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Quote Devil Terms and Conditions - Read HereUndeniabilityus on... (01) 254 1300 to talk to us well-nigh all of your Insurance needs. Or we'll undeniability you... PleaseSegregateHome Insurance Car Insurance Van Insurance Speciality Car Insurance LifeWarrantyMortgage Protection Pet Insurance Landlord Insurance Gadget Insurance Travel Insurance Wedding Insurance Young Driver Car Insurance Health Insurance Income Protection Motor Breakdown Get A Quote Home Insurance Life Assur. / Mort. Protection Gadget InsuranceMerchantryInsurance Car Insurance Speciality Home Insurance Travel Insurance Income Protection Van Insurance Pet Insurance Airbnb Insurance Motor Trade Road Risk Speciality Car Insurance Electricians Insurance Landlord Insurance Young Driver Car Insurance Retrieve House Quote My House Policy My Motor Policy Policy Documents News You are here: Home Page / Terms And Conditions Terms and Conditions Legal / Terms of Use NOTICE: PLEASE READ THIS DISCLAIMER AND STATEMENT OF TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS WEB SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS HEREIN. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS HEREIN, DO NOT ACCESS THIS WEB SITE, OR ANY PAGES THEREOF. COPYRIGHT © Quote Devil Ltd. 2018. ALL RIGHTS RESERVED. Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their wattle ("Web Content") is owned and/or licensed by Quote Devil Ltd. unless otherwise indicated. You may not use, reproduce, modify, transmit, distribute or publicly exhibit this Web Content without prior written permission of Quote Devil Ltd.. Terms of merchantry Including Schedule of Fees and Charges These terms of merchantry set out the understructure upon which Quote Devil Ltd (“the Company”) will provide Insurance and Financial Services to you. They moreover contain details of our regulatory and statutory obligations and the respective duties of both the visitor and you in relation to such services. This is an important document - please read thoughtfully and if you have any questions please contact yourWorthExecutive. Insurers is the joint word we use throughout this document to include the following: Insurance Companies, Product Producers, Insurance Intermediaries, Underwriting Agencies and Insurance Undertakings with whom we hold an organ appointment. If there are any material changes to the information in this document you will be issued with a revised reprinting as soon as possible Contact Details: Quotedevil Ltd, 22/23 Pembroke Street Upper, Dublin 2. Telephone: 01-2541300 Email: thebigman@quotedevil.ie. Website: www.quotedevil.ie Our Regulatory Status: Quote Devil Ltd is regulated by the CentralWallof Ireland (reference no.C45461) as an Insurance Intermediary under the European Communities (Insurance Mediation) Regulations, 2005 (as amended). As a Credit Intermediary authorised by the Competition and Consumer Protection Commission, we can unify premium finance for your personal or commercial insurance policies. Copies of our Authorisations are misogynist on request; alternatively the CentralWallof Ireland holds registers of regulated firms which can be viewed on their website www.centralbank.ie.The register of Credit Intermediaries can be viewed on www.ccpc.ie Statutory Codes: TheVisitoris subject to and complies with the Consumer Protection Code, the Minimum Competency Code and the Fitness and Probity Standards. These codes offer protection to consumers and can be found on the CentralWallof Ireland website www.centralbank.ie Our Services:UnstipulatedInsurance Services:Motor Insurance, Home Insurance, Travel Insurance, Pet Insurance, Gadget Insurance, Wedding Insurance and Motor Breakdown. Through our undeniability centre we offer translating to clients with regards to their unstipulated insurance needs. The telescopic of our research extends vastitude the appointments held, however, our product specific translating will be limited to the Insurers with whom we hold a written letter of appointment. A full list of our Insurers is misogynist on request. We do not offer translating via our website. Motor Trade Insurance:For Motor Trade insurance we compare a panel of 3 variegated insurers.MerchantryInsurance:ForMerchantryinsurance we compare a panel of 3 variegated insurers. Household insurance:For Household insurance we hold an visit with Zurich Insurance Ltd. Motor Insurance:For Motor insurance we self-mastery a pearly wringer of the market, comparing a panel of 14 variegated insurers. Travel Insurance:Our travel insurance policies are serried and administered by AIG Europe Limited and A R Brassington Ltd Pet Insurance, Gadget Insurance and Wedding Insurance:: Our Pet, Gadget and Wedding insurance policies are serried and administered by Blue Insurance Ltd. Health Insurance:For health insurance we hold an visit with Aviva Health Insurance Ireland Ltd Financial Services:We offer translating to our vendee from a selection of products misogynist to us from the Insurers with whom we hold a written letter of appointment. The telescopic of our research extends vastitude the appointments held, however, our product specific translating will be limited to the pursuit Insurers: New Ireland, Zurich Life, Royal London and Aviva Life. Credit Finance: if you require credit terms, we may be worldly-wise to unify premium finance on your behalf with Close Brother Premium Finance Ltd. As with any credit try-on terms and conditions will wield and your worth executive will be happy