Car Insurance

Insurance Product Information Document

Company: Liberty Insurance Product: Motor Policy
Registered in Spain. Liberty Seguros, Compania de Seguros Y Reaseguros, S.A, trading as Liberty Insurance is authorised by the General Directorate of
Insurance and Pension Funds in Spain and is regulated by the Central Bank of Ireland for conduct of business rules. Authorisation number C33630.

This document provides a summary of the key information relating to our Private Motor Vehicle policy. Complete pre-contractual and
contractual information on the product you purchase is provided in the full policy documentation.

What is this type of insurance?

This is insurance for a private car. The type of cover we offer is below:
(a) Third party, fire and theft: This provides for damage/loss caused to your vehicle as a result of attempted theft, theft or fire. Cover
for third party property damage as a result of an insured loss is €30 million and unlimited cover for third party personal injury.
(b) Comprehensive Cover: This provides all of the above, along with cover for accidental damage to your vehicle.

What is insured? What is not insured?

Comprehensive: Any use of the vehicle for a purpose not stated on
the certificate of insurance
Accidental damage (the market value up to the
sum insured shown in your schedule) Any driver not holding a valid licence to drive the
vehicle or not meeting the conditions and any
New car replacement
limits of the driving licence
Breakdown assistance and home start
Theft or attempted theft if the vehicle is left
Windscreen cover unattended and left unlocked or the keys to the
Fire brigade charges (up to €2,200) ignition are left with the vehicle
Loss of Keys (up to €850) Your personal belongings, including handbags,
Foreign Use (EU cover up to 93 days) jackets and mobile phones
Personal accident cover (up to €6,500) Loss or damage as a result of the vehicle being
Courtesy car cover for duration of repairs in an filled with the wrong or contaminated fuel
approved repairers Loss of value, wear and tear, mechanical or
Medical expenses (up to €135) electrical breakdown, or damage to tyres as a result
of using brakes or by road punctures, cuts or bursts
Car hire (up to 5 days following theft of your
vehicle)
Third party, fire and theft:
Fire, theft and attempted theft damage (the Are there any restrictions on cover?
market value up to the sum insured shown in
your schedule) You will not be covered for any of the following:
New car replacement The first amount of each claim (known as the
excess), as shown in the schedule
Breakdown assistance and home start
Any breakdown cost or help that has not been
Fire brigade charges (up to €2,200)
agreed through our 24-hour helpline
Loss of Keys (up to €850)
If your certificate of insurance shows driving other
Foreign Use (EU cover up to 93 days) cars cover, specific restrictions apply
Optional extras: If windscreen cover applies we will not pay for
any amount over €150 for replacement or €50
No Claims Bonus Protection
for repair if the work is not carried out by our
Windscreen Cover (third party fire and theft) approved windscreen specialists
New car replacement cover applies if your car is
All covers subject to eligibility criteria. Full benefits and less than a year old and it has damage that costs
restrictions are outlined in your policy booklet more than 60% of its value
Driving other cars and Breakdown Assistance not
available with foreign use cover
 Where am I covered?
You are covered in the Republic of Ireland, Northern Ireland and Great Britain (including the Isle of Man and
Channel Islands).

What are my obligations?

• You must answer all questions honestly and accurately, during the quote process and during the lifetime of the policy. If the
position or answer in relation to any of these questions changes, you must inform us without delay.
• You must pay the premium(s) on time and in full
• You, or any other insured person, must co-operate fully with our investigations
• You must notify us of any changes to the risk such as change of vehicle(s), driver(s) or change of address
• You must take all reasonable steps to prevent accidents, injuries, loss or damage.
• You must ensure the vehicle is kept in a roadworthy condition and if necessary has a valid NCT certificate
• You must report any accident, injury, loss or damage immediately or on the next working day by calling Lo-Call 1800 77 1800
• You must also inform An Garda Siochana immediately if any person is injured in an accident

When and how do I pay?

You can pay for your insurance in full when taking out the policy through your broker (if applicable). You can pay the premium by
credit card, debit card or direct debit.

When does the cover start and end?

The start and end dates of this policy are stated on the policy schedule and on the certificate of insurance. The term of the policy
is 12 months unless otherwise agreed with us.

How do I cancel the contract?

You can cancel the insurance contract at any time by contacting your broker. You have a legal obligation to return your
insurance certificate and disc when cancelling an insurance policy.
If you want to cancel your policy within the first 14 working days, we will refund your premium for any period of insurance
remaining. If you want to cancel your policy at any point thereafter, we will refund your premium for any period of insurance
remaining less an administration fee.
Terms and conditions apply to cancellation please refer to your policy booklet.

GEIQMPBR 1121
Private Motor Vehicle Policy Summary
Information about data protection and your privacy rights
We are fully committed to ensuring you have all the information you need on how we use your personal data and your privacy rights. To
understand more about data protection and what this means, please contact your Broker who can furnish you with a copy of our Data
Protection Notice.

In addition to the above, Liberty Insurance has a Data Protection Officer (‘DPO’) available to answer customer data queries or concerns.
You can contact our DPO by email: DataProtectionOfficer@libertyinsurance.ie; or by post: Data Protection Officer, Liberty Insurance,
Dublin Road, Cavan, Co. Cavan.

This is a summary of the policy and does not contain the full terms and conditions of the cover. Full details can be found in the policy
booklet, a copy of which is available on request.

Significant features and benefits

For full details, please refer to the policy booklet.

