor policy holders)

CAOGA MOTOR PLUS BREAKDOWN ASSISTANCE: 0818 670 670

LEGAL ADVICE HELPLINE: 0818 670 747

PRIVACY NOTICE

1.  INTRODUCTION

This Privacy Notice covers the information practices of JF Dunne Insurances Limited. JF Dunne Insurances Limited is a member of the Howden Broking Group and is a Data Controller in its own right:

Data Controller J.F.Dunne Insurances Ltd

Registered Number 146126

Registered Address Embassy Office Park, Kill, Co Kildare

 We have appropriate safeguards in place, in accordance with our data protection obligations, for the protection of any Personal Data which we process. Our security controls are aligned to industry standards and good practice, providing a control environment that effectively manages risks to the confidentiality, integrity and availability of your information. Additionally, we ensure that our staff remain aware of our data protection obligations and are required to undertaken annual training and testing. We take the protection of your privacy and the confidentiality of your personal information (“Personal Data”) seriously. This Notice sets out how we meet our obligations regarding data protection and the rights of our customers, prospective customers, and former customers (“Data Subjects”) in respect of their Personal Data as defined under relevant data protection legislation (including the Data Protection Acts of 1998, 2003 and 2018 [“the DPA”], the General Data Protection Regulation effective from 25 May 2018 [“the Regulation”] and any subsequent data protection legislation).

The Regulation defines Personal Data as any information relating to an identified or identifiable natural person (a Data Subject); an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier, or by one or more factors specific to the physical, physiological, genetic, mental, economic, cultural, or social identity of that natural person.

JF Dunne Insurances Limited is committed not only to the letter of the law, but also to the spirit of the law and places high importance on the correct, lawful, and fair handling of all Personal Data, respecting the legal rights, privacy, and trust of all individuals with whom we deal.

This Privacy Notice should be read in conjunction with our Cookie Policy and the Terms and Conditions of Use of any of the JF Dunne Insurances Limited websites you access. Any information you provide about you, and, where applicable, others, within any website operated by JF Dunne Insurances Limited will be processed as set out in this Privacy Policy.

2. ASSESSING PRIVACY RISK

We have identified the Personal Data types that we process and the methods by which we process such Personal Data. We have assessed the inherent risk associated with each particular data type and process and have in place practices and controls to minimise the risks of loss or damage through accident, negligence or deliberate actions. As well as reviewing this internally we also consider the processing activities of those third parties with whom we share data in order to meet our obligations to customers, staff, insurers, and those individuals that we deal with in our day-to-day activities.

3. HOW WE WILL COLLECT INFORMATION ABOUT YOU

We will collect information from you, your agents or representatives, as well as information received from:

• insurers and their agents;
• your employer (where appropriate);
• generally available sources such as information about you in the public domain (for example information on directors held at Companies House), online and from third party data processors (provided that it is fair to do so); and
• searches that we undertake in relation to sanctions, money laundering, and credit checks.

This will include data that you input into our webpages, whether this is in relation to raising an enquiry with us, obtaining a quotation (even if this process is discontinued before being finished), or requesting documentation.

The information obtained could include; your name, contact details (including address and e-mail address, telephone number), date of birth, gender, marital status, financial details, details of occupants of your property, employment details and benefit coverage, and details of your visits to and usage of our website (please see our Cookie policy). We may also collect ‘special categories’ of Personal Data (such as health, ethnic or racial origin or trade union membership) and criminal convictions data about you, and information about your family including children. (A full list of special categories of Personal Data is set out in the Regulation).

We will process Personal Data for and only to the extent necessary for the specific purpose(s) outlined in this document.

4. HOW WE WILL USE YOUR INFORMATION FOR THE PROVISION OF OUR BROKING SERVICES

The Data Controllers shall ensure that all Personal Data processed is kept secure and protected against unauthorised or unlawful processing and against accidental loss, destruction or damage.

