MAKING A CLAIM

MAKING A CLAIM

COMPLAINTS PROCESS

COMPLAINTS PROCESS

COOKIE POLICY

COOKIE POLICY

COMMISSION STATEMENT

COMMISSION STATEMENT

COMPANY PROFILE

COMPANY PROFILE

Who we are & what we do
REGULATORY INFORMATION

REGULATORY INFORMATION

Regulatory Information
TERMS OF BUSINESS

TERMS OF BUSINESS

What you need to know.

MAKING A CLAIM

In the event of a claim or accident that may give rise to a claim, please contact J.F.Dunne Insurances 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 045 87500 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 insure@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, which contain further information about submitting a claim.

 

PSV WINDSCREEN CLAIMS

REPLACEMENT or REPAIR:

Take a photo of damaged window, showing vehicle registration in the same picture

Please take a close up of damage in addition if not visible in first photo with some feature that allows us to still identify the vehicle, and email the photos to insure@jfd.ie with your name, policy number and date of breakage.

All notifications must be made within one month of damage occurring.
An authorisation will be emailed back to you at which point repairs/replacement can occur.

Once repair/replacement complete, send on the invoice, with authorisation code noted, and photo of repaired window showing vehicle registration in the same picture.
Please include the client name, policy number and authorisation code on the invoice.
All invoices must be submitted within one month of repair / replacement.

 

CAOGA WINDSCREEN CLAIMS

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

 

INSURER CLAIMS CONTACT NUMBERS:

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

Allianz:  01 613 3990  https://www.allianz.ie/

Aviva:  1800 448 888  https://www.aviva.ie/claims/

AXA:  1890 247 365  https://secureweb.axa.ie/ClaimExternal/ReportClaim/

RSA Home:  01 290 1000  https://www.rsagroup.ie/household-claims

RSA Motor:  01 290 1000  https://www.rsagroup.ie/make-claim

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

 

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:

J.F. Dunne Insurances Ltd

Embassy Office Park

Kill,

Co. Kildare.

Email: insure@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

The complaints handling arrangements above are without prejudice to your right to commence a legal action or an alternative dispute resolution proceeding in accordance with your contractual rights.

COOKIE POLICY

Cookies

This website uses “cookie” technology. A cookie is a small piece of data or a small text file stored by the browser on your computer, at the request of our server. We may use cookies to deliver content specific to your interests and to save your personal preferences so you do not have to re-enter them each time you connect to our website – our cookies are not available to other websites.  In particular cookies enable us:

  • to measure visitor traffic to our website and their usage patterns
  • to store information about your preferences, and so allow us to customise our website according to your individual interests
  • to speed up your searches
  • to recognise you when you return to our website.

The table below explains the cookies we use and why:

FIRST PARTY
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 Functional Cookies
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THIRD PARTY
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Most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.allaboutcookies.org.

To opt out of being tracked by Google Analytics across all websites visit http://tools.google.com/dlpage/gaoptout.

Disabling Cookies

You are always free to decline such cookies, if your browser permits, or to ask your browser to indicate when a cookie is being sent. You can also delete cookie files from your computer at your discretion. Please see links to the following websites for the procedures to follow to manage and delete cookies on your computer:

Google Analytics

This website uses Google Analytics, a web analytics service provided by Google, Inc. ("Google"), to gather statistics on our website. The statistics we gather help us to provide a better web service for the visitors. For more information on Google Analytics, please visit Google's website.

Google Analytics uses cookies to define user sessions, as well as to provide a number of key features in the Google Analytics reports. This means that the cookies are linked to our website domain(s), and we will only use that cookie data for statistical analysis related to your browsing behaviour on our websites. If you choose, you can opt out by turning off cookies in the preferences settings in your browser. You can opt-out from being tracked by Google Analytics by downloading and installing Google Analytics Opt-out Browser Add-on for your current web browser: Google Analytics Opt-out Browser Add-on

Links to external sites

Articles on our website may occasionally include some useful links to other third party sites that are not related to jfd.ie or maintained by J.F.Dunne Insurances Ltd. Please be aware that once you click to one of these sites, you are subject to that site's privacy policy and not to ours. You may wish to review the privacy policy for each site you visit.

