Terms Of Business
The following Terms of Business set out the basis on which Dooley Insurances Limited t/a Dooley Insurance & Mortgage Brokers and The Dooley
Insurance Group (‘The Company’) will provide business services to you as a client of the Company. If you have any queries or need further clarification in
respect of any of these terms, please contact us. If any material changes are made to these terms, we will notify you. These terms are effective from
January 2026 and shall apply to any business services provided to you now, or at a future date.
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Contact Details: Dooley Insurances Ltd t/a Dooley Insurance & Mortgage Brokers The Dooley Insurance Group, Office Suite 2A, Sycamore
House, Osberstown, Naas, Co Kildare. Tel: 045 431642 / 431728 Fax: 045 434170 Email: info@dooleyinsurances.com web: www.dooleyinsurances.com
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The Company is regulated by the Central Bank of Ireland as Investment Intermediary under the Investment Intermediaries Act, 1995; and as an
insurance intermediary registered under the European Communities (Insurance Distribution ) Regulations, 2018 and as a Mortgage Intermediary
authorised under the Consumer Credit Act, 1995; and as Mortgage Credit Intermediary pursuant to the European Union (Consumer Mortgage Credit
Agreements) Regulations 2016 The Central Bank of Ireland holds registers of regulated firms. You may contact the Central Bank of Ireland on 1890 200
469 or alternatively visit their website at www.centralbank.ie. to verify our credentials. A copy of the Company’s Statement of Authorised Status is available
on request.
Code of Conduct
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Dooley Insurances Limited t/a Dooley Insurance & Mortgage brokers and The Dooley Insurance Group is subject to the Consumer Protection Code,
Minimum Competency Code and Fitness & Probity Standards which offer protection to consumers. These Codes can be found on the Central Bank’s
website www.centralbank.ie
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We are an Investment Intermediary. We are in an ideal position to place business with all the leading insurers and product providers with whom
we hold agency appointments. We are not tied to any specific institution and are therefore able to provide advice and choice. We have a list of the
Insurance and Assurance Companies with whom we hold an Agency available on request. The Company is also a member of Brokers Ireland
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The Company acts as a Broker which means that:
1. the principal regulated activities of the firm are provided on the basis of a fair & personal analysis of the market; and
2. You have the option to pay in full for our services by means of a fee.
Our Services
Our principal business is to provide advice and arrange transactions on behalf of clients in relation to General Insurance products, Health Insurance, Life,
Pensions & Investments, and Mortgages. A full list of insurers and product producers with which we deal is available on request.
Fair & Personal Analysis
The concept of fair & personal Analysis is derived from the Insurance Distribution Directive. It describes the extent of the choice of products and providers
offered by an intermediary within a particular category of life assurance, general insurance, mortgages, and/ or a specialist area. The number of contracts
and providers considered must be sufficiently large to enable an intermediary to recommend a product that would be adequate to meet a client’s needs.
The number of providers that constitutes ‘sufficiently large’ will vary depending on the number of providers operating in the market for a particular product
or service and their relative importance in and share of that market. The extent of fair & personal analysis must be such that could be reasonably expected
of a professional conducting business, taking into account the accessibility of information and product placement to intermediaries and the cost of the
search.
In order to ensure that the number of contracts and providers is sufficiently large to constitute a fair &personal analysis of the market, we will consider the
following criteria:
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the needs of the customer,
the size of the customer order,
the number of providers in the market that deal with brokers,
the market share of each of those providers,
the number of relevant products available from each provider,
the availability of information about the products,
the quality of the product and service provided by the provider,
cost, and
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any other relevant consideration.Where a Premium is €2,000 or less we may not undertake to rebroke a risk in the market, However , we undertake to
conduct a fair analysis of the market for similar risks and take a house view of the competitiveness of the premium.
We provide advice on Health insurance on a limited analysis basis (providing services on the basis of a limited number of contracts and product producers
available on the market).
We provide advice in relation to the following product provider:
Irish Life Health DAC.
We also provide some Investment products regulated under Markets in Financial Instruments (“MiFID II”) on a limited analysis basis, a list of these
providers is available on request. Where we offer these products to you, we will confirm this in writing to you.