Your Personal Data will be used to enable us to fulfil our contractual obligations in relation to your insurance cover and the provision of any ancillary risk management services. Our processing of your Personal Data will include:

• assessing your circumstances and insurance needs;
• presenting such details to insurers for the purpose of obtaining quotations and placing cover;
• arranging premium finance arrangements;
• processing claims;
• undertaking checks to guard against fraud, money laundering, bribery and other illegal activities;
• handling complaints; and
• analysing data, identifying trends, and developing and improving our services to you, including passing your name and e-mail address to Feefo Holdings Limited for the purpose of inviting you to submit a review in respect of our service

To ensure that our processing of your data is lawful, such processing will only be undertaken if:

• it is necessary for the performance of a contract to which you are, or will be, a party; or
• you have given your consent; or
• you confirm that any personal information you give to us about another person is given with their informed consent
• processing is necessary for compliance with a legal obligation to which we are subject; or
• processing is necessary to protect your vital interests; or
• to perform a task carried out in the public interest or in the exercise of official authority vested in us; or
• processing is necessary for the purposes of the legitimate interests pursued by us or by a third party, except where such interests are overridden by your fundamental rights and freedoms which require protection of Personal Data, in particular where the Data Subject is a child.

We will process special category and criminal conviction data we collect about you for the performance of our contract with you, which is deemed to be necessary for reasons of substantial public interest. This allows us to quote for and provide you with insurance products and services, to process claims and renewals and to administer your policy.

Where Personal Data about you is obtained from publicly available sources, we will only use such data fairly, meaning for legitimate purposes as would be anticipated of (and reasonably expected as) the activities of an insurance broker, or employee benefits consultant as appropriate, and not further processed in a manner that is incompatible with those purposes.

5. SHARING YOUR DATA

JF Dunne Insurances Limited seeks to offer clients a wide range of insurance broking and employee benefit consulting services. The Data Controllers will therefore share Personal Data with each other in order to inform you of other similar contracts and services provided by our other group companies that we believe you may benefit from. We only share limited Personal Data to enable this, typically name, contact details and type of insurance / investment / pension contracts you have effected and its associated renewal date. We will not share special categories of Personal Data (as defined in the Regulation), criminal convictions data or children’s data between Howden group companies.

As a Data Controller, each entity is responsible for safeguarding your Personal Data. Where we have a specific Non-Disclosure Agreement in place with you, your data will only be shared with your explicit prior consent in accordance with its terms.

We may share your information with third parties only to the extent necessary to provide our services to you. These third parties may include:

• Your agent, adviser or employer
• Support companies for the delivery of the products and services we offer to you including but not limited to: insurers; other insurance brokers, loss adjusters and loss assessors; risk managers, administrators, incident management firms; professional advisors; premium finance companies; IT providers, internet service providers and mailing/fulfilment houses;
• Feefo to enable us to receive feedback on the services we have provided (their privacy notice can be found at: https://www.feefo.com/business/gb_en/privacy-policy
• Our regulators and supervisory authority e.g. the Central Bank of Ireland (CBI), the Data Protection Commissioner (DPC).
• Law enforcement, credit and identity check agencies for the prevention and detection of crime
• Revenue Commissioners, e.g. for the processing of tax relief on pension payments or the prevention of tax avoidance

We do not sell, rent or trade our mailing lists, phone numbers or email addresses.

6. MARKETING

Existing customers

JF Dunne Insurances Limited may contact you about relevant products and services offered JF Dunne Insurances Limited which may be of interest to you as part of your insurance and risk management strategy and also to provide news or information related to our business and the wider insurance market that we believe may be of interest to you in accordance with our legitimate interests.

Former or prospective customers

You may have provided Personal Data to us (including Personal Data provided for a quotation not taken up) or we may have obtained details about you from publicly available Personal Data. Furthermore, you may have effected a contract with us but you subsequently cease to have a relationship with us (for example by having no active policies with us). In these circumstances, we will retain this data for a period not exceeding 3 years from the date of our last contact or engagement and will use this data in order to contact you with regard to your insurances and to provide news or information related to our business and the wider insurance market that we believe may be of interest to you in accordance with our legitimate interests.

