Terms & Conditions

Terms & Conditions

TERMS OF BUSINESS - RSA IRELAND INSURANCE DAC

Our Status

RSA is a registered business name of RSA Insurance Ireland Designated Activity Company (DAC).

RSA Insurance Ireland DAC is a designated activity company limited by shares registered in Ireland under number 148094 with registered office at RSA House, Dundrum Town Centre, Sandyford Road, Dundrum, Dublin 16, D16 FC92. Telephone Number: (01) 290 1000.

RSA Insurance Ireland DAC is a Non-Life Insurance Undertaking authorised by the Central Bank of Ireland under the European Communities (Non-Life Insurance) Regulations 1994 to carry on Non-Life Insurance Business.

RSA Insurance Ireland DAC is regulated by the Central Bank of Ireland. RSA is subject to the Central Bank’s Codes of Conduct which offer protection to consumers. These are the Consumer Protection Code and the Minimum Competency Code. These codes can be found on the Central Bank’s website www.centralbank.ie

RSA Insurance Ireland DAC is part of RSA Insurance Group plc.

Our Services

RSA provide insurance contracts, underwriting and risk management services for all the primary classes of non-life insurance

Cooling-Off Period / Right To Withdraw

RSA policyholders who are consumers for the purposes of the European Communities (Distance Marketing of Consumer Financial Services) Regulations 2004 have the right to cancel their policy as set out in these Regulations. This means that a consumer may cancel their policy within 14 days of (a) the day when the contract is entered into or (b) the day on which the consumer is given the contractual terms and conditions of the policy whichever is the later. In this situation RSA shall refund all money paid although RSA reserve the right to impose a charge in respect of services supplied.

Period of Insurance/Cancellation

Unless instructions to cancel are received the period of insurance in respect of any policy held with RSA will be the period specified by RSA in the Policy Schedule / Renewal notice.

Charges/Default

Customers entering into a contract of insurance with RSA will be charged an annual premium based on assessment and rating of the insurance risk and exposure. Please note that non-life insurance premiums are subject to a Government levy.

In some circumstances RSA may offer the facility of paying the annual insurance premium by instalment. Where this facility is available, a charge for payment by instalment may apply up to a maximum of 8% of the premium due.

Please note that the charge for payment by instalment is subject to change.

In the event of default by the customer (premium payment or non-disclosure of facts) RSA reserves the right, with notice to the customer, to withdraw insurance and cancel the policy immediately.

Conflict of Interest

It is our policy to avoid any conflict of interest when providing business services to our clients. If an unavoidable conflict arises we will advise you of this in writing before providing any business service. The RSA Conflicts of Interests Policy recognises the importance of identifying any potential conflicts of interest at the earliest stage. RSA promotes this Policy and monitors our business activities to ensure adherence to the Policy.

In the event that you have a complaint in connection with a perceived conflict of interest, you may avail of the Customer Complaints Procedure set out below.

Customer Complaints Procedure

We are committed to providing our customers with a high standard of service at all times. If you have a complaint in connection with company service, the details of your policy, perceived conflict of interest or treatment of a claim please contact your Insurance Broker or our Customer Service team at;

            RSA Insurance Ireland DAC
            RSA House
            Dundrum Town Centre
            Sandyford Road
            Dublin 16
            D16 FC92.

Telephone: 1890 290 100                   Outside Ireland:  00353 1 290 1000

Email: complaints@ie.rsagroup.com

In the event of your complaint not being resolved to your satisfaction you may contact The Insurance Information Service, Insurance Ireland, Insurance Centre, 5 Harbourmaster Place, IFSC, Dublin 1, DO1 E7E8. Telephone (01) 676 1820 or the Financial Services Ombudsman’s Bureau, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2, D02 VH29. Telephone 1890 882 090 or (01) 662 0899.

Contract Law

The parties to a contract of insurance covering a risk situated in the Republic of Ireland are permitted to choose the law applicable to the contract. This insurance contract will be governed by Irish Law.

Communications between you and us about this policy will be in English.

The insurer that you have entered into a contract with is RSA Insurance Ireland DAC.

Compensation

Please note that in the event of RSA Insurance Ireland DAC being unable to pay a claim you may be entitled to compensation from the Insurance Compensation Fund in Ireland.

Data Protection

RSA Insurance Ireland DAC recognise that protecting personal information including sensitive personal information, is very important and we recognise that you have an interest in how we collect, use and share such information.

Please read the following carefully as it contains important information relating to the information that you give us or has been provided to us on your behalf. If you provide information relating to anyone other than yourself, you are responsible for obtaining their consent to the use of their data in the manner outlined below.