Third Party
Cover Comprehensive
Fire & Theft

Legal liability for death or injury to any other person, including passengers

Legal liability for damage to other people’s property up to €30,000,000

Legal fees and costs incurred with our consent, in connection with a claim against your
policy

Own damage, fire and theft claims Fire & Theft only

New car replacement – if your car is less than a year old and it has damage that costs
Fire & Theft only
more than 60% of its value, we will replace it with a new car

Audio equipment radio receivers or transmitters, taxi meter, electronic navigation or

radar detection equipment – up to €635 or 5% of the vehicle value (whichever is lower)

Foreign use – (full policy cover in most European countries for up to 93 days free – see
section 2 of the policy booklet)

Fire Brigade charges – up to €2,200

Loss of keys – up to €850

Hire car after theft – If your car is stolen we will provide you with a hire car for up to 5
days after the theft. Vehicles used for public or private hire (taxi/hackney) cannot avail of X
this benefit.

Personal accident cover - €6500 X

Medical expenses – up to €135 per person X

Hotel expenses – up to €65 for the driver (or €135 for all the people in the vehicle) X

Breakdown Assistance – 24 hr roadside assistance, home-start, vehicle recovery and

journey completion

Windscreen cover – a €25 excess applies to glass replacement claims Optional

No claims bonus protection – available to policies with four or more years no claims
Optional Optional
bonus.
 Your Motor Insurance Premium Breakdown Summary.
Policy Number: GEI/QMP/083981214 Policy effective date: 09 August 2024

Policyholder: Pollyana De Jesus Castilho

We are providing you with a breakdown of your motor premium. This will provide you with detailed
information on how your premium is calculated including what optional covers apply to your policy.

Optional % Discount € Discount

Covers Y/N /Charge /Charge Subtotal

Base Premium 0.00 €0.00 €2493.84

Plus - Statutory Charges 3.00 €74.82 €2568.66

Total premium (full payment) 0.00 €2568.66 €2568.66

If you pay by direct debit, you will incur a

service charge. Please ignore €0.00 and
refer to your payment schedule for the total
premium due. 7.70 €0.00 €0.00

* Optional covers are excluding government levy, compensation fund and direct debit charges (if
applicable).

**All insurance premiums are subject to a charge of 3% due to the Government Levy. Liberty
Insurance meet all obligations to contribute to the Motor Insurance Insolvency Compensation
Fund (MIICF) and to the Insurance Compensation Fund (ICF)

***Windscreen is a flat charge of €29.57 and is not subject to direct debit charges.

All calculations are subject to Minimum Premium. Minimum Premium is the lowest amount to be
charged for insurance cover.

Please note in the event of changes to the policy the premium will be recalculated and any additional
charge or refund due will be applied.

The premium calculations above are subject to rounding.

Alternative Cover Premiums
In the table below we are providing you with the premium for the cover option you chose on your policy along
with the alternative cover options that are available to you. The current level of cover on your policy is: Third
Party Fire & Theft

Cover Level Comprehensive Third Party Fire & Theft

Total Premium 2616.23 2568.66

 Motor Insurance Schedule
This schedule replaces all previous schedules issued under the policy number and should be attached to your
policy document.

BRANCH: AGENCY: Chill Insurance

POLICY NUMBER: GEI/QMP/083981214 AGENCY CODE: CHILLI01

INSURED: Pollyana De Jesus Castilho

RISK ADDRESS: Apt 504,The Griffin DATE OF ISSUE: 09 August 2024
One Three North REASON(S) FOR ISSUE: New Business
Clongriffin
Dublin 13

BUSINESS OR OCCUPATION: Graphic Designer

VEHICLE DETAILS:

REGISTRATION NUMBER: 07RN3100 YEAR: 2007

MAKE AND MODEL: NISSAN MICRA SPORT CC: 1240

VEHICLE LOCATION: Dublin 13

VALUE (€): 2000
VEHICLE MODIFICATIONS:
RIGHT HAND DRIVE: Yes

PERIOD OF INSURANCE: FROM: 09 August 2024 12:15

TO: 08 August 2025 23:59

RENEWAL DATE: 09 August 2025

POLICY COVER: Third Party Fire & Theft

WINDSCREEN COVER: No WINDSCREEN N/A

REPLACEMENT EXCESS:

REGISTERED OWNER: Proposer

NO CLAIMS DISCOUNT: 0 NCD PROTECTION: No

OTHER DRIVING 0 EXCESS: €300

EXPERIENCE:

NAMED DRIVERS:

Limitations as to Use
This Insurance covers only the Driver(s) and Use defined in the Road Traffic Act Certificate of Motor Insurance issued with the policy.

PREMIUM: € 2400.62
GOVERNMENT LEVY: € 168.04
TOTAL PREMIUM: € 2568.66
 Liberty Intermediary Name Chill Insurance
Client Reference DEJP00001
Insurance Agency Reference CHILLI01
Statement of Fact Form Policy Number GEI/QMP/083981214

PROPOSER
Name Pollyana De Jesus Castilho
Address Apt 504,The Griffin Telephone (Day)
One Three North Telephone (Evening)
Clongriffin The Area of Main Use is Dublin 13
Dublin 13 Vehicle Kept Overnight Dublin 13

VEHICLE - The vehicle must be registered in the country where it will be kept and driven
Engine Registered Annual
Make/Model Year Value LHD Reg No
cc Date Mileage
NISSAN MICRA SPORT 1240 2007 € 2000 01 Jan 07 10000 No 07RN3100
Has the vehicle been modified or converted in any way? No The registered owner of the vehicle is Proposer
Is the vehicle fitted with any non standard audio equipment? No

DRIVERS
The main driver of the vehicle is Pollyana De Jesus Castilho Driving Restriction Insured Only
Relationship to Years Licence
Name Gender DOB Occupation Licence No
Proposer Residency Type
1 Pollyana De Jesus Castilho F 26 Mar 91 Proposer Graphic Designer 3 Full EU 123456
2
3
4
5
6
Have you or any named drivers ever been refused insurance (including renewal), had a policy cancelled or had any special terms or
conditions added by an insurer? No
I have earned 0 year(s) no claim discount The expiry date of the policy was 01 January 0001
Point on no claims bonus scale: 0
This has been earned in the last 24 months, is not currently in use on another vehicle and has been earned in the EU, Great Britain, Northern
Ireland, USA, Canada, Australia or New Zealand.