7. OPTING OUT OF MARKETING

We want to make it easy for you to make your own choices as to what information you receive from us and how we contact you. Therefore, whether you are an existing, former or prospective client we will always remind you of your right to opt out of future marketing related communications each time we send such correspondence to you. You can elect not to receive any marketing related communications from us at all, or request that you only receive certain types of communication.

PLEASE REFER TO SECTION 12 BELOW FOR DETAILS OF THE DIFFERENT WAYS YOU CAN CONTACT US.

8. MOTOR INSURANCE DATABASE

Where we have contracted with you for this service, we have outsourced this service to Motor Data Solutions (MDS) who may add Information relating to your motor insurance policies to the Government’s Motor Insurance Database (MID) managed by the Motor Insurers’ Bureau (MIB). MID and the data stored on it may be used by Insurers, the Police, DVLA/DVANI, the Insurance Fraud Bureau or other bodies permitted by law for purposes including, but not limited to:

• Electronic Vehicle Licensing;
• Continuous Insurance Enforcement;
• Law enforcement (prevention, detection, apprehension and or prosecution of offenders);
• Obtaining information if you are involved in a road traffic accident (either in the UK, the EEA or certain other territories).

Persons (including his or her appointed representatives) pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID.

9. DISCLOSURE OF YOUR PERSONAL INFORMATION

Where we use third parties to undertake functions on our behalf, as per examples provided in Section 5, above, we will only share relevant information with such third parties as is strictly necessary to enable them to perform those functions.

Information may also be supplied to our external auditors and professional regulatory bodies if required by them and to other parties if required or permitted by law.

It is our policy to retain documents and information about you, including insurances placed on your behalf, in electronic or paper format for a minimum of seven years or such longer period as appropriate having regard to when a claim or complaint may arise in connection with our processing of your information. The legal basis for this processing is that it is necessary to meet contractual, legal or regulatory obligations. After seven years, these may be destroyed or erased without notice to you. You should therefore retain all documentation issued to you.

10. YOUR RIGHTS

You have the right to:

• Know how we process your Personal Data;
• access the data we hold about you, which will be provided to you within one month of your request, and is free of charge unless we reasonably believe that your request is manifestly unfounded or excessive;
• have incomplete or inaccurate data rectified without undue delay;
• the deletion or removal of Personal Data where there is no compelling reason for us to continue to process it (where you object to JF Dunne Insurances Limited processing your Personal Data based on our legitimate interests, we shall cease such processing forthwith unless we have another lawful basis for such processing that overrides your interests, rights and freedoms; or the processing is necessary for the conduct of legal claims);
• restrict our processing of your Personal Data (although we will still be permitted to store it where we have a legitimate interest in doing so, for example to address future disputes, in which case access to such Personal Data will be restricted as appropriate);
• data portability (we will provide your data in a format that allows you to move, copy or transfer Personal Data easily from one IT environment to another in a safe and secure way, without hindrance to usability);
• object to our processing your data (this can be in relation to only certain types of processing if you wish, so that other types of processing necessary for the performance of our contractual obligations can continue) where we do so in connection with our legitimate interests, or in relation to our profiling your data or using it for marketing purposes.

If you would like to exercise any of your rights above you may do so by contacting us – PLEASE SEE SECTION 13 BELOW FOR CONTACT DETAILS.

11. TRANSFERRING PERSONAL DATA TO A COUNTRY OUTSIDE THE EEA

The Data Controllers may from time to time transfer (transfer includes making available remotely) Personal Data to countries outside of the EEA where this is necessary for us to provide our services to you. This will take place only if one or more of the following applies:

1. The transfer is to a country, territory, or one or more specific sectors in that country (or an international organisation), that the European Commission has determined ensures an adequate level of protection for Personal Data;
2. The transfer is to a country (or international organisation) which provides appropriate safeguards;
3. The transfer is made with the informed consent of the relevant Data Subject(s);
4. The transfer is necessary for the performance of a contract between the Data Subject and the Company (or for pre-contractual steps taken at the request of the Data Subject);
5. The transfer is necessary for important public interest reasons;
6. The transfer is necessary for the conduct of legal claims;
7. The transfer is necessary to protect the vital interests of the Data Subject or other individuals where the Data Subject is physically or legally unable to give their consent; or
8. The transfer is made from a register that, under UK or EU law, is intended to provide information to the public and which is open for access by the public in general or otherwise to those who are able to show a legitimate interest in accessing the register.

