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Terms of Business

Effective from 1 January 2021

This document sets out the basis on which Easytrip Insurance will provide services to you, our valued client. By proceeding with your policy you agree to the terms as set out in this Terms of Business document. Please ensure that you have read and understood these terms and if you’ve any queries, please contact us.

These Terms of Business may be amended from time to time to reflect regulatory changes etc. and the up to date version will be available on our website and issued to you at the first opportunity.

About Easytrip

Eazypass Ltd trading as Easytrip Insurance (C51591) is regulated by the Central Bank of Ireland as an insurance intermediary registered under the European Union (Insurance Distribution) Regulations 2018.

Eazypass Ltd is subject to the Consumer Protection Code, Minimum Competency Code and Fitness & Probity Standards which offer protection to consumers. These Codes and our regulatory authorisation can be found on the Central Bank’s website centralbank.ie

What services do we offer?

We offer insurance on a limited analysis basis i.e. we provide services based on a limited number of contracts within the market.  We give you the most suitable product based on your requirements from the following product providers:

Service Provided

Car Insurance

Limited Analysis

AXA Ireland DAC
RSA Ireland DAC
Liberty Seguros
Prestige Underwriting Services (Ireland) Ltd
Patrona Underwriting Ltd
Aviva Insurance Ireland DAC
Footprint Underwriting DAC

Travel Insurance

Tied

Mapfre Asistencia Compania de Seguros y Reaseguros SA

Premium Finance

Premium Credit Ltd

We will assist you with queries in relation to your policy or in the event of a claim and we will explain the various restrictions, conditions and exclusions attached to your policy.

Statement of Charges

Our remuneration consists of commission from insurers on completion of business, a policy fee, or a combination of these methods. All premiums quoted will include government levy and policy fees as outlined below:

Policy Set-up Charge

Up to €100

Administrative

Up to €75

Mid-term Adjustment

Up to €75

Renewal Fee

Up to €100

Cancellation Charge

Up to €50

Unpaid Direct Debit/ Unpaid Cheque

Up to €10

Documentation

Up to €25

A summary of remuneration is available at www.easytrip.ie

Our Remuneration

We are remunerated by way of commission from the providers with whom we transact business. Pursuant to provision 4.58A of the Central Bank of Ireland’s September 2019 Addendum to the Consumer Protection Code, please see a summary of the details of all arrangements for any fee, commission, other reward or remuneration paid or provided to Easytrip Insurance which we have agreed with product producers on our website.

The firm applies a fee for administration services for Personal Lines policies, which varies depending on the administration service being provided to you. The details of these fees are outlined on the above Schedule of Fees notice which is also displayed at our offices and on our website. Fees applied are also clearly outlined on your quotation documentation and invoices. Please note these fees are non-refundable in the event of cancellation of your contract.

Premium Finance

If you require credit terms, the firm may be able to arrange premium finance on your behalf with credit finance provider(s) with whom we have a written agreement.  We may receive a commission from the credit finance provider for arranging this finance on your behalf.

Premium Handling

The firm will accept payments by credit/debit cards or electronic bank transfer in respect of all classes of insurance in the circumstances permitted under our regulatory authorisations. The firm is not authorised to accept cash or negotiable instruments in any other circumstances.  Premiums are due on or before the renewal/inception date 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 the firm does not receive your renewal payment on or before your renewal date, your policy will lapse and no cover will be in place.

Premium Rebate

The firm will refund any rebate that becomes due to you within 5 business days of receiving it or having been notified by the insurer that it is due to you.  Any rebate due to you will be paid in full and any charges will not be deducted without your prior written agreement in each case.

Your Policy Details

Your policy duration will be outlined in the policy schedule, insurance certificate and renewal notice.

You can make changes to your policy mid-term. Any mid-term changes will be calculated on the current rates at the time of the change. To cancel your policy, please inform us in writing and return the insurance certificate and disc. Cover will be cancelled on the date instructions are received.

If you need replacement documents, just let us know.

Disclosure of Information

Please be aware that any failure to disclose material information may invalidate your claim and render your policy void. You 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.

Consumer Insurance Contract Act 2019

This Act was implemented to protect consumers. There are obligations on you as the consumer and duties that you must fulfil at the various stages of the process of arranging and renewing your Insurance policy. So please read the following information very carefully and if you have any questions please ask a member of our staff.