The insurer was The policy number was

If you or any named driver(s) have had any accidents/claims (including fire & theft claims), regardless of blame in the last 3 years, please give
full details in the box below and return this form to us.
ACCIDENT/CLAIMS DETAILS
NCB
Driver Date Type Amount At fault Settled
Affected
€
€
€
€
€
€
€
€
€
€
€
€
COVER & USE
Cover Required Third Party, Fire And Theft Cover is to operate from 12:15 hrs on 09 August 2024
Class of Use Social, Domestic And Pleasure
No Claims Bonus 0 Windscreen Cover No
Other Driving Experience 0 NCD Protection Not Protected

DRIVERS WITH MEDICAL CONDITIONS/DISABILITIES

Do you have any disabilities or medical conditions that need to be reported to the driver licensing authorities?
Driver Condition

VEHICLE MODIFICATIONS

Liberty Seguros, Compania de Seguros Y Reaseguros, S.A, trading as Liberty Insurance is authorised by the General Directorate of Insurance and
Pension Funds in Spain and is regulated by the Central Bank of Ireland for conduct of business rules.
GAP IN COVER DECLARATION
Since the expiry date of my previous policy on
I confirm that I have not held motor insurance nor had any accidents, claims, convictions, furthermore none are pending. I have not been driving
my car because

If you or any named driver(s) have been convicted of a motoring offence, including penalty points offences within the last 3 years, or have
prosecutions or penalty point offences pending, or have been disqualified from driving, or from obtaining a licence, in the last 7 years, please
give full details in the box below and return this form to us.
DRIVERS WITH MOTORING PENALTY POINTS
Endorsement
Driver RTA Section Points
Date

DRIVERS WITH MOTORING AND/OR NON-MOTORING CONVICTIONS

If you or any named driver(s) have been convicted for any motoring offence in the last 3 years, or have ever been convicted of a non-motoring
offence or have any prosecutions pending please give full details in the box below and return this form to us.
Do you or any named driver(s) have any motoring conviction(s)? No
Do you or any named driver(s) have any non-motoring conviction(s)? No
DECLARATION
Your duty of disclosure under the Consumer Insurance Contracts Act 2019 means that where you provided the answers in the Statement of Fact above to us in
response to specific questions we asked you, you were under an obligation to answer those questions honestly and with reasonable care.
It is important that you understand that the questions we asked are material to the risk we undertake as insurers or the premium we offer you, or both.
You hereby confirm/declare that you answered all questions honestly and with reasonable care when you provided the answers in the Statement of Fact above. You
must read the details above to ensure they are correct.
If any of the details are incorrect, you must amend these, sign and date the form and return to your broker within 14 days otherwise no action is required
by you. It is important to note that some changes in policy details may affect premium or acceptance of the policy.
Important: Failure to answer all questions accurately, including questions about previous insurance claims you have made under any other motor insurance policy, or
failure to amend an incorrect fact could result in:
 your policy being treated as if it never existed or being cancelled
 the terms and conditions of your policy changing
 your premium being increased
 the amount payable to you on foot of any claim being reduced and/or
 claims not being paid.
If the policy is cancelled or treated as if it never existed, this could result in difficulty getting insurance in the future. Liberty Insurance reserves the right to decline any
Proposal.
Full details of the cover provided appear in the policy document. A copy of the policy document and Statement of Fact is available upon request.
PROPOSERS SIGNATURE DATE

(NB. Only sign and return the form if changes are required)

Liberty Seguros, Compania de Seguros Y Reaseguros, S.A, trading as Liberty Insurance is authorised by the General Directorate of Insurance and
Pension Funds in Spain and is regulated by the Central Bank of Ireland for conduct of business rules.
Liberty Seguros, Compania de Seguros Y Reaseguros, S.A, trading as Liberty Insurance is authorised by the General Directorate of Insurance and
Pension Funds in Spain and is regulated by the Central Bank of Ireland for conduct of business rules.
 Our Ref: DEJP00001

IMPORTANT NOTICE – STATEMENT OF SUITABILITY

This is an important document which sets out the reasons why the product(s) or service(s)
offered or recommended is/are considered suitable, or the most suitable, for your particular
needs, objectives and circumstance.
Please note full disclosure of all material facts should be made including medical history and
claims. Failure to disclose all relevant information could result in your policy being
cancelled, claims not being paid and difficulty in getting insurance elsewhere. In the case of
property insurance failure to have property insurance in place could lead to a breach of the
terms and conditions attaching to any loan secured on the property.