12. HOW TO MAKE A COMPLAINT

We will always strive to collect, use and safeguard your personal information in line with data protection laws. If you believe we have not handled your information as set out in this Privacy Notice, or that we have processed your personal information in a manner that is not consistent with your rights, please contact us and we will do our utmost to make things right.

PLEASE REFER TO SECTION 13 BELOW FOR CONTACT DETAILS

If you are still unhappy, you can complain to the Data Protection Commissioner’s Office. Their contact details are:

Data Protection Commissioner, Canal House, Station Road, Portarlington, Co. Laois
Telephone : 057 868 48000
Lo Call Number : 1890 252 231
Email : info@dataprotection.ie

13. HOW TO CONTACT US

If you need to contact us relating to any matter associated with this Privacy Notice, our contact details are listed below:

Telephone : +353 045 878500
Email :  insure@jfd.ie

Post : J.F.Dunne Insurances Limited Embassy Office Park, Kill, Co. Kildare

Alternatively, if you are an existing client of J.F.Dunne Insurances Limited, please feel free to contact your usual advisor directly.

TERMS OF BUSINESS

These terms of business set out the basis on which J.F.Dunne Insurances Ltd will provide business services to you as a client of the firm. They also contain details of our regulatory and statutory obligations and the respective duties of both the firm and you in relation to such services.  J.F.Dunne Insurances Ltd is regulated by the Central Bank of Ireland and is a member of Brokers Ireland.

 

Authorised Status

J.F. Dunne Insurances Ltd is registered as an insurance/reinsurance intermediary under the European Union (Insurance Distribution) Regulations 2018 (as amended).  JF Dunne Insurances Ltd is also registered with the Competition and Consumer Protection Commission to act as a Credit Intermediary.  Copies of our various authorisations are available on request.

 

Statutory Codes

J.F. Dunne Insurances Ltd is subject to the following Codes of conduct issued by the Central Bank of Ireland.  These codes offer protection to our clients and all of the Codes can be found on the Central Bank’s website www.centralbank.ie:  Consumer Protection Code 2012 (as amended), Minimum Competency Code & Regulations 2017, Fitness & Probity Standards 2014

 

Services Provided

We will identify and select a suitable product producer and on receipt of your instructions we will transmit orders on your behalf to one or more product producers.  We will offer advice on a fair analysis basis in relation to commercial combined, liability and personal lines insurance policies. “Fair analysis of the market” means that our firm provides its commercial combined, liability and personal lines insurance policies on the basis of a sufficiently large number of contracts and product producers available on the market to enable our firm to make a recommendation, in accordance with professional criteria, regarding which contract would be adequate to meet our clients consumer’s needs.  Health Insurance is offered on a tied agency basis with Irish Life Health dac.  Our scheme businesses are provided on a limited analysis of the market basis, underwritten by a single insurer:

       Caoga Motor currently placed with AIG Europe S.A.

       Caoga Household currently placed with Zurich Insurance plc

       J.F.Dunne Insurances Bus & Coach Programme currently placed with AIG Europe S.A.

       Pupil Protector Personal Accident policy currently placed with AIG Europe S.A.

As a Credit Intermediary, J.F.Dunne Insurances Ltd can arrange personal loans e.g. premium finance

 

Disclosure of Information

 

It is your responsibility to answer honestly and reasonably in providing information requested by and for Insurers when arranging an insurance policy and/or where a Statement of Fact is completed on your behalf.  A Statement of Fact is a precise record of the answers you provide us when applying for insurance cover.  Please note that failure to provide information honestly and with reasonable care may result in your policy being cancelled or your insurer may refuse to deal with any claims or reduce the amount of a claim payment.

 

Consumer Correspondence

It is the policy of J.F.Dunne Insurances Ltd to record all inbound and outbound calls from our offices at all times for Regulatory, Training and Quality Assurance purposes.

