When buying travel insurance through Kidd Insurances you will not receive advice or a recommendation from us for travel insurance. We may ask some questions to narrow down the selection of products that we will provide details on, but you will need to make your own choice as to whether to proceed and purchase the product.
We can provide an insurance quotation/policy based on the following terms and conditions:
IMPORTANT INFORMATION REGARDING PRE EXISTING MEDICAL CONDITIONS
Any person who is travelling with a pre-existing medical condition or has taken prescribed medication within the last 2 years must contact the Medical Screening number listed in the policy wording, prior to departure, to declare their condition otherwise there is no cover for that pre-existing medical condition. There is no cover available for persons travelling or a third party relative with a terminal prognosis or those awaiting results of tests or medical investigations. Pregnancy or child birth is not covered where the insured is expected to give birth within 8 weeks of the start date of their trip. There is no cover for medical expenses if the insured is travelling with the intention of obtaining medical treatment abroad, if the insured has been advised not to travel and if the insured is not taking recommended treatment or prescribed medication, as directed my a medical practitioner.
That all insured persons have been resident in Ireland/UK for the past six months
Before you enter into a policy with us, you have a duty to disclose to us every material fact that you know, or a reasonable person in the circumstances could be expected to know, which is relevant to our decision whether to accept the risk of insurance and if so, on what terms. A material fact is any fact, medical or otherwise, which poses an increase in risk to us and likely to influence us in the assessment, acceptance or continuance of your insurance. Please note if you fail to disclose any material facts to us, this could invalidate your insurance cover.
If the insured has a medical claim abroad or needs to curtail their trip then they must always contact the Emergency Assistance Company stated in the policy document otherwise their claim will not be covered.
There is no cover for any insured person who has already departed or any person who is aware of a claim at the time of booking.
The declared duration of insurance must match the duration of the trip, we cannot incept cover once your trip has already started and only in exceptional circumstances can we extend your policy, providing that no claim has been made or is pending, and that you call us to extend your policy prior to your current cover expiring.
We offer a Premium Refund Guarantee on all our policies cancelled within the 14 Day cooling off period, whereby you may return the documentation to us and upon receipt of the policy, provided the insured has not travelled or is making a claim, we will refund you your Insurance Premium. Please note that the Premium Refund Guarantee does not extend to administration or postage fees where applicable, incurred in the supply your original policy.
Please read the terms and conditions
These Terms of Business set out the basis on which Alan B Kidd & Co Ltd t/a Kidd Insurances and Kidd Financial Services will provide business services to you as a client of the firm. They also contain details of the regulatory and statutory obligations and the respective duties of both the firm and you in relation to such services.
Alan B Kidd & Co Ltd t/a Kidd Insurances and Kidd Financial Services is authorised by the Financial Regulator under the Investment Intermediaries Act 1995 and as an Insurance Intermediary under the European Communities (Insurance Mediation) Regulations 2005. Copies of the various authorisations are available on request. They can also be verified by contacting the Central Bank of Ireland on 1890 77 77 77.
Alan B Kidd & Co Ltd is also regulated by the National Consumer Agency as a Credit Intermediary.
Any future reference in this document to Alan B Kidd & Co Ltd shall be deemed to inlcude the trading names of Kidd Insurances and Kidd Financial Services.
As a Multi Agency Intermediary we are authorised to advise you in relation to a wide range of Insurance and Investment Products. We research the products on your behalf with the Product Producers (Insurers) with whom we hold appointments.
We will identify and select suitable products available from the Product Producers (Insurers) and on receipt of your instructions we will transmit orders on your behalf to one or more Product Producers (Insurers), a list of which is available on request. This process applies to all classes of insurance policies with the exception of Schemes which are managed by us and Health Insurance which is placed with Aviva Health.
A Scheme is an arrangement whereby agreement is reached with a Product Producer (Insurer) to accept risks of a particular class at preferential terms and premium. For example, we presently arrange Schemes for Childcare, Unoccupied Property, Caravans, Mobile Homes and Holiday Homes. If we have a Scheme in existence for the risk presented then we will not seek to obtain alternative quotations.
A Scheme is an arrangement whereby agreement is reached with an Insurer (Product Producer) to accept risks of a particular class at preferential terms and premium. For example, we arrange Schemes for Childcare, Unoccupied Property, Caravans, Mobile Homes and Holiday Homes. If we have a Scheme in existence for the risk presented then we will not seek to obtain alternative quotations.
Other than for Schemes and Health Insurance this firm does not have a 'tied' relationship with any Product Producer (Insurer) which would compromise our ability to offer you independent advice and choice.
As a Credit Intermediary the firm can arrange personal loans e.g. premium finance. A charge of up to 3% of the amount of the loan in addition to interest will apply.
We prefer clients to give us instructions in writing in order to avoid possible misunderstandings or disputes. We will however accept oral instructions provided they are subsequently confirmed by letter. Any advice we give you will normally be in writing but if given orally, will be recorded. Once we have acted on your instructions we will not normally give you any further advice. However, we will review your insurances periodically and may write to you suggesting a review meeting. You, or we, may terminate the authority to act on your behalf at any time without penalty. Notice of termination must be given in writing.