Client Name: Pollyana De Jesus Castilho

Address: Apt 504,The Griffin, One Three North, Clongriffin, Dublin 13
Product: Motor
Product Provider: Liberty Insurance dac
Policy No: GEI/QMP/083981214
Inception Date: 09/08/2024

Chill Insurance is regulated by the Central Bank of Ireland. Taking your circumstances as advised to us
into account and based on the cover required the product and product provider noted above provides
the best cover and value for your current needs. All information in relation to your policy can be found
in your policy terms and conditions (your policy schedule and policy booklet). We have considered
various factors which include:-

• The competitiveness of the premium

• The extent of cover provided by the policy
• The service (including claims service)provided by the insurer

Please consult your Policy Document and/or Schedule for full Policy Terms and Conditions and if you
have any queries, please do not hesitate to contact us.

It is also important that you and all named drivers is aware of your underwriters privacy policy which
explains how they use your data, the legal basis for doing so and your rights. This can be found on
their website.

Signed: Date: 09/08/2024

On behalf of Chill Insurance Ltd

SUMO1.0
 IMPORTANT NOTICE

1. Material Fact – It is important that you disclose all relevant information that might affect your
policy. Changes to your circumstances, medical conditions, claims or convictions are examples
of scenarios that should be notified to us. Non disclosure or falsification of a material fact gives
an insurance company grounds to rescind a contract and could result in the policy being voided.
If in doubt whether a fact is material or not our advice is to disclose it.

2. "Fronting" is the accepted word in the insurance industry, to describe when:

A young person pretends that his/her car is owned and 'mainly driven' by someone else, usually
a parent or other relative. They get the parent or relative to insure it in their name and to
declare the young person as an occasional driver on the proposal.

If you have a young driver under the age of 25 named as an additional driver on your
policy, please read this notice carefully.

In the event of an accident, insurers, when settling claims involving young additional drivers
may go into details about other vehicles in the household.

When insuring young drivers on any vehicle, thought needs to be given to how much use of the
car they have and what they use the car for.

In many cases it will be for social use a few times per week which is acceptable.

However, if the young driver is regularly taking the vehicle to work or a place of education or if
it becomes apparent that they use the vehicle more than the Policyholder, then insurers will
argue that the young driver is the main user of the vehicle.

If it comes to light that the young driver is the main user of the vehicle, the insurer
may void the policy from inception and refuse to deal with any claims.

In light of the above, we would ask you to give consideration to the usage of the young driver
on your policy and contact us if you have any concerns.

YOUR ANNUAL CERTIFICATE AND DISC

It is important that you return all required documentation to our offices within 14 days from
the date of this letter to ensure that your policy and cover is finalised.

Please note that failure to return these documents within 14 days will result in your insurer
enforcing cancellation and your policy will no longer be in force.

In the event of this happening, we require you to return your annual certificate and disc to our
offices. Your insurer is also obliged to inform the Department of Transport that your policy has
been cancelled and if you are found to be in possession of your certificate and disc after the
cancellation is enforced, you will be deemed as driving uninsured, which is an offense under
Irish Law and the Road Traffic Act 2010.

SUMO1.0
 Terms of Business

These terms of business set out the terms under which Chill Insurance Limited t/a Chill Insurance (“Chill Insurance”) will provide insurance services to you.
Please ensure that you read through this document carefully. If you require further clarification regarding any matter we will be happy to deal with your queries.
These terms shall apply to any service provided to you by Chill Insurance and will remain in force until further notice. They also contain details of our regulatory
and statutory obligations and the respective duties of both Chill Insurance and you in relation to such services. Please note that by proceeding with your Chill
Insurance quotation or policy you agree to the terms as laid out in this Terms of Business document. By accepting these Terms of Business you acknowledge
that you have read and understand them; and you have read and understand the information contained within your chosen quotation and/or policy, which is also
contractually binding on you.
Regulatory & Authorised Status
Chill Insurance Limited t/a Chill Insurance, Chill Insurance House, Ravenscourt Office Park, Sandyford, Dublin 18, D18 K267. Tel: 01 4003400 Fax: 01 2799851,
Email: care@chill.ie Web site: www.chill.ie (“our Website”) is an insurance intermediary and provides the following services:

Chill Insurance is regulated by the Central Bank of Ireland as an insurance intermediary registered under the European Union (Insurance Distribution)
Regulations, 2018; and as a Mortgage Intermediary authorised under the Consumer Credit Act, 1995, and as a Mortgage Credit Intermediary under the
European Union (Consumer Mortgage Credit Agreements) Regulations 2016. Copies of our regulatory authorisations are available on request. The Central
Bank of Ireland holds registers of regulated firms. You may contact the Central Bank of Ireland on 01 224 5800 or alternatively visit their website at
www.centralbank.ie to verify our credentials.

