Consumer Protection Code 2012

David Jones Insurances Ltd t/a Aaran Insurances.

Schedule of Fees and Charges. This Firm is remunerated  by commission, and additional insurance intermediary fees of up to 40% of Insurance Undertakings premium (including all stamp duties, levies, etc) for arrangement and servicing of new business, renewals and also renewal transfers from one Insurance Undertaking to another, in respect of all classes of  non-life insurance. An insurance intermediary fee of €65 will be charged for mid-term policy alterations -any higher fees charged will be advised specifically and agreed with you in advance.  Return premiums for General Insurance will be dealt with by us by cheque refund  or Debit/Credit Card refund, having deducted in each and every instance an insurance intermediary fee of €65.  By signing the “Client Acknowledgement” you hereby agree to this fee deduction in each and every instance. We will charge €20.00 insurance intermediary fee for duplicate proof of No Claim Bonus and also for Letters of Driving Experience. General Insurance policies which are cancelled in their first year with any Insurer will have “short-period” penalty rates applied by us as follows;  We will charge 10% of the premium paid by you to us, per month of cover or part thereof,  plus a 10% penalty, less €65 insurance intermediary fee.  If we arrange Premium Finance for you we will charge up to a further 5% extra for this service and minimum €60 insurance intermediary fee. We will charge €20.00 insurance intermediary fee every time we collect direct debit arrears from you on behalf of Premium Credit. Where an Insurance Undertaking applies higher “short-period” rates,  we will apply same less €65 insurance intermediary fee. Very exceptional circumstances may warrant consideration by us and should be agreed before policy cancellation. This Firm is remunerated by both commission and/or insurance intermediary fees for the arranging, or the provision of advice, regarding life assurance, pensions, etc. Insurance Intermediary fees are charged on time spent and disbursements basis. Our current basic hourly rate is €210 for Directors and €75 for support staff. The rate is  determined by factors such as specialist skills, complexity, value, risk and urgency.

E.& O.E. 03.11.2017