 

Remuneration and Fees

J.F.Dunne Insurances Ltd is remunerated by commission from a product producer for the work involved in placing an order and finalising the product with them on your behalf (details of commission arrangements are available on our website at https://www.jfd.ie/about/commission-statement) and by way of a fee for the activity and time spent in seeking the best terms, premium, advice, and product for your specific needs at quotation and renewal stages of the policy.  Our fees, applied to the insurance premium, do not exceed 35%.  A portion of our fees on our Bus and Coach product are used to support the representative body, the Federation of Transport Operators.  An administration fee (up to €50) is also charged for activity involved on the policy including any alterations that take place during the policy term and at termination of a policy.  €20 will be charged for all duplicate documentation.

For insurance advice and services from J.F.Dunne Insurances, outside of policies held or to be taken out with us, a flat charge of €95 per hour is charged.  We reserve the right to charge a higher rate in the event that the complexity of the service requires increased resources allocated. We will confirm and agree this fee with you prior to any increased charge being applied.

 

Premium Handling

J.F.Dunne Insurances Ltd will accept payments in cash, by cheque and by credit/debit card in respect of all classes of insurance in the circumstances permitted by Regulation 21(3) IDR with respect to risk transfer under the European Union (Insurance Distribution) Regulations 2018 as amended. J.F.Dunne Insurances Ltd is not authorised to accept cash or negotiable instruments in any other circumstances.  Premiums are due on or before renewal / inception date.  Under the Central Bank legislation very strict rules apply in the payment of premiums to Insurance companies. We will not be able to pay premiums to insurers which have not been received from clients. Therefore, to avoid policy cancellation, premiums must be paid strictly within the credit terms, if agreed, otherwise immediately prior to cover incepting.

Finance is available for the payment of insurance premia.  This facility allows the insured to spread the cost of insurance premia over a number of instalments.  All charges/fees in relation to this facility are provided when placing loan.  Loans are payable by Direct Debit.  In the event that a Direct Debit is returned unpaid the finance house will issue a letter of advice.  It is important to deal with arrears in an efficient and effective manner.  J F Dunne Insurances, if required, will assist you in this process.  Early settlement of arrears will avoid cancellation of loan facility and guarantee continuation of cover on Insurance Policies.

In the event you require further arrears payment advice/guidelines please check out the Money Advise and Budgeting Service (MABS).

 

Return Premiums

In the event of cancellation, mid-term alteration or other policy adjustment, any rebate due back from the insurance company will be refunded to our client in full within 5 days of the rebate becoming available to us.  No rebate will be due on a cancelled policy or deleted vehicle where a claim has occurred in that policy year.  The Benefits section of the Bus & Coach Policy does not attract any refund in the event of suspension, up to 60% of the pro rata benefit is refundable in the event of cancellation. There is no refund given on Fees or on the Car Breakdown Recovery Service.

 

Failure to pay or default

We reserve the right to instigate cancellation proceedings in the event of the following:

• your non-payment of the premium due at inception, renewal or following a mid-term adjustment

• your bank returns your cheque due to insufficient funds or any other reason

• non-disclosure of relevant information

• Insurer imposed cancellation

Your insurer may cancel your policy in certain circumstances. These conditions are clearly outlined on all policy documents.  When your policy ends or is cancelled, we will send you any documentation and information that you are entitled to on request.

 

Cancellation / Cooling Off Period

A consumer (as defined by SI No. 853 of 2004) has the right to withdraw from a distance contract within 14 days of the start date of the contract without penalty and without giving any reason – this is known as the Cooling Off period. The right of withdrawal may be exercised by notice in writing to J.F.Dunne Insurances Ltd, quoting your policy number. Should this right be exercised the Insurance Company may charge a pro rata premium for the period you are on cover. If the cover is motor insurance the premium cannot be refunded until the Certificate of Insurance and Windscreen Disc have been received by J.F.Dunne Insurances Ltd.