Chill Insurance is subject to and must comply with the Central Bank of Ireland’s Consumer Protection Code, Minimum Competency Code and Fitness and
Probity Standards which offer protection to consumers. The codes are available for inspection on the Central Bank of Ireland’s web site www.centralbank.ie.
Chill Insurance is registered with the Competition & Consumer Protection Commission (CCPC) as a credit intermediary for Close Brothers Premium Finance
(Ireland) Limited (to arrange the provision of premium credit) and Chill Insurance Ltd t/a Chill Money for AvantCard DAC for the arrangement of personal loans
and credit facilities.
Our Services
Our principal business is to provide advice on the most suitable products and arrange transactions on behalf of customers in relation to Life and Non Life
insurance products. Receiving and transmitting orders to insurance companies. Advice to clients is based on a fair and personal analysis of the available
market. This means that the analysis is on a sufficiently large number of insurers and product producers available on the market, who deal with insurance
intermediaries, to enable Chill to make a recommendation, in accordance with professional criteria, regarding which product is the most suitable. We will identify
and select a suitable insurance company and on receipt of your instructions we will transmit orders on your behalf to one or more insurance companies. We will
offer assistance in relation to existing policies in processing changes to policies and in seeking renewal terms. The following products are not offered on a fair
analysis basis: Health Insurance is provided by Irish Life Health dac; Travel Insurance, Breakdown Assist and Home Protect are provided by Mapfre Assistance
and Gadget insurance is underwritten by Zurich Insurance. Business insurance is arranged on a limited analysis of the market. A full list of insurers and
product producers with whom we deal with is available on request.
Fair and Personal Analysis
The concept of fair and personal analysis describes the extent of the choice of products and providers offered by an intermediary within a particular category of
life assurance, general insurance, mortgages, and/ or a specialist area. The number of contracts and providers considered must be sufficiently large to enable
an intermediary to recommend a product that would be adequate to meet a client’s needs. The number of providers that constitutes ‘sufficiently large’ will vary
depending on the number of providers operating in the market for a particular product or service and their relative importance in and share of that market. The
extent of fair analysis must be such that could reasonably be expected of a professional conducting business, taking into account the accessibility of information
and product placement to intermediaries and the cost of the search. In order to ensure that the number of contracts and providers is sufficiently large to
constitute a fair and personal analysis of the market, we will consider the following criteria:
• the needs of the customer,
• the size of the customer order,
• the number of providers in the market that deal with brokers,
• the market share of each of those providers,
• the number of relevant products available from each provider,
• the availability of information about the products,
• the quality of the product and service provided by the provider,
• cost, and any other relevant consideration.
Investor Compensation Chill Insurance is a member of the Investor Compensation Scheme operated by the Investor Compensation Company dac. The
scheme was established under the Investor Compensation Act, 1998 (as amended) (the “Act”). A right to compensation will only arise where money or
investment instruments held by us on your behalf cannot be returned either for the time being or for the foreseeable future and where you fall 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 your
loss, which is recognised as being eligible for compensation, or €20,000. Further information is available from www.investorcompensation.ie.
Brokers Ireland Compensation Fund As a member of Brokers Ireland , Chill Insurance is also a member of the Brokers Ireland Compensation Fund.
Subject to the rules of the scheme the liabilities of its member firms up to a maximum of €100,000 per client (or €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 Investor Compensation Scheme has failed to adequately compensate any
client of the member. Further details are available from Brokers Ireland www.brokersireland.ie.
Handling Clients’ Money Chill Insurance will accept payments by cheque or by credit/debit card in respect of all non-Life classes of insurance. Premiums
are due on or before renewal date or inception date of the policy or before any policy changes which result in an additional charge. It is your responsibility to
ensure that your payment has reached us and that your policy has been incepted/renewed/amended. If we do not receive your renewal payment on or before
your renewal date, your policy will lapse and no cover will be in place. Chill Insurance will not charge or refund customers where there is an outstanding
balance amounting to €1 or less. Where payment is made to Chill Insurance by credit or debit card, any subsequent refund due may be refunded to the card
used to make the initial payment.
Quotations All quotations are valid on the day the quotation is offered. All quotations and cover are issued subject to acceptance by the insurer. Insurers who
do not return a quotation and instead go into referral or decline will not be considered. A full copy of the insurers’ policy wording, terms and conditions is
Page 1 of 4
available upon request. You are required to answer all questions posed by us or the insurer honestly and with reasonable care – the test will be that of the
‘average consumer’. Average consumer as per Directive No. 2005/29/EC of the European Parliament and of the Council of 11 May 2005 is reasonably well
informed and reasonably observant and circumspect, taking into account social, cultural and linguistic factors. Failure to disclose all relevant information, when
asked or misrepresenting any fact which may influence the decision to accept the risk or the terms offered could result in your policy being cancelled, claims not
being paid, difficulty in getting insurance elsewhere and in the case of property insurance failure to have property insurance in place could lead to a breach of
the terms and conditions attaching to any loan secured on the property. Payment for a quotation sought through the Chill Insurance website does not
automatically constitute evidence of cover, unless written confirmation has been issued to you from Chill Insurance. Otherwise, you may be contacted by phone
following receipt of your payment to reconfirm your details and have your policy arranged. Cover does not come into force until it has been confirmed to you by
Chill Insurance. The terms of your chosen policy shall take precedence over any statement, representation, act or omission which may have been made by Chill
Insurance and which conflicts with any terms of your chosen policy. You must check all details on any proposal form or statement of facts and pay particular
attention to any declaration you are asked to sign. It is important that you read all documents issued to you and ensure that you are aware of the cover, limits,
warranties, conditions and other terms that apply. Failure to disclose, when asked, all relevant information could result in your policy being cancelled,
claims not being paid and difficulty in getting insurance elsewhere.
Money Laundering Chill Insurance reserves the right to request any facts about you which it reasonably believes it needs to know in order to comply with the
Criminal Justice (Money Laundering and Terrorist Financing) Acts 2010 - 2018.
Remuneration Policy
Chill Insurance is remunerated by a professional fee for the initial work and time spent in seeking the most suitable terms, product and insurance company for
your specific needs. An administration fee is also charged for the activity involved in the renewal of the policy and any alterations that take place during and at
termination of a policy. Our fees are outlined below. We may earn our remuneration on the basis of fee, commission and any other type of remuneration,
including a non-monetary benefit or on the basis of a combination of these methods. A non-monetary benefit will only be accepted if it enhances the quality of
the service to our clients. We are usually remunerated by commission received from insurance companies for work involved in placing an order and finalising
the product on your behalf and for the provision of advice regarding life and non life business. Commission is deemed fully earned by Chill Insurance at
inception and/or renewal of every policy. A summary of the details of all arrangements for any fee, commission, other reward or remuneration paid or provided
to Chill Insurance which it has agreed with product producers is available on the Chill Insurance website www.chill.ie, remuneration section. Where an override
commission is received, this will be disclosed to you in general terms. Fees are charged on the under noted scale, and cover the sourcing of the product,
administration costs, and standard advice on product placement. Clients may pay in full for the service provided by means of a fee which will be agreed, in
writing, with the client by Chill Insurance in advance of the provision of service. The amount of any commission received by Chill Insurance will not be deducted
from any fee payable. All prices quoted by Chill Insurance are inclusive of the applicable Government Levy.
Non-Life Personal Insurance: Non-Life Commercial and/or Business Insurance:
*New Business & Renewal Set up Charge Up to €800 *New Business & Renewal Set up Charge up to 50% of premium subject to a minimum of €50
Policy Amendment or Cancellation Charge Up to €75 Policy Amendment or Cancellation Charge up to 30% premium subject to a minimum of €30
Duplicate documentation Up to €25 Duplicate Documentation Up to €25