We will provide assistance to you for any queries you may have in relation to the policies or in the event of a claim during the life of the policies and we will
explain to you the various restrictions, conditions and exclusions attached to your policy. However, it is your responsibility to read the policy documents,
literature and brochures to ensure that you understand the nature of the policy cover, particularly in relation to PHI and serious illness policies.
Specifically on the subject of permanent health insurance policies it is our policy to explain to you a) the meaning of disability as defined in the policy; b)
the benefits available under the policy; c) the general exclusions that apply to the policy; and d) the reductions applied to the benefit where there are
disability payments from other sources.
For a serious illness policy, we will explain clearly to you the restrictions, conditions and general exclusions that attach to that policy.
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The Company also provides a comprehensive Financial Planning Service. This includes the provision of financial planning advice and a wide
range of financial services products. These include Life Assurance, Income Protection, Serious Illness Cover, Pension Planning, Savings & Investments.
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The Company provides life assurance and pensions on a fair & personal Analysis basis i.e. providing services on the basis of a sufficiently large
number of contracts and product producers available on the market to enable us to make a recommendation, in accordance with professional criteria,
regarding which contract would be adequate to meet your needs.
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The Company is also authorised to arrange Mortgages through the lenders or undertakings with whom we hold an agency. The Company can
provide advice on and arrange products from the following range: fixed-rate loans, variable rate mortgages, capital & interest mortgages, interest only
mortgages, endowment mortgages, pension mortgages, and residential investment property.
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We will need to collect sufficient information from you before we can offer any advice on housing loans. This is due to the fact that a key issue in
relation to mortgage advice is affordability. Such information should be produced promptly upon request. We may receive commission of up to 1% (or
whatever maximum is applicable) of the loan for arranging mortgage finance. This commission is paid by the mortgage lender. We have a list of the lenders
with whom we hold an Agency available on request.
Sustainability Factors - Investment/IBIPS/Pension Advice
When providing advice, The Company considers the adverse impact of investment decisions on sustainability. As part of our research and assessment of
products, we will examine the Product Providers literature to compare financial products and to make informed investment decisions about ESG products.
The Company will at all times act in the client’s best interests and keep clients informed accordingly.
In accordance with the Sustainable Finance Disclosure Regulation (‘SFDR’), when providing advice on insurance-based investment products/Investments,
we assess in addition to relevant financial risks, relevant sustainability risks as far as this information is available in relation the products proposed/advised
on. This means that we assess environmental, social or governance events/conditions that, if they occur, could have a material negative impact on the
value of the investment.
We integrate these risks in our advice by reviewing the product provider literature in relation to sustainability risks, we liaise with the providers in relation to
any queries in relation to the funds. This information is reviewed by the firm on an ongoing basis.
Considering Principal Adverse Impacts (PAI) on sustainability factors in the advice:
When providing advice on insurance-based investment products (‘IBIPs’) or investment advice we assess the PAI information published by product
manufacturers as follows:
We will examine the Product Providers literature to establish the Principal Adverse Impacts for the relevant products. The firm will then compare financial
products across available providers to make informed investment decisions about the suitability of ESG products for individual clients.
Impact on Return
If sustainability risks -are deemed relevant:
We also assess the likely impacts of sustainability risks on the returns of the IBIPs on which we advise. We estimate that the likely impacts of sustainability
risks on the returns of Pensions/Investments are based on the returns in the product documentation provided by the product manufacturer.
Version January 2026Mortgages
The Company is also authorised to arrange Mortgages through the lenders or undertakings with whom we hold an agency. The Company can provide
advice on and arrange products from the following range: fixed-rate loans, variable rate mortgages, capital & interest mortgages, interest only mortgages,
endowment mortgages, pension mortgages, and residential investment property.
We will need to collect sufficient information from you before we can offer any advice on housing loans. This is due to the fact that a key issue in relation to
mortgage advice is affordability. Such information should be produced promptly upon request. We may receive commission of up to 1% (or whatever
maximum is applicable) of the loan for arranging mortgage finance. This commission is paid by the mortgage lender. We have a list of the lenders with
whom we hold an Agency available on request
Through the lenders or other undertakings with which we hold an agency, the Company can provide advice on and arrange mortgage products from the
following range: fixed-rate loans, variable rate mortgages, capital & interest mortgages, interest only mortgages, endowment mortgages, pension
mortgages and residential investment property.