You, the customer can cancel your policy by notice in writing at any time. Provided that all reasonable charges pertaining to costs incurred by J.F.Dunne Insurances Ltd have been paid and provided that no incident giving rise to a claim has occurred in the current period of insurance, you will be entitled to a proportionate return of the premium for the un-expired period of insurance unless the policy is on a minimum and deposit basis, and if this is the case, no return will be allowed on the policy and this will be noted on your policy schedule. If you cancel during the first year (outside of the Cooling Off period) short term rates apply, please see policy terms and conditions. In the case of cancellation of motor insurance you must return the Certificate of Insurance and Windscreen Disc to J.F.Dunne Insurances Ltd. Insurance companies normally reserve the right to cancel policies at any time by giving appropriate notice to your last known address. Please refer to your policy terms and conditions.

 

Conflict of Interests

It is the policy of J.F.Dunne Insurances Ltd to avoid any conflict of interest when providing business services to its clients. However, where an unavoidable conflict may arise we will advise you of this before proceeding to provide any business service. If you have not been advised of any such conflict you are entitled to assume that none arises.

 
Complaints Procedure

The company has a written procedure in place for the effective consideration and handling of complaints. Any complaints should be addressed in writing to the Complaints Manager, J.F.Dunne Insurances Ltd.  Each complaint will be acknowledged by us within 5 working days of receipt, updates will be advised in intervals of not more than 20 working days ,we will endeavour to resolve the complaint within 40 business days and findings will be furnished to you within 5 working days of completion of the investigation. In the event that you are not entirely satisfied with the firms handling of and response to your complaint, you have the right to complain to the Financial Services and Pensions Ombudsman, Lincoln House, Lincoln Place, Dublin 2, D02 VH29

 

Data Protection

The firm complies with the requirements of the General Data Protection Regulation 2018 and the Irish Data Protection Act 2018.  The data which you provide to us will be held on a computer database and paper files for the purpose of arranging transactions on your behalf.  The data will be processed only in ways compatible with the purposes for which it was given and as outlined in our Privacy Notice which is given to all clients at the time of data collection, our privacy notice is also available on our website.  You have the right at any time to request a copy of any ‘personal data’ within the meaning of the GDPR that our office holds about you and to have any inaccuracies in that information corrected.  Please contact us at dataprotection@jfd.ie if you have any concerns about your personal data.`

 

Investor Compensation

Investor Compensation Company Ltd (ICCL) Scheme

J.F.Dunne Insurances Ltd is a member of the Investor Compensation Company Ltd (ICCL) Scheme established under the Investor Compensation Act, 1998. The legislation provided for the establishment of a compensation scheme and to the payment in certain circumstances, of compensation to certain clients of firms (known as eligible investors) covered by the Act. However, you should be aware that a right to compensation would only arise where client money or investment instruments held by this company on your behalf cannot be returned, either for the time being or for the foreseeable future, and where the client falls within the definition of eligible investor as contained in the Act. In the event that a right to compensation is established, the amount payable is the lesser of 90% of the client’s loss, which is recognised as being eligible for compensation, or €20,000.

 

Irish Brokers Association (IBA) Compensation Fund Ltd

As a member of Brokers Ireland, J.F.Dunne Insurances Ltd is also a member of the IBA Compensation Fund Ltd. Subject to the rules of the scheme the liabilities of its member firms up to a maximum of €100,000 per client (€250,000 in aggregate) may be discharged by the Fund on its behalf if the member firm is unable to do so, where the above detailed ICCL (established by law) has failed to adequately compensate any client of the member.

Download the J.F. Dunne Insurances Terms of Business in PDF format.

Note: In order to read & print PDF files, you need a copy of the free Adobe Reader software. If you don't have it you can download it here.

COMPLAINTS PROCESS

Our commitment to you

It is always our intention to provide you with the highest quality service. However, we appreciate that occasionally things can go wrong and, when they do, there are four things that matter:

• You know who to complain to;
• You know how your complaint will be dealt with;
• You feel confident that we will take your complaint seriously; and
• where appropriate, we will put things right quickly.

Who to complain to

Please address your complaint, and any subsequent queries you may have in connection with the complaint, to Complaints Officer.