New Business & Renewal

You may cancel a contract of insurance, by giving notice in writing to the insurer, within 14 working days after the date you were informed that the contract is concluded.  This does not affect the notice periods already provided under European Union (Insurance and Reinsurance) Regulations 2015 (S.I. No. 485 of 2015) or the European Communities (Distance Marketing of Consumer Financial Services) Regulations 2004 (S.I. No. 853 of 2004) which is 14 days in respect of general policies and only on sales that took place on a non-face to face basis (distance sales). Please refer to your policy document for the Cooling Off period specific to your policy.

The giving of notice of cancellation by you will have the effect of releasing you from any further obligation arising from the contract of insurance. The insurer cannot impose any costs on you other than the cost of the premium for the period of cover.

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.

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 you 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 both you and the insurer when the contract was concluded.

You 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.

You must notify the insurer of a claim within a reasonable time, or otherwise in accordance with the terms of the contract of insurance.

If you become aware after a claim is made of information that would either support or prejudice the claim, you are under a duty to disclose it. (The insurer is under the same duty).

If you make a false or misleading claim in any material respect (and know it to be false or misleading or consciously disregards whether it is) the insurer is entitled to refuse to pay and terminate the contract.

Where an insurer becomes aware that a consumer has made a fraudulent claim, they may notify the consumer advising that they are voiding the contract of insurance, and 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 any 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.

Conflicts of interest

It is the policy of our firm to avoid conflicts of interest in providing services to you. However, where an unavoidable conflict of interest arises, we will advise you of this in writing before providing you with any service. A full copy of our conflicts of interest policy is available on request.

Cooling off period

A consumer (as defined by SI No 853 of 2004) has the right to withdraw from an insurance policy (as defined under SI No 853 of 2004) within 14 days of the start date of the policy without penalty and without giving any reason. This is known as the cooling-off period. The right of withdrawal may be exercised by notice in writing to Easytrip Insurance, quoting your policy number 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, your insurer may charge for the period you are on cover. For motor insurance, the insurance certificate and disc must be received by Easytrip Insurance before the policy can be cancelled. Please note that any policy set-up charge is non-refundable if you choose to withdraw from the policy within the cooling-off period.

Default on payments

You are under a duty to pay your premium within a reasonable time, or otherwise in accordance with the terms of the contract of insurance.

We will exercise our legal rights to receive payments due to us from clients (fees and insurance premiums) for services provided. The firm will seek reimbursement for all payments made to insurers on behalf of clients where the firm has acted in good faith in renewing a policy of insurance for the client.

Insurers may withdraw benefits or cover in the event of default on payments due under policies of insurance or other products arranged for you. More details are contained in your policy documents or product terms.

Complaints

There may be times when you feel you did not get the service you expect from us. To help us resolve any issues, complaints should be made to heretohelp@easytrip.ie or Easytrip Ltd, Mulhuddart, Dublin15 D15 XWR3.

We will acknowledge your complaint in writing within 5 business days. We will investigate the complaint as swiftly as possible and we will update you at intervals of not greater than 20 business days starting from the date on which the complaint is made.  On completion of our investigation, we will provide you with a written report of the outcome. In the event that you are still dissatisfied with our handling of or response to your complaint, you are entitled to refer the matter to the Financial Services and Pensions Ombudsman (FSPO), Lincoln House, Lincoln Place, Dublin 2, Tel: 01 567 7000 Email: info@fspo.ie. A full copy of our complaint’s procedure is available on request.

Data Protection

We are subject to the requirements of the General Data Protection Regulation 2018 and the Irish Data Protection Act 2018. We are committed to protecting and respecting your privacy. We wish to be transparent on how we process your data and show you that we are accountable with the GDPR in relation to not only processing your data but ensuring you understand your rights as a client.

Data will be processed only in ways compatible with the purposes for which it was given and as outlined in our Data Privacy Notice; this will be given to all our clients at the time of data collection.

We will ensure that this Privacy Notice is easily accessible. See our website (easytrip.ie) or you can receive a hard copy or by telephone. Please contact us at heretohelp@easytrip.ie if you have any concerns about your personal data.

Compensation Scheme

We are members of the Investor Compensation Scheme operated by the Investor Compensation Company Ltd. The Scheme was 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 of compensation will only arise where money or investment instruments held by the 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.

For further information, contact Investor Compensation Company Ltd. at (01) 224 4955.

Call Recording

All calls, inbound and outbound, may be recorded and monitored for training and/or quality purposes, to verify information, assist in the complaints procedure and help prevent and detect fraud.

Effective from 1 January 2021

Irelands #1 Travel Insurance Provider