The Company provides mortgage advice on a fair & personal Analysis basis (providing services on the basis of a sufficiently large number of contracts
and product producers available on the market to enable the firm to make a recommendation, in accordance with professional criteria, regarding which
contract would be adequate to meet your needs).We will need to collect sufficient information from you before we can offer any advice on housing loans.
This is due to the fact that a key issue in relation to mortgage advice is affordability. Such information should be produced promptly upon our 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 (except in the case of travel policies whose operative period is for one month or less), 30 days in the case of Life Assurance
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
Dooley Insurances Ltd 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 or for travel policies. Should this right be exercised the insurance company may charge for the period you are
on cover. For motor insurance the insurance certificate and disc must be received by Dooley Insurances Ltd before the policy can be cancelled. Please
note that the policy set up charge is non-refundable if you choose to withdraw from the policy within the cooling off period.
Payments
An invoice detailing the premium and any relevant taxes for the insurances will be sent to you. In order to ensure continuation of cover, settlement with
cleared funds must be made to us within the specified time period given. If you are unable to pay by the due date you must notify us. Failure to meet the
payment date may lead to insurers cancelling cover. Our service to you does not include payment to insurers of your due premiums from our own funds. If
you wish to pay your premium by instalments your details may be passed to our third party instalment provider. They will send you a welcome pack
detailing their full terms and conditions. If you have any questions about your instalments you should contact the provider direct on the contact number
provided. On renewal of your policy we will continue to pass your details to the third party provider unless you instruct us otherwise.
If any direct debit or other payment due in respect of the credit agreement you enter into with the provider to pay insurance premiums is not met when
presented for payment or if you end the credit agreement with the provider or if you do not enter into a credit agreement with the provider we will be
informed of such events by the provider. If you do not make other arrangements to pay the insurance premiums you acknowledge and agree that we may,
at any time after being so informed, instruct the relevant insurer to cancel the insurance (or, if this occurs shortly after the start or renewal of the insurance,
to notify the insurer that the policy has not been taken up). You will be responsible for paying any time on risk charge and putting in place any alternative
insurance and/or paying arrangements you need. There is no VAT charge on any insurance transaction.
Mortgage lenders may seek early repayment of a loan and interest if you default on your repayments. Your home is at risk if you do not maintain your
agreed repayments.
The Company will accept payments by cash, cheque, credit cards, laser, direct debit & Premium Finance in respect of all classes of insurance in the
circumstances permitted under Section 25 (G) of The Investment Intermediaries Act 1995. A Section 30 receipt will be issued for these payments. Return
premiums will be sent to you as soon as possible.
Default or Failure to pay
We will exercise our legal rights to receive payments due to us from clients (fees and insurance premiums) for services provided. In particular, without
limitation to the generality of the foregoing, 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.
Product producers may withdraw benefits or cover in the event of default on payments due under policies of insurance or other products arranged for you.
We would refer you to policy documents or product terms for the details of such provisions.
Mortgage lenders may seek early repayment of a loan and interest if you default on your repayments. Your home is at risk if you do not maintain your
agreed repayments.
Cancellation
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
Version January 2026is notified or in other circumstances as advised to you. A motor policy can only be cancelled from the date the Certificate of Insurance and Disc for each
vehicle are 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.
Disclosure of Information
Your duty of disclosure when completing documentation for new business/renewals and midterm adjustments
Section 14 (1) – (5) of the Consumer Insurance Contracts Act which is effective from 1st September 2021 alters consumers duty of disclosure:
You are required to answer all questions posed by us or the insurer honestly and with reasonable care – the test will be that of the ‘average consumer’
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Average consumer as per Directive No. 2005/29/EC of the European Parliament and of the Council of 11 May 2005 is reasonably well informed and
reasonably observant and circumspect, taking into account social, cultural and linguistic factors.
Specific questions will be asked. Where you do not provide additional information (after being requested to do so) it can be presumed that the information
previously provided remains unchanged.