Alan B Kidd & Co Ltd is remunerated by commission and/or volume discounts and/or profit share agreement and/or a charge for arranging, or the provision of advice relating to Insurance. Details of remuneration are available on request. A fee is charged to cover the sourcing of the product, administration costs, claims handling, risk management advice and ongoing service of your business. Fees are expressed as a monetary amount or a percentage of premium. Where any risk or product falls outside our standard fee terms we will advise you accordingly in advance and an hourly rate will be will be charged instead. Our current basic hourly rate is €200 for Directors, Managers, Team Leaders and Consultants and €80 for support staff. In determining the rate and any additional charges, factors such as specialist skills, complexity, value, risk and urgency will be taken into account. You have the option to pay for our services in full by means of an agreed fee which would be greater than the normal 'Fee Structure' outlined in this document and in such event no commission would be taken by us from the Product Producer . Our normal fee structure for the management of your business is as follows:
(Where the charge is expressed in terms of a percentage such percentage is applied to the amount payable excluding optional covers and fee).
It is the policy of Alan B Kidd & Co Ltd to avoid any conflict of interest when providing business services to its clients. However, where an unavoidable conflict arises you will be advised of this before any business service is provided. If you have not been advised of any such conflict you are entitled to assume that none arises.
Alan B Kidd & Co Ltd will accept payments in cash, by cheque and by credit/debit card in respect of all classes of Non Life insurance in the circumstances permitted under Section 25G of the Investment Intermediaries Act, 1995. Alan B Kidd & Co Ltd is not authorised to accept cash or negotiable instruments in any other circumstances.
Premiums are due at inception or renewal date of a policy. The terms of the legislation relating to Financial Regulation impose very strict rules in respect of the payment of premiums to Product Producers/Insurance Companies. Premiums which have not been received from clients cannot be paid by us. Therefore to avoid policy cancellation, premiums must be paid strictly within agreed credit terms or otherwise immediately prior to inception of cover or at policy renewal date.
We reserve the right to instigate cancellation of a policy in the event of the following:
You, the customer can cancel your policy by notice in writing at any time. It may be that a rebate of premium is due to you but this is not always the case. For example, the policy may be subject to a minimum and deposit premium or short period rates may apply during the first period of insurance or if a claim is notified or in circumstances as advised to you. A motor policy can only be cancelled if the Certificate of Insurance and Disc for each vehicle is returned.
Product Producers (Insurers) normally reserve the right to cancel a policy at any time by sending written notification to your last known address. For full details you should refer to the policy document.
In the event of cancellation of a policy we will, on request send you any documentation or provide you with any information to which you have an entitlement.
Your Insurer may also cancel your policy in certain circumstances. These conditions are clearly outlined in all policy documents.
When your policy ceases or is cancelled, we will send you any documentation and information to which you are entitled, on request.
It is your responsibility to provide complete and accurate information for Product Producers (Insurers) when arranging an insurance policy and/or where a Statement of Fact is prepared or completed on your behalf. Failure to disclose any material information to the Product Producer (Insurer) could invalidate your policy cover or part of a claim may not be paid.
Your policy document will set out in detail what you should do in the circumstances of an accident or loss or event occurring which may give rise to a claim. It is important that your comply with the policy requirements or contact us so that we may forward the relevant information to the Product Producer (Insurer) on your behalf.
We will account to you for transactions effected on your behalf and will supply on request to you or your appointed agent, contract notes, vouchers and copies of entries in our records relating to your transactions. We undertake to maintain such records for six years from the date of each transaction and to treat all client records as confidential. We will register all transactions in your name unless otherwise agreed in writing.All documents of title in respect of all transactions will be forwarded to you by post as soon as possible after we receive them. Where a number of documents relating to series of transactions are involved the documents will normally be retained until the series is complete.
The Company has a written procedure in place for the effective consideration and handling of complaints. Any complaint should be addressed in writing to the Managing Director, Alan B Kidd & Co Ltd. This will be acknowledged within 5 working days of receipt, updates will be advised at intervals of not more than 20 working days and every effort will be made to resolve the complaint within 40 business days. The 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, contact may be made with the Irish Brokers Association, 87 Merrion Sq, Dublin 2 and ultimately you have the right to complain to the Financial Services Ombudsman, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2.
Investor Compensation Company Ltd (ICCL) Scheme
This firm is a member of the Investor Compensation Company Ltd (ICCL) Scheme established under the Investor Compensation Act, 1998. This legislation provides for the establishment of a compensation scheme and for the payment, in certain circumstances, of compensation to clients of firms covered by the Act. However, you should be aware that a right to compensation will only arise where 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. The amount of compensation payable is limited to the lesser of 90 per cent of the amount lost or €20,000.
Irish Brokers Association (IBA) Compensation Fund Ltd
As a member of the Irish Brokers Association (IBA), Alan B Kidd & Co 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 adequately to compensate any client of the member.
We maintain Professional Indemnity Insurance
Alan B Kidd & Co Ltd is a Data Controller as defined in the Data Protection Act 1988 and 2003.
We collect your personal details in order to provide the highest standard of service to you. We take great care with the information provided; taking steps to keep it secure and to ensure it is only used for legitimate purposes. To fulfil these objectives we may share information with other affiliated professionals. The information and other data provided to our office may be used to advise you of products and services we may offer from time to time.
You have the right at any time to request a copy of any ‘personal data ’within the meaning of the Data Protection Act 1988(as amended or re-enacted from time to time) that our office holds about you and to have any inaccuracies in that information corrected.
The laws of Ireland form the basis for establishing relations between you and Alan B Kidd & Co Ltd. All contracts, terms, conditions and communications relating to any policies you may arrange with this firm will be in English. The terms set out above apply to any service provided to you from 1st May 2011 and should the firm change its terms you will be notified in advance.
Failure to agree to these terms of business may mean issue of cover documents will be delayed and or you may be refused service
You may download and save a copy or print these Terms of Business for your records.
Please read and accept our terms of business
Emergency Contact Numbers!