Telematics Co-Pilot Motor Policy: Telematics Statement:

*New Business & Renewal Set Up Charge Up to €400 To avail of the Telematics Co-Pilot policy you must have a telematics device installed in
Policy Amendment or Cancellation Charge Up to €60 your car within the timeframe specified. Should you miss an appointment to have your
Duplicate documentation Up to €25 telematics device installed, please note a change of up to €60 applies. The telematics
Missed appointment for device Installation Up to €60 device must remain in use at all times. Failure to comply with these conditions or driving
in an unacceptable manner, such as, but not limited to, driving above the legal
speed limit may result in cancellation of your policy

Where separate premium finance agreements are arranged for you via a premium finance provider we may earn additional commission of up to 6% of the
annual premium. Should there be a default of a direct debit payment Chill Insurance will charge a fee for recovery of the defaulted payment of up to €25. In the
event that the loan is to be reinstated following a default, a charge of up to €40 will be applied.

*Please note the New Business and Renewal set up charge is non refundable.

Life Assurance:
In respect of life assurance protection contracts we are remunerated by commission paid by the life company. If a policy is being taken out with Chill Insurance
to replace an existing policy not in the agency of Chill, we are not responsible for the cancellation of the existing policy or any overlap of premium that may occur
when the new policy is put in place with the chosen life company. A client must organise the cancellation with the Life company involved directly or with the
broker who is named on the existing policy. All premiums quoted on application are quoted on the basis a client is accepted at standard rates and quotes are
only valid for 7 days.

Where the client fails to pay or defaults

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 an alteration
• Your bank returns your cheque due to insufficient funds or any other reason
• Direct Debit default
• Non disclosure of relevant information
• Provision of incorrect or inaccurate information
• Non return of necessary documentation within the required timeframe
• Insurer imposed cancellation

In the event that you fail to pay and/or fail to provide us with a completed and signed direct debit mandate within the required timeframe, we will advise the
insurance company involved and cover will be cancelled. Insurance companies may withdraw cover on default of any payments due under any products
arranged for your benefit. Details of these provisions will be included in your policy/product terms and conditions. If you have a loan with Close Brothers
Premium Finance, the rebate from the product provider will be added to your loan account and then the outstanding balance or refund will be determined. Chill
Insurance will take such steps as may be necessary to recover any monies due to us including the instigation of legal proceedings, the appointment of a
receiver and all other rights available to us. Consumer responsibilities arising out of the Consumer Insurance Contracts Act 2019 indicate that the consumer (as
defined by SI No 853 of 2004) (“consumer”, in relation to a distance contract, or proposed distance contract, for the supply of a financial service, means a
natural person who is acting otherwise than in the course of a business carried on by the person, and, if the rights and obligations of a consumer under a
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contract to which these Regulations apply have passed to another such person (whether by assignment or operation of law), includes that other person) is under
a duty to pay their premium within a reasonable time, or otherwise in accordance with the terms of the contract of insurance. A court of competent jurisdiction
can reduce the pay-out to the consumer where they are in breach of their duties under the Act, in proportion to the breach involved. Should there be a default of
a direct debit payment Chill Insurance will charge up to €25 fee for recovery of the defaulted payment. In the event that the loan is to be reinstated following a
default, a charge of up to €40 will be applied.
Data Protection Chill Insurance Ltd complies with the requirements of the General Data Protection Regulation (EU) 2016/679 (“GDPR”) and the Irish Data
Protection Act 2018. Chill Insurance is committed to protecting and respecting your privacy. The data will be processed only in ways compatible with the
purposes for which it was given. These are outlined in the Privacy Policy which is available for review online at www.chill.ie/privacy. We will ensure the Privacy
Policy is easily accessible through our website. If this medium is not suitable for you we will ensure you can easily receive a hard copy, please contact us to
request a copy. Please contact us at dpo@chill.ie if you have any concerns about your personal data.
The Chill Insurance Privacy Policy details how we collect and use your personal data. It informs you about the types of data we hold on you; the purpose(s) it is
used for and your rights in relation to how it is processed. By getting a quote and/or arranging a policy through Chill Insurance you agree to the terms of the
Privacy Policy.
Please note, where you make a credit application or enter into a credit agreement for the provision of credit to you, we will require you to provide your personal
public service number (PPSN) for the Central Credit Register in accordance with section 5(2) of the Credit Reporting Act 2013.