Contact details are as follows:

Complaints Manager

Caoga insurance

Parliament House

Embassy Office Park

Kill Village

Co Kildare

W91 X461

045 878500

Email: caoga@jfd.ie

Your complaint will be acknowledged, in writing, within 5 (five) business days of the complaint being made. You will also be informed of the name of one or more individuals that will be your point of contact regarding your complaint until the complaint is resolved or cannot be progressed any further. You will be provided with an update on the progress of the investigation of your complaint, in writing, within 20 (twenty) business days of the complaint being made.

A decision on your complaint will be provided to you, in writing, within 40 (forty) business days of the complaint being made. Should you remain dissatisfied with the final response or if you have not received a final response within 40 (forty) business days of the complaint being made, you may be eligible to refer your complaint to the Financial Services and Pensions Ombudsman (FSPO). The contact details are as follows:

Financial Services and Pensions Ombudsman
Lincoln House
Lincoln Place
Dublin 2
D02 VH29
Republic of Ireland

Telephone:   +353 1 567 7000

E-mail:          info@fspo.ie

Website:       www.fspo.ie

If you are domiciled outside Republic of Ireland, you should refer to your policy documents for relevant Ombudsman details.

REGULATORY INFORMATION

J.F.Dunne Insurances Ltd is regulated by the Central Bank of Ireland.  J.F.Dunne Insurances Ltd is part of the Aston Lark Group

Authorised Status: J.F. Dunne Insurances Ltd is registered as an insurance/reinsurance intermediary under the European Union (Insurance Distribution) Regulations 2018 (as amended).  JF Dunne Insurances Ltd is also registered with the Competition and Consumer Protection Commission to act as a Credit Intermediary.  Copies of our various authorisations are available on request.

Statutory Codes: J.F. Dunne Insurances Ltd is subject to the following Codes of conduct issued by the Central Bank of Ireland.  These codes offer protection to our clients and all of the Codes can be found on the Central Bank’s website www.centralbank.ie:  Consumer Protection Code 2012 (as amended), Minimum Competency Code & Regulations 2017, Fitness & Probity Standards 2014

Data Protection: The firm complies with the requirements of the General Data Protection Regulation 2018 and the Irish Data Protection Act 2018.  The data which you provide to us will be held on a computer database and paper files for the purpose of arranging transactions on your behalf.  The data will be processed only in ways compatible with the purposes for which it was given and as outlined in our Privacy Notice which is given to all clients at the time of data collection, our privacy notice is also available on our website.  You have the right at any time to request a copy of any ‘personal data’ within the meaning of the GDPR that our office holds about you and to have any inaccuracies in that information corrected.  Please contact us at dataprotection@jfd.ie if you have any concerns about your personal data.

Schedule of Fees:  J.F.Dunne Insurances Ltd is remunerated by commission from a product producer for the work involved in placing an order and finalising the product with them on your behalf (details of commission arrangements are available on our website at https://www.jfd.ie/about/commission-statement) and by way of a fee for the activity and time spent in seeking the best terms, premium, advice, and product for your specific needs at quotation and renewal stages of the policy.  Our fees, applied to the insurance premium, do not exceed 35%.  A portion of our fees on our Bus and Coach product are used to support the representative body, the Federation of Transport Operators.  An administration fee (up to €50) is also charged for activity involved on the policy including any alterations that take place during the policy term and at termination of a policy.  €20 will be charged for all duplicate documentation.

For insurance advice and services from J.F.Dunne Insurances, outside of policies held or to be taken out with us, a flat charge of €95 per hour is charged.  We reserve the right to charge a higher rate in the event that the complexity of the service requires increased resources allocated. We will confirm and agree this fee with you prior to any increased charge being applied.  Our schedule of fees is available here

 

Agency Listing: (J.F.Dunne Insurances Ltd)

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• O’Brien Finaly Insurance Associates Ltd
• O’Driscoll O’Neill Ltd
• Optis Insurances Ltd
• Shield Insurance Markets
• Willis Risk Services (Ireland) Ltd