What Does RSA do with Your Personal Data

Information you provide will be used by RSA for the purposes of processing your application and administering your insurance policy. RSA may need to collect sensitive data relating to you (such as medical or health records or convictions) in order to process your application and/or any claim made. All information supplied by you will be treated in confidence by RSA and will not be disclosed to any third parties except (a) to our agents, sub-contractors and re-insurers (b) to third parties involved in the assessment, administration or investigation of a claim, (c) where your consent has been received or (d) where permitted by law. In order to provide you with products and services this information will be held in the data systems of RSA or our agents or subcontractors.

RSA may pass your information to other companies for processing on its behalf. Some of these companies may be based outside the EEA, but in all cases RSA will ensure that its transfers of data are lawful and that your information is kept securely and only used for the purposes for which it was provided. Calls to RSA may be recorded for quality assurance or verification purposes.

Fraud Prevention, Detection & Claims History

In order to prevent and detect fraud and the non-disclosure of relevant information RSA may at any time:

  • Share information about you with companies within the RSA Insurance Group, other organisations outside the RSA Insurance Group including where applicable private investigators and public bodies including An Garda Síochána;
  • Check and / or file your details with fraud prevention agencies and databases, and if you give us false or inaccurate information and we suspect fraud, we will record this.

RSA may also search these agencies and databases to:

  • Help make decisions about the provision and administration of insurance, and related services for you;
  • Trace debtors or beneficiaries, recover debt, prevent fraud and to manage your insurance policies with RSA;
  • Check your identity to prevent money laundering, unless you furnish us with other satisfactory proof of identity;
  • Undertake credit searches and additional fraud searches.

Insurance Link Database

Information about claims (whether by our customers or third-parties) made under policies that we provide is collected by us when a claim is made and is placed on an insurance industry database of claims known as Insurance Link. This information may be shared with other insurance companies, self insurers or statutory authorities. This information includes the claimant’s name, address and date of birth and the type of injury or loss suffered.

Insurance companies share claims data:

  • to ensure that more than one claim cannot be made for the same personal injury or property damage
  • to check that claims information matches what was provided when insurance cover was taken out
  • when required, to act as a basis for investigating claims when our recorded information is incorrect or when we suspect that insurance fraud is being attempted.

The purpose of Insurance Link is to help us identify incorrect information and fraudulent claims and, therefore, to protect customers. RSA also reserve the right to use Insurance Link information at underwriting stage. More information about Insurance Link can be found at www.inslink.ie

Guidelines for sharing your information with other insurance companies, self-insuring organisations or statutory authorities are contained in the Data Protection Commissioner’s Code of Practice on Data Protection for the Insurance Sector which is available at www.dataprotection.ie.

Under the Data Protection Acts 1988 and 2003 you have a right to know what information about you and your previous claims is held on Insurance Link. If you wish to exercise this right, then please contact us at the address below.

How to contact us

On payment of a small fee you are entitled to receive a copy of the information we hold about you and to seek rectification of any inaccurate data. If you have any questions, or you would like to find out more about this notice you can write to the Data Protection Officer, RSA Insurance Ireland  DAC, Dundrum Town Centre, Sandyford Road, Dundrum, Dublin 16.

WEBSITE TERMS OF USE/COOKIES STATEMENT

Please read these Conditions of Use carefully. By accessing this web site you agree to be bound by these Conditions of Use. If you do not agree do not access this site. In particular, please note that unauthorised use or downloading of material from the website is absolutely prohibited.

Content

RSA Ireland Insurance DAC and/or any of its subsidiaries or subsidiary undertakings ("RSA") is providing this site on an "as is" basis and makes no representations or warranties of any kind with respect to this site or its contents and disclaims all such representations and warranties. In addition, RSA makes no representations or warranties about the accuracy, completeness, or suitability for any purpose of the information and related graphics published in this site. The information contained in this site may contain technical inaccuracies or typographical errors. All liability of RSA howsoever arising (whether in contract, tort or negligence) for any such inaccuracies or errors is expressly excluded to the fullest extent permitted by law.

This web site is operated and maintained in the Republic of Ireland and is therefore published from a Irish perspective. RSA is not publishing the web site for use in any jurisdiction where such publication or use is unlawful.

Cookies

Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. Some cookies are only placed on your machine for the duration of time you are browsing the site whereas others may be stored on your device and sent back to the originating website on each subsequent visit, or to another website that recognises that cookie. Cookies are useful because they allow a website to recognise a user’s device.

Cookies do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences, and generally improve the user experience. They can also help to ensure that adverts you see online are more relevant to you and your interests.

You can find more information about cookies, at www.allaboutcookies.org and www.youronlinechoices.eu.