You confirm that Chill Insurance is authorised to accept instructions on your policy/quotation from any person(s) whom Chill Insurance may reasonably believe
are acting on your behalf.

Cancellation Either party may, at any time, cancel the policy. If you wish to cancel your policy, you must send written instructions to Chill Insurance. For
Private and Commercial Motor Insurance, you must return your Insurance Certificate and Disc before your policy can be cancelled. Chill Insurance may instruct
your insurers to cancel your policy. Policies can be enforced cancelled by due to, but not limited to, non payment, non disclosure, provision of incorrect
information over the phone and online or where the necessary documentation is not submitted within a required time frame. In the event of a cancellation there
will be a deduction for time on cover if applicable. Please note - in the event of cancellation outside the cooling off period (see below) there will be a deduction
for time on cover, commission may be charged and there may also be fees and non-refundable elements of the premium imposed by the insurer. If you cancel
during the first year of insurance (outside the cooling off period) short term rates may apply in accordance with the terms and conditions of your insurance
policy. Please note – our set up charge is non refundable and a cancellation charge (details of which are set out above) will apply to all cancellations (outside
the cooling off period). The cancellation charge may be deducted from any rebate due to you prior to being issued to you, in this event, it will be agreed in
writing by you in each instance.

Cooling Off Period A consumer has the right to withdraw from an insurance policy within 14 days of the start date of the policy (except in the case of travel
policies whose operative period is for one month or less) without penalty and without giving any reason. This is known as the cooling off period. For Life
policies the cooling off period is 30 days from the start date of the policy. The right of withdrawal may be exercised by notice in writing to Chill Insurance quoting
your policy number. The right to withdraw applies provided that no claim or adjustment has been made or is intended to be made or no incident has occurred
which is likely to give rise to a claim. Should this right be exercised the insurance company may charge for the period you are on cover. For motor insurance
the insurance certificate and disc must be received by Chill Insurance before the policy can be cancelled. Please note that the policy set up charge is non
refundable if you choose to withdraw from the policy within the cooling off period.

Post-Contract Stage & Claims If, in respect of the insurance contract the insurer is not obliged to pay the full claim settlement amount until any repair,
replacement or reinstatement work has been completed and specified documents for the work have been furnished to the insurer, the claim settlement
deferment amount cannot exceed
• 5% of the claim settlement amount where the claim settlement amount is less than €40,000, or
• 10% of the claim settlement amount where the claim settlement amount is more than €40,000.

An insurer may refuse a claim made by a consumer under a contract of insurance where there is a change in the risk insured, including as described in an
“alteration of risk” clause, and the circumstances have so changed that it has effectively changed the risk to one which the insurer has not agreed to cover. Any
clause in a contract of insurance that refers to a “material change” will be interpreted as being a change that takes the risk outside what was in the reasonable
contemplation of the contracting parties when the contract was concluded. The consumer must cooperate with the insurer in an investigation of insured events
including responding to reasonable requests for information in an honest and reasonably careful manner and must notify the insurer of the occurrence of an
insured event in a reasonable time. The consumer must notify the insurer of a claim within a reasonable time, or otherwise in accordance with the terms of the
contract of insurance. If the consumer becomes aware after a claim is made of information that would either support or prejudice the claim, they are under a
duty to disclose it.(The insurer is under the same duty). If the consumer makes a false or misleading claim in any material respect (and knows it to be false or
misleading or consciously disregards whether it is) the insurer is entitled to refuse to pay and to terminate the contract. Where an insurer becomes aware that a
consumer has made a fraudulent claim, they must notify the consumer advising that they are avoiding the contract of insurance. It will be treated as being
terminated from the date of the submission of the fraudulent claim. The insurer may refuse all liability in respect of the claim made after the date of the
fraudulent act, and the insurer is under no obligation to return any of the premiums paid under the contract.

Regular Reviews It is in your best interests that you review, on a regular basis, the products which we have arranged for you. As your circumstances change,
your needs will change which may result in you having insufficient insurance cover. We would therefore advise that you contact us to ensure that you are
provided with up to date advice and products best suited to your needs.

Consumers: Duty of Disclosure When completing documentation for new business/renewals and midterm adjustments
Sections 8 & 14 of the Consumer Insurance Contracts Act which is effective from 1st September 2021 alters consumer’s duty of disclosure:

You are required to answer all questions posed by us or the insurer honestly and with reasonable care – the test will be that of the ‘average consumer’.
Average consumer as per Directive No. 2005/29/EC of the European Parliament and of the Council of 11 May 2005 is reasonably well informed and reasonably
observant and circumspect, taking into account social, cultural and linguistic factors.

Specific questions will be asked. Where you do not provide additional information (after being requested to do so) it can be presumed that the information
previously provided remains unchanged. An insurer may repudiate liability or limit the amount paid on foot of the contract of insurance, only if it establishes that
non-disclosure of material information was an effective cause of the insurer entering into the relevant contract of insurance and on the terms on which it did.

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Completed proposal forms/statement of fact Completed proposal forms or Statements of Facts will be provided to you. These are important documents
as they form the basis of insurance contract between the insurer and you the consumer. You should review and confirm that the answers contained within are
true and accurate.