An insurer may repudiate liability or limit the amount paid on foot of the contract of insurance, only if it establishes that non-disclosure of material
information was an effective cause of the insurer entering into the relevant contract of insurance and on the terms on which it did.
Completed proposal forms/statement of fact
Completed proposal forms or Statements of Facts will be provided to you. These are important documents as they form the basis of insurance contract
between the insurer and you the consumer. You should review and confirm that the answers contained within are true and accurate.
Commercial Customers: Non-Consumer Disclosure of Information
It is essential that you should bring to our attention any material alteration in risk such as changes of address or use of premises. Any failure to disclose
material information may invalidate your claim and render your policy void.
If you are ever in doubt about whether or not something needs to be disclosed please contact us to discuss the matter further. ,
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 and the firm will take all steps within its control to appropriately manage the conflict and
minimise the impact of the conflict on the consumer. A full copy of our conflicts of interest policy is available on request.
Remuneration
Non-Life
The Company is remunerated through commissions and other payments from insurers and product providers. Where we receive recurring commission this
forms part of the remuneration for initial advice provided.
We may also charge service fees and transaction handling charges. We confirm that these fees will not exceed 100% of the premium involved but can be
subject to a minimum of €75. In other circumstances where fees are chargeable or where you choose to pay in full for our service by fee, we will notify you
in writing in advance and agree the scale of fees to be charged if different from fees outlined in this notice.
The extent of the remuneration is determined by the complexity or otherwise of the matter under review. These services include product and provider
selection, risk management advice, specialist skills and claims handling, and will be outlined in our notice to you.
The max. remuneration chargeable in addition to the service fee/transaction charge is an hourly rate of €250 (OR UP TO100% OF THE POLICY
PREMIUM) in respect of General Insurance practitioning.
Mid term alterations to all General Insurance policies (Household / Motor) can result in an administration fee of €15.00
An additional administration fee in addition to the above of €75 will be charged on all policies that are paid via Premium Finance.
Any premiums paid via Premium Finance are subject to a minimum 1% rate up to a maximum of 5% rate charged in addition to the base rate.
There are no fees charged on Irish Life Health DAC.products.
Life, Pension & Life Wrapped Investments Fees
We are remunerated by commission and other payments from product producers on the completion of business.
You may choose to pay in full for our services by means of a fee. Where we receive recurring commission, this forms part of the remuneration for initial
advice provided. We reserve the right to charge additional fees if the number of hours relating to on-going advice/assistance exceeds 1 hr.
When assessing products, we will consider the different approach taken by product providers in terms of them integrating sustainability risks into their
product offering. This will form part of our analysis for choosing a product provider.
Version January 2026In certain circumstances, it will be necessary to charge a fee for services provided. These are listed below. In other circumstances where fees are
chargeable or where you choose to pay in full for our service by fee, we will notify you in writing in advance and agree the scale of fees to be charged if
different from fees outlined below. Where it is not possible to provide the exact amount, we will provide you the method of calculation of the fee.
If we receive commission from a product provider, this may/will be offset against the fee which we will charge you. Where the commission is greater than
the fee due, the commission may become the amount payable to the firm unless an arrangement to the contrary is made.
You may elect to deal with us on a fee basis.
Principles / Directors €454 per hour
Senior Advisers €227 per hour
Sales Staff €115 per hour
Support staff € 50 per hour
Additional fees may be payable for complex cases or to reflect value, specialist skills or urgency.
Mortgage Fee’s
If we provide mortgage advice and obtain a Loan Offer for you and you subsequently do not proceed with your mortgage application through our firm, we
will charge you a minimum arrangement fee of €495 for our services. Where the commission is greater than the fee due, the commission will become the
amount payable to the firm unless an arrangement to the contrary is made.
Commissions are clawed back in full or in part for mortgages redeemed typically within 3 years (or 5 years in the case of PTSB). We reserve the right, in
the event of a claw back, to bill the client for that same amount. This will become a legally enforceable debt in favour of the company.
We may also charge a fee for giving advice and/or helping prepare a file for application to a lender for mortgage. This file may be taken by you and used
for submission to any mortgage lender. This fee will be to a minimum of €495. The fee will be agreed in advance with you and will also be payable in
advance.
The fee will reflect the complexity, urgency and time required to prepare the mortgage file.