Accepting or rejecting cookies

Most web browsers will accept cookies, but if you would prefer we did not collect data by this method, you can disable this function within your browser settings. If you want to delete any cookies that are already on your computer, please refer to the instructions for your file management software to locate the file or directory that stores cookies.

We use cookies to:

Collect information that will help us to distinguish visitors, to understand visitors’ browsing habits on our website and to improve their experience.
Compile statistical reports on website activity e.g. numbers of visitors and the pages they visit.
Collect information that will allow us to tailor advertising to make it more relevant for you, based on your previous interactions with our website.
Remember information about you when you visit our site. Some of the cookies are essential in order to provide our services to you.

Categories of Cookies

Below, we have set out the four categories of cookies that we use on our websites. These cookies are:

Strictly necessary cookies
Performance cookies
Functionality cookies
Targeting cookies

Some of our websites also include third party cookies, which are cookies not set by RSA. In each of the four categories above, we have specified where third party cookies are used.

The following types of cookies may be used during your visit to our website:

Performance cookies

These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. They also allow us to record and count the number of visitors to the website, all of which enables us to see how visitors use the website in order to improve the way that our website works. These cookies do not collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous. It is only used to improve how our website works.

Advice

The pages if the site are for information only and do not constitute financial or other professional advice in any way. We recommend that you seek advice from a financial consultant before making any financial or investment decisions. More details and full terms and conditions on all our products are available on request.

Data Protection

If you choose to complete one of our on line forms (where available), the details you provide will be held on computer by RSA and possibly and may be used to answer your query and to contact you about various RSA services which may be of interest to you. The information you provide may also be used while monitoring the progress of your enquiry within RSA and to register any subsequent sale of any or our products about which you have enquired. We also use such information to update our website for you and keep you informed of other product information and site developments if you have indicated any such preference.

Access to the site

We will use reasonable efforts to make our site and its content available to users, however we do not warrant or represent that access to this site will be uninterrupted, reliable or fault free.

We reserve the right in our sole discretion to deny users access to our site or any part of it without notice and to decline to provide the service to any user that is in breach of these conditions.

No damage arising from use

To the fullest extent permitted by law neither RSA nor any of its directors, employees or agents will be liable for damages arising out of or in connection the use of this site, the information in it or the unavailability of the site or its content. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and third party claims, save that nothing shall exclude or restrict liability for death or personal injury resulting from the negligence of RSA, its directors, employees or agents.

Alterations

RSA reserves the right at any time without notice to revise the contents of this site including these Conditions. Any changes to these Conditions will be posted on this site and by continuing to use this site following any such change you will signify that you agree to be bound by the revised Conditions.

Links to other sites

Certain links, including hypertext links, in this site will lead you to web sites or pages that are not under the control of RSA. Links are provided for convenience and inclusion of any link does not imply endorsements in any way of the site to which it links. RSA accepts no responsibility for information contained in any of the sites which can be accessed by hypertext link from these pages or for these sites not being available at all times.

Other links in this site will lead you to web sites or pages that are under the control of RSA group companies around the world. You should be aware that these web sites are maintained and operated locally and the contents and use of such web sites may be governed by the laws and regulation of countries other than the Irish and by our regional group companies' conditions of use and/or privacy policy. If you wish to know more about the conditions of use or privacy policies of these web sites please contact the relevant group company.

Copyright

All rights in the design, text, graphics and other materials on the site and the selection or arrangement thereof are the copyright of RSA or other third parties. Permission is granted to copy electronically and print in hard copy portions of this site solely for your own personal use. Any other use of materials on this site (including reproduction for purposes other than those noted above and alteration, modification, distribution, or republication) without the prior written permission of RSA is strictly prohibited.

Trade Marks

The RSA, rsagroup and rsagroup.com, rsagroup.ie trade marks, logos and get-up are owned by RSA Ireland Insurance DAC or by other companies within the RSA group. All other trade marks, product names and company names or logos cited herein are the property of RSA or their respective owners. No permission is given by RSA in respect of the use of any such trade marks, get-up, product names, company names, logos or titles and such use may constitute an infringement of the holder's rights.

Privacy policy

You agree to the use of any personal data we may hold on you in accordance with the terms of our Privacy Policy.

Force majeure

We shall not be liable to users for any breach of these conditions of use or any failure to provide or delay in providing our services through our site resulting from any event or circumstance beyond our reasonable control including, without limitation, strikes, lock outs and other industrial disputes, breakdown of systems or network access, fire explosion or accident.

Applicable Law

These conditions shall be governed and construed in accordance with Irish Law and any disputes shall fall within the exclusive jurisdiction of the Irish Courts. If any provision of these disclaimers and exclusions shall be unlawful, void or for any reason unenforceable then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.