 

 

 

 

COMMISSION STATEMENT

 J.F.Dunne Insurances Ltd act as intermediary (Broker) between you, the consumer, and the product provider with whom we place your business.

 

The Background

Pursuant to provision 4.58A of  the Central Bank of Ireland’s September 2019 Addendum to the Consumer Protection Code, all intermediaries, must make available in their public offices, or on their website if they have one, a summary of the details of all arrangements for any fee, commission, other reward or remuneration provided to the intermediary which it has agreed with its product producers. 

 

What is Remuneration?

Remuneration is the payment earned by the intermediary for work undertaken on behalf of both the provider and the consumer.   The amount of remuneration is generally directly related to the value of the products sold.

 

What is Commission?

Commission is payment that may be earned by an intermediary for work undertaken for both provider and consumer.

 

General Insurance Products

General insurance products, such as motor, home, travel, health, retail or liability insurance, are typically subject to a single or standard commission model, based on the amount of premium charged for the insurance product. 

 

Profit Share Arrangements

In some cases, the intermediary may be a party to a profit-share arrangement with a product provider and will earn additional commission.  Any business arranged with these product providers on a client’s behalf will be placed with the product provider because that product provider is at the time of placement, the most suitable to meet the client’s requirements, taking all the client’s relevant information, demands and needs into account.

 

Other Fees, Administrative Costs/ Non-Monetary Benefits

The firm may also be in receipt of other fees, administrative costs, or non-monetary benefits such as attendance at product provider seminars and assistance with advertising/branding

 

Click here to view our commision statement, the commission levels received from our insurance providers for their different products.

COMPANY PROFILE

JF Dunne Insurances Ltd, established in 1977, is one of Ireland's leading specialist insurance providers.

Our business includes a nationwide bus and coach programme, the first group motor scheme developed in Ireland. It is managed and underwritten at our offices in Co Kildare, and for over 40 years, is still placed with our original underwriting partner.

We also run an insurance scheme specifically created for the over 50 market, Caoga, for both private motor and household.  Catering to clients across the country, this programme is in operation since 1994.  The product is available online or through our customer service centre in Kill, Co Kildare.

We pride ourselves on our levels of personal service and strong relationship with our customer.  We have a very low staff turnover, and clients, when they contact us, get straight through to our professional service team, no pressing buttons on the phone to select the department you need to speak to.  Whomever you end up speaking to will be able to assist.

Specialties:

  • Bus, Coach, Minibus & SPSV Insurance
  • School, College & Pupil Insurance
  • Private Motor
  • Private Household
  • Health Insurance
  • Commercial Motor, Property & Liability
  • Shop / Pub / Restaurant / Take Aways

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

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:

Insurance Companies

  • A.I.G. Europe Ltd
  • Allianz plc
  • Aviva Health Insurance Ireland Ltd
  • Aviva Insurance Europe SE
  • AXA Insurance Ltd
  • DAS Legal Expenses Insurance Co Ltd
  • Ecclesiastical Insurance Group
  • HCC International Insurance Co plc
  • RSA Insurance Ireland Ltd
  • Travelers Insurance Co Ltd
  • Zurich Insurance plc

Broker Agencies

  • Aiken & Co (Insurances) Ltd
  • Alan B Kidd & Co Ltd
  • Aquabroker Ltd
  • ARB Underwriting Ltd
  • Benchmark Underwriting Ltd
  • BHP Insurances Ltd
  • Covercentre
  • Dolmen Insurance Brokers Ltd
  • First Ireland Risk Management Ltd
  • Frost Underwriting
  • Hooper Dolan Insurances Ltd
  • JLT Insurance Brokers Ireland Ltd
  • KennCo Underwriting
  • MacDonagh Boland Crotty MacRedmond Ltd
  • Nicholas Molloy Insurances Ltd
  • O’Brien Finaly Insurance Associates Ltd
  • O’Driscoll O’Neill Ltd
  • Optis Insurances Ltd
  • Shield Insurance Markets
  • Willis Risk Services (Ireland) Ltd

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.
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J.F.Dunne Insurances Ltd is regulated by the Central Bank of Ireland. J.F.Dunne Insurances Ltd is part of Howden.
JF Dunne Insurances Ltd is registered in Ireland no. 146126. Registered office: Embassy Office Park, Kill, Co. Kildare.
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