We may receive up to 1% (or whatever maximum is applicable) of the loan for arranging mortgage finance. This commission is paid by the mortgage
lender. Please note that lenders may charge specific fees in certain circumstances and if this applies, these fees will be specified in your Loan Offer. You
have the right to pay a fee separately and not include it in the loan. Typically, this situation arises in relation to specialist lending.
Summary of Remuneration and Commissions
Pursuant to Regulation 68 of the Consumer Protection Code, a summary of the details of all arrangements for any fee, commission, other reward or
remuneration paid or provided to the intermediary which it has agreed with Insurers or product producers” is available on our website.
Clawback
If we receive commission from a product provider [and off-set the commission against the fee which we would otherwise have charged you] but the
commission is subsequently clawed-back by the provider because of early encashment by you or because of the transferring of the assets or business to
another provider or in any circumstances consequent on your actions or omissions, we will charge a fee to you that is equal to [100% of] the clawed-back
commission. That fee will be owing in simple contract upon the claw-back of the commission.
Regular Reviews
It is in your best interests that you review, on a regular basis, the products which we have arranged for you. As your circumstances change, your needs will
change - you must advise us of those changes and request a review of the relevant policy so that we can ensure that you are provided with up to date
advice and products best suited to your needs. Failure to notify us of changes in your circumstances, or request a review, may result in you having
insufficient insurance cover and/or inappropriate investments. We would therefore advise that you contact us to ensure that you are provided with
up-to-date advice and products best suited to your needs.
Complaints
Any complaint that you may have in relation to the business service provided should be made in writing to the Company outlining the nature of your
complaint and marked for the attention of Tim Dooley, Managing Director. Any such complaint will be acknowledged within 5 business days. The
complaints procedures are laid out in the last section of this document.
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 Web: www.fspo.ie A full copy of our complaints procedure is available on our website and on request.
The person responsible for complaints in this firm is: Tim Dooley
Automatic Renewals
Any policies paid via Direct Debit or by Premium Finance will be automatically renewed unless instruction to the contrary is received from the client.
In the event that the policy is subsequently cancelled by the client after the renewal date, an administration fee of €60 will be charged.
Data Protection
Dooley Insurance Ltd is subject to the requirements of the General Data Protection Regulation 2018 and the Irish Data Protection Act 2018.
Version January 2026The Company is 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.
The data which you provide to us will be held on a computer database and paper files for the purpose of arranging transactions on your behalf. The data
will be processed only in ways compatible with the purposes for which it was given and as outlined in our Data Privacy Notice ( a copy of which is available
on our website or on request).
We would also like to keep you informed of insurance, investment and any other services provided by us or associated companies with which we have a
formal business arrangement, which we think may be of interest to you. We would like to contact you by way of letter, email or telephone call. If you would
like to receive to receive such marketing information, please complete the consent statements contained in the Terms of Business acknowledgement letter
attached.
You have the right at any time to request a copy of any ‘personal data’ within the meaning of the GDPR that our office holds about you and to have any
inaccuracies in that information corrected.
Please contact us at info@dooleyinsurances.com should you have any concerns about your personal data. Please refer to www.dooleyinsurances.ie for
our Privacy Notice.
Consumer Protection
Investor Compensation Scheme
The Company is a member of the Investor Compensation Scheme. This provides certain remedies to eligible clients on default by the Company. The
main details of the operation and conditions of the scheme are detailed below. The Investor Compensation Act, 1998 provides for the establishment of a
compensation scheme and the payment, in certain circumstances, of compensation to certain clients (known as eligible investors) of authorised investment
firms, as defined in that Act.
The Investor Compensation Company Ltd. (ICCL) was established under the 1998 Act to operate such a compensation scheme and our firm is a member
of this scheme. Compensation may be payable where money or investment instruments owed or belonging to clients and held, administered or managed
by the firm cannot be returned to those clients for the time being and where there is no reasonably foreseeable opportunity of the firm being able to do so.
A right to compensation will arise only:
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If the client is an eligible investor as defined in the Act; and
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If it transpires that the firm is not in a position to return client money or investment instruments owned or belonging to the clients of the firm; and
To the extent that the client’s loss is recognised for the purposes of the Act.