to sieve any questions that you may have with regard to these. We strongly teach that you read all documentation relating to such agreements surpassing inward into same. Licensed Insurers: The Company, only transact and recommend Insurers who are licensed by CentralWallof Ireland or European Insurers who are licensed under the EU directives on the self-rule of services. We winnow no responsibility for the financial standing or financial performance of any Insurer surpassing or without inception and will not be responsible in any circumstances in the event that they are unable for whatever reason to meet their obligations to you.Mismatchof Interest TheVisitorwill make a reasonable effort to stave conflicts of interest and when they cannot be avoided we ensure that our clients are fairly treated. If any potential mismatch of interest arises, we will teach you in whop of providing any service to you. Complaints TheVisitorhave a written complaints procedure for the constructive handling of complaints. We will unclose receipt of your complaint in writing within 5 working days. A written update will be issued to you every 20 days by a nominated individual within our firm. A comprehensive response will be issued within 8 weeks of receipt of your initial complaint. In the event of failure to resolve your complaint you may raise the matter with the Financial Services & Pensions Ombudsman 01 5677000 or info@fspo.ie. Our full complaints procedure is misogynist on request. Any complaints regarding the service you have received from any member of staff should be addressed in writing to Graham Weir (Company Director). Disclosure of InformationSurpassingyou enter into a policy with us, you have a duty to unroll 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 visualization whether to winnow the risk of insurance and if so, on what terms. A material fact is any fact, any previous claims, medical or otherwise, which poses an increase in risk to the underwriter and likely to influence the assessment, visa or duration of your insurance. If you are unsure of what a material fact is please discuss this with your Quote Devil advisor. Please note if you goof to unroll any material facts to the underwriter, this could invalidate your insurance cover, all/or part of the requirement may not be paid. Cooling-off Period Our insurance services are specified as contracts at a loftiness (non squatter to face) under the European Communities (Distance Marketing of Consumer Financial Services) Regulations 2004. You have the right to withdraw from your policy, within a specified period, without penalty. ForUnstipulatedInsurance products, this period is 14 days from the inception stage of your policy or the stage you receive your policy documents, whichever is later. To withdraw from a policy within the cooling-off period, you need to send us a request in writing inclusive of your policy number and for Motor Insurance, you must return (if received) yourDocumentof Insurance and Insurance Disc. Should you exercise your right to withdraw, it will midpoint no policy was overly put in place and provided that you have not made a claim, we will refund you any premium paid in full. For Motor Insurance, if you have used the policy and should you exercise your right to withdraw, provided that you have not made a claim, the Underwriter will tuition you for time on cover. Please note that our set up/renewal fee is non-refundable if you segregate to withdraw from the policy within the cooling off period. Investor CompensationVisitorLtd (ICCL) This firm is a member of the InvestorBountyScheme established under the InvestorBountyAct 1998. This legislation provides for the establishment of a bounty scheme and to the payment, in unrepealable circumstances, of bounty to clients of firms covered by the Act. However, you should be enlightened that a right to bounty will only upspring where money or investment instruments held by this firm on your behalf cannot be returned either for the time stuff or in the foreseeable future and where the vendee falls within the definition of eligible investor as contained in the Act. In the event that a right to bounty is established , the value payable is the lesser of 90% of your loss which is recognised as stuff eligible for bounty or €20,000. In wing to the bounty misogynist under the "InvestorsBountyAct, 1998", theVisitoris bonded through its membership of the IBA for €200,000 with an inner limit of €65,000 per client. Remuneration Policy TheVisitoris remunerated by legation on life and non-life insurance by the insurers to whom orders are transmitted for new business, on renewal of existing merchantry and/or based on the levels of merchantry introduced. We may, in some circumstances, tuition an wattle fee, a risk management fee, a requirement settlement fee or a combination of all three, these fees would be discussed and well-set in advance. Summary details of these payments will be included in the life insurance product information literature and documentation which you will receive surpassing an using form for a product is completed, and extended details will moreover be included with your cooling-off letter. Non-life insurance rremuneration details are misogynist on request. As a credit intermediary we are usually remunerated by the premium/credit finance provider on arranging finance on your behalf. We may be in receipt of remuneration of up to 4.9% of the yearly premium from the premium finance provider. Schedule of Fees and Charges: Fees Payable - Details of all fees will be shown on our invoices or renewal papers issued to you.  