The Terms of Business is issued for your protection and is required by the Financial Regulator. If you do not fully understand any of the content or wish to have more information on any of these matters, please let us know.
FBD Insurance plc is a wholly owned subsidiary of FBD Holdings plc. The Company is registered in the Company Registration Office under Company number 25475 and is registered for Value Added Tax (VAT), registration no 9F 72885 E. FBD Insurance plc is authorised by the Financial Regulator as a non-life insurance company and is a member of the Irish Insurance Federation and subscribes to its voluntary code of conduct. The Registered Office of FBD Insurance plc is at FBD House, Bluebell, Dublin 12.
FBD will accept payment for Internet transacted business by:
In respect of classes of Insurance arranged through our Local Offices we will accept payment by cheque, cash and debit/credit card.
The service provided by FBD Insurance plc includes the sale of and advice on the following insurance products:
| Private motor | Employers' liability | Property - Fire & perils | Credit |
| Commercial motor | Public liability | Property - Material damage All Risks | Guarantee |
| Agricultural motor | Products liability | Miscellaneous financial loss | Goods in transit |
| Personal accident |
Quotes given are valid for a period of thirty (30) days.
If you pay by Direct Debit and do not keep up your payments, you will not be covered under this Policy from the date the premium was due.
Online discounts offered do not apply in conjunction with any other FBD discount or voucher.
All Renewal Notices shall be sent out 21 days in advance of your renewal date. Please notify us prior to renewal date if you do not wish to renew your Policy with us. In relation policies paid by direct debit, in order to ensure that there is no interruption in cover, we may automatically renew your Policy and apply for payment from the bank or other financial institutions we hold on record. If you do not wish to renew and we have applied for payment, we will make a full refund on receipt of proof of alternative insurance and return of the current Certificate and Disc on issue.
You have a duty to tell us all facts likely to influence how we assess, and if we accept, your proposal. If you fail to pass on any documents or information required, act dishonestly or outside of the terms of the contract or agreement, we may cancel your Policy, declare the Policy to be void and refuse to pay any claim under the Policy. If you are in any doubt whether certain facts are important, please ask us.
Please note a handling fee of €50.00 will apply to any policy that is taken out with us and subsequently cancelled or not taken up because the information given to us over the phone or on line was incorrect.
You may cancel the Policy at any time by sending us cancellation instructions in writing . In the case of motor vehicle insurance you must also return the Insurance Certificate and Disc on issue. Provided no claim has occurred or is pending during the period of insurance, we will return to you premium as follows:
| In the first year of insurance | Premium value of policy | Administrative charge | |
| Up to €500 | €50 | ||
| €501 to €1,000 | €60 | ||
| €1,001 to €2,000 | €75 | ||
| €2,001 and over | €100 | ||
| From year two onwards | €40 Flat administrative charge for cancellations will apply. | ||
If we have to cancel your Policy, we will send you seven days' notice of cancellation (and 10 days' notice in the case of motor vehicle insurance policies) by registered letter to your last known address and in such an event provided no claim has occurred, we will return to you the premium paid for the period of insurance still left to run on the policy.
We will apply a €50.00 administration charge to any policy that is taken out and subsequently cancelled by us because the information given to us was incorrect or where any requested documentation required to complete the Contract is not submitted.
We do not request or refund premium values of €15 or less which arise out of Mid-term Amendments due to the administration costs involved.
In respect of Policies taken out via our Internet, we reserve the right to apply an administration charge of €25 for changes you ask us to make to your Policy that could be transacted via our Internet site.
All claims will be dealt with fairly and efficiently within the terms of your Policy. FBD Insurance plc will make every effort to ensure you are provided with a high level of customer service. You are reminded that you will be responsible for an initial amount known as an Excess which will be highlighted to you at the point of sale and shown on your Policy documentation.
FBD Insurance plc values your feedback especially if we fail to deliver a high standard of service. Your feedback provides us with an opportunity to rectify a problem and ensure it does not recur.
If you would like to give us feedback on your experience with us, or have a cause for complaint, please contact us at 1890 617 617 or by e-mailing us at info@fbd.ie.
If you are not satisfied with our response or, indeed, how the complaint has been handled, you may refer the matter : The Insurance Director, FBD Insurance plc, Bluebell, Dublin 12, who has the responsibility within FBD for complaints handling. If we have given you our final response and you are still dissatisfied, you may refer your case to:
Financial Services Ombudsman's Bureau, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2
The Laws of Ireland will apply to your Policy and the Irish courts will have jurisdiction to hear any dispute regarding your Policy unless otherwise agreed by us and stated on your Policy documentation. Policy documentation and all communications in respect of the Policy will be in English.
We will try to avoid conflicts of interest, but if you feel that a conflict of interest exists or your interests have not been fairly protected, please contact us to give us the opportunity to resolve any issues you have.
This Data Protection Statement outlines how FBD Insurance plc will use the information provided by you in connection with your Car Insurance application.
FBD Car Insurance is administered and underwritten by FBD Insurance Plc. In this Data Protection Statement "The Company", "We" "Us" and "Our" refers to FBD Insurance Plc. If you have any enquiry about the data protection and privacy practices please write to:
Data Protection Officer, FBD Insurance PLC, FBD House, Dublin 12.
All personal information is held under the strictest confidence and used only for the purposes for which we collect. Under section 4 the Data Protection Acts you have a right to receive a copy of personal data held by us. A Request should be made in writing and accompanied by a fee of €6.35 (cheques should be payable to FBD) , to the Data Protection Officer at FBD House, Dublin 12. You also have the right to require us to correct any inaccuracies in the information.
The information that you provide will be held by FBD Insurance plc and used for the purposes of providing and servicing insurance products including activities such as underwriting, processing, claims handling and the provision of services, such as Car Breakdown Assistance, undertaking market research and fraud prevention or detection.
We may share information with agents or service providers, other insurers and their agents, industry trade or regulatory bodies in connection with quoting, providing and servicing insurance products you have purchased from us.
To prevent fraud and to ensure that any payments or refunds can be paid to you, we keep your credit card and bank details for the duration of your Policy. By providing us with your financial details, you are consenting to us doing so.
In the event of you having to make a claim under your Policy, the information you provide to us as part of your claim application will be processed by us to confirm your identity and process your application. To this end it may be necessary to share your information with our services providers, investigators and with certain third parties, and to cross-reference this information against relevant insurance industry registries and publicly available databases. These third parties may retain a record of your information.
We may monitor and record telephone calls in order to improve our service and to prevent and detect fraud.
Where you indicate your consent during the full quotation process, we may use your information for direct marketing purposes by post, telephone, e-mail or text message to keep you advised of other products and services within the FBD Group, unless you have indicated otherwise to us at quotation stage or indeed at any time thereafter.
For the purposes of providing an insurance quotation we will need to collect sensitive data about you and other persons connected to the Insurances. Such sensitive data may relate to health conditions and or criminal convictions. The information is crucial to the underwriting of insurance. By taking out a policy with us, you are representing to us that you have been granted authority to disclose information sought in respect of each person for whom cover/quotation is required and accordingly all references in these statements which apply to you shall also apply to any other person named for whom cover/quotation is required and details are given.