Commercial Customers: Non-Consumer Disclosure of Information It is essential that you should bring to our attention any material alteration in risk
such as changes of address or use of premises. Any failure to disclose material information may invalidate your claim and render your policy void.
Conflict of Interest It is the policy of Chill Insurance to avoid any conflict of interest when providing business services to clients. However, where an
unavoidable conflict may arise we will advise you of this in writing before providing any business service. If you have not been advised of any such conflict you
may assume that none arises. Chill brings to your attention that Chill Insurance and Ivernia Insurance Limited have common shareholder and directors.
In some cases, we may be a party to a profit-share arrangement with product producers where we provide extra services for the provider. Agreements to this
effect are in place with the Liberty Insurance DAC & Zurich Insurance DAC. Any business arranged with these providers on your behalf is placed with them as
they are at the time of placement the most suitable to meet your requirements taking all relevant information, demands and needs into account.
Complaints We take complaints made against us very seriously and maintain a procedure to ensure that complaints are dealt with promptly and fairly. All
complaints should be addressed to The Complaints Officer, Chill Insurance House, Ravenscourt Office Park, Sandyford, Dublin D18 K267. Chill Insurance will
acknowledge in writing each complaint received within 5 business days of the complaint being received. Chill Insurance will provide the complainant with a
regular written update on the progress of the investigation of the complaint at intervals of not greater than 20 business days. Chill Insurance will attempt to
investigate and resolve the complaint within 40 business days of having received the complaint. When the 40 days has elapsed, if the complaint is still not
resolved, Chill Insurance will inform the complainant of the anticipated timeframe within which Chill Insurance hope to resolve the complaint. At this point Chill
Insurance will inform the complainant of their right to refer the matter to the Financial Services & Pensions Ombudsman, Lincoln House, Lincoln Place, Dublin 2,
D02 VH29 Tel: (01) 567 7000; Email: info@fspo.ie; Website: www.fspo.ie. Chill Insurance will advise the complainant in writing, within 5 business days of the
completion of the investigation of the complaint, the outcome of the investigation and where applicable explain the terms of any offer or settlement being made.
If the complaint relates to the pricing of an insurance premium, the complaint in that instance should be made directly to the insurer. The details of insurers’
complaints processes are outlined in their policy booklets which can be found online at www.chill.ie
Limitation of Liability We shall be liable to you for any losses, damages, reasonable costs or expenses (together the “Losses”) incurred by you arising
directly from our negligence or omission with respect to the services that we provide but subject to the condition that the maximum aggregate liability that we will
have to you (including any related company or affiliate of yours) for any and all Losses (or other claims arising in connection with the services that we provide)
shall for all purposes whatsoever be limited to a maximum amount of €500,000. We shall not be liable in contract or in tort or in any circumstances to you
(including any related company or affiliate of yours) in connection with the services that we provide for any special, indirect or consequential loss, loss of profits
or damage to reputation.

The above noted limitation on liability shall not apply in circumstances where you are a consumer within the meaning of the Central Bank of Ireland’s Consumer
Protection Code 2012 (the “Consumer Protection Code”). For the avoidance of doubt, when you are a consumer within the meaning of the Consumer Protection
Code, these Terms of Business, including the above noted limitation on liability, shall not exclude or restrict, or seek to exclude or restrict:
a) any legal liability or duty of care to that consumer which we have under applicable law or under the Consumer Protection Code.
b) any other duty to act with skill, care and diligence which is owed to that consumer in connection with the provision to that consumer of financial services; or
c) any liability owed to that consumer for failure to exercise the degree of skill, care and diligence that may reasonably be expected of us in the provision of a
financial service.
General Legal
Variation Chill Insurance reserves the right to amend these Terms of Business at any time but such amendments shall not affect any rights or obligations
already accrued by you or Chill Insurance. Any such revision to these Terms of Business will be notified to you by publication on our Website. You will be
provided with an up to date copy of the Terms of Business at the time of entering into or renewing your policy with Chill Insurance.
Termination Either of us may terminate this Agreement by written notice at any time but such amendments shall not affect any rights or obligations already
accrued by you or Chill Insurance. Any such revision to these Terms of Business will be notified to you by publication on our Website. You will be provided with
an up to date copy of the Terms of Business at the time of entering into or renewing your policy with Chill Insurance.
Written Communications We will contact you by email or provide you with information by posting notices on our Website. You accept that communication with
us will be mainly electronic. You agree to this electronic means of communication and you acknowledge that all contracts, notices, information and other
communications that we provide to you electronically comply with any legal requirement that such communications be in writing. This condition does not affect
your statutory rights.
Force Majeure We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations that is caused by events outside
our reasonable control including any act, event, non-happening, omission or accident beyond our reasonable control. Our performance under these Terms of
Business is deemed to be suspended for the period that such event continues and we will have an extension of time for performance for the duration of that
period.
Waiver If we fail to insist upon strict performance of any of your obligations under these Terms of Business, or if we fail to exercise any of the rights or remedies
to which we are entitled under these Terms of Business, this shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance
with such obligations. A waiver by us of any default shall not constitute a waiver of any subsequent default. No waiver by us of any of the terms of this
Agreement shall be effective unless it is expressly stated to be a waiver and is communicated to you in writing by our authorised personnel.

Severability If any of the terms of these Terms of Business are determined by any competent authority to be invalid, unlawful or unenforceable to any extent,
such term, condition or provision will to that extent be severed from the remaining terms, conditions and provisions which will continue to be valid to the fullest
extent permitted by law.

Entire Agreement These Terms of Business and any document expressly referred to in it constitutes the whole agreement between us and supersedes and
replaces any previous arrangement, understanding or agreement between us relating to the subject matter of these Terms of Business.

Governing Law These Terms of Business are subject to the laws of Ireland and the Courts of Ireland will have exclusive jurisdiction over any dispute.

Terms of Business valid from: June 2024

Chill Insurance Limited t/a Chill Insurance is regulated by the Central Bank of Ireland.
Registered No. 506021.

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