FACILITY  MOTOR, MOTOR TRADE & BUSINESS INSURANCE  HOME  TRAVEL  Setup Up to 100% - Minimum €50.00*  Up to 100% - Minimum €50.00*  Up to 100%  Renewal Up to 100% - Minimum €50.00**  Up to 100% - Minimum €50.00**  Up to 100%  Cancellation  €50.00  €50.00  €50.00  Enforced Cancellation  €50.00***  €50.00  €50.00  Temporary  Substitution  €15.00  N/A  N/A  Permanent  Substitution  €30.00  N/A  N/A  Temporary spare  driver  €15.00  N/A  N/A  Permanent spare  driver  €30.00  N/A  N/A  Letter of Indemnity  €Nil  €Nil  N/A  Duplicate Documents  €15.00  Up to €15.00  Nil  Policy suspension  €35.00  N/A  N/A  Home Insurance  Amendment  N/A  €35.00  N/A  Change of Address  €15.00  €15.00  €15.00  Reinstatement of  Finance  €35.00  €35.00  €N/A  Breakdown / Tool  Cover Up to €150.00  N/A  N/A  Re-issue of chequeValueequal to wall tuition  Amount equal to wall tuition  N/AWalltransfer of refund  €30.00  €30.00  €30.00   * % of the insurance premium and government levies, once you have paid your premium to us or serried finance for the premium through our finance partners our set up fee is non-refundable. ** % of the insurance premium and government levies, once you have paid your premium to us or serried finance for the premium through our finance partners our renewal fee is non-refundable. ***We will enforce cancelation of a policy due to, but not limited to non-payment, non-disclosure, provision of incorrect information or where the required documentation is not provided to us within the required timeframe. In respect of life warranty contracts the visitor is remunerated by legation which it may at its discretion rebate part thereof to the insured. It is a condition of all policies incepted that the discounted first years premium is paid in full and a completed uncontrived debit form in respect of the second and subsequent years premium (excluding discount) is provided with the application. If the premium is to be paid monthly for the first year it is not possible to avail of the discount. The monthly and yearly premium will be displayed by the site. All quotation indications provided on line are subject to receipt of a satisfactory completed proposal form and visa by the insurer. A medical report may be required. Handling Clients' Money We winnow payments in cash, by cheque/bank draft, credit/debit cards or electronic wall transfer in respect of all classes of Insurances where the Insurer has invited renewal of a policy, or wonted a proposal for insurance. We cannot winnow mazuma or negotiable instruments in any other circumstances. For unrepealable Insurance products we may request that all payments are made payable to the provider of the product in question. A receipt will be issued for all monies paid and clients should retain these in a unscratched place. We cannot pay a premium where the vendee has not paid us. Clients must pay at inception stage of a contract or on or surpassing renewal date, or as invoiced in the specimen of mid-term alterations. Insurers may cancel imbricate where clients goof to meet their obligations in relation to payment terms and conditions. Default by aVendeePremiums are due to be paid on or surpassing the renewal/inception/alteration.Pursuitnon-payment we retain the right to terminate the imbricate and secure refunds to venting the account. No organ transfer may be unauthentic until the worth is cleared in full. We may take legal whoopee to recover any monies due to us. Cancellation of Motor and Commercial Vehicle Policies Motor or commercial vehicle policies cannot be cancelled by us until we receive written instructions from the insured and we receive the document and windscreen disc for forwarding to the insurer. Government Insurance Levies All insurance premiums quoted on the Quote Devil website include the relevant Government Levy. On Mortgage Protection Insurance this is 1%. On Motor / Home Insurance Policies the Government levy is 5%. Data Protection We collect your personal details in order to provide the highest standard of service to you. We take unconfined superintendency with the information provided; taking steps to alimony it secure and to ensure it is used only for legitimate purposes. To fulfill these objectives we may share information with other united professionals. The information and other data provided to our office may be used to teach you of products and services we may offer from time to time. You have the right at any time to request a reprinting 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 well-nigh you and to have any inaccuracies in that information corrected. Get a Quote On... Home Insurance Car Insurance Van Insurance Life / Mortgage Specialist Home Pet Insurance Gadget Insurance Travel Insurance Wedding insuranceMerchantryInsurance Income Protection Motor Trade Road Risk Useful Links... Frequently Asked QuestionsWell-nighQuote Devil Partners Terms ofMerchantryContact Us Household Benefits & Assumptions Explanation of Jargon Sitemap Privacy Policy Statement Data Protection Policy Contact Us... Quote Devil Limited, 22/23 Pembroke Street Upper, Dublin 2 Email: thebigman@quotedevil.ie Call: 01 254 1300 Follow Us... (01) 254 1300 to talk to us well-nigh all of your Insurance needs. © Quote Devil Insurance 2018. Quote Devil Ltd is regulated by the CentralWallof Ireland, Quote Devil Ltd. is a sister visitor of First Credit Mortgages andMerchantryInsurance Broker Pembroke Insurances.