Where an entitlement to compensation is established, the compensation payable will be the lesser of:
90% of the amount of the client’s loss which is recognised for the purposes of the Investor Compensation Act, 1998; or
Compensation of up to €20,000.
For further information, contact the Investor Compensation Company Ltd. at (01) 224 4955.
Brokers Ireland Clients’ Compensation and Membership Benefits Scheme (BIC)
We are also members of the Brokers Ireland Clients’ Compensation and Membership Benefits Scheme (BIC). Subject to the rules of the scheme the
liabilities of its members firms up to a maximum of €100,000 per client (or €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 Investor Compensation Scheme has failed to adequately compensate any client of the member.
Further details are available on request.
CONSUMER INSURANCE CONTRACTS ACT 2019
Following the commencement of the Consumer Insurance Contract Act 2019 which was implemented to protect consumers. There is important information
that you should be aware of and we are bringing to your attention. 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.
Pre-Contract Stage
Before a contract of insurance is entered into, you as the consumer need to understand the following:-
If an insurer asks a specific question, it must be presumed the matter to which it relates is material to the risk undertaken by the insurer or the calculation
of the premium by that insurer, or both.
You as the consumer is under a duty to answer all the questions posed by the insurer honestly and with reasonable care. We are advising you that this is
extremely important to adhere to.
New Business & Renewal
Version January 2026A consumer may cancel a contract of insurance, by giving notice in writing to the insurer, within 14 days after the date the consumer was informed that the
contract is concluded. The insurer cannot impose any costs on the consumer other than the cost of the premium for the period of cover. (This does not
affect notice periods already in place, i.e. 30 days in respect of life policies and 14 days in respect of general policies under respective pieces of
legislation).
The consumer is under a duty to pay their premium within a reasonable time, or otherwise in accordance with the terms of the contract of insurance.
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 and 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 a consumer 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 the contracting parties when the contract was concluded.
The consumer 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.
The consumer must notify the insurer of a claim within a reasonable time, or otherwise in accordance with the terms of the contract of insurance.
If the consumer becomes aware after a claim is made of information that would either support or prejudice the claim, they are under a duty to disclose it.
(The insurer is under the same duty).
If the consumer makes a false or misleading claim in any material respect (and knows it to be false or misleading or consciously disregards whether it is)
the insurer is entitled to refuse to pay and to terminate the contract.
Where an insurer becomes aware that a consumer has made a fraudulent claim, they must notify the consumer advising that they are avoiding the contract
of insurance. 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.
Version January 2026Terms of Business Covering Letter
Client Name:
__________________________________
Dooley Insurances t/a Dooley Insurances & Mortgage Brokers and The Dooley Insurance Group
Status
Dooley Insurances Limited t/a Dooley Insurance & Mortgage Brokers and The Dooley Insurance Group (‘the Company’) is
regulated by the Central Bank of Ireland.
Terms of Business
Attached are the Company’s Terms of Business, which outline the basis on which we provide services to our clients. Please
ensure that you read this document carefully.
These Terms of Business apply to all business transactions undertaken for you or services to you and will remain in force
until further notice. Should we make any material changes to our Terms, we will advise you in advance of providing any
further services to you.
Privacy Policy & Consent
Here at Dooley Insurance Ltd we take your privacy seriously and will only use your personal information to provide the
products and services you have requested from us.
However, from time to time we would like to contact you with details of other General Insurance, Life Pension and
Investment products including offers and services that we provide.
If you consent to us contacting you for this purpose please tick to say how you would like us to contact you
Post ☐ Email ☐ Mobile/Telephone ☐ Text message ☐
I agree ☐
NOTE
You may opt out of this service at any time by writing to Info@dooleyinsurances.com
Customer Signature ……………………………………………………………………
Version January 2026Yours sincerely
_________________
Tim Dooley
Managing Director
Client acknowledgement
Terms of Business
I acknowledge that I have been provided with a copy of the Terms of Business of Dooley Insurances t/a Dooley
Insurances & Mortgage Brokers and The Dooley Insurance Group and confirm that I have read and understand them.
Signed:
Signed:
_________________________________________
Date: / /
Date: / /
