Terms of Business
These terms of business set out the basis on which PJF Insurances Limited will provide services to you, our valued client. These Terms of Business apply to clients who purchase Non-Life Insurance and Life Assurance, Pensions and Investment products from us.
By proceeding with your policy through PJF insurances Limited you agree to the terms as per this Terms of Business document. Please ensure that you both read and understand these terms and if there are any aspects you do not understand or if you have any queries whatsoever, please do not hesitate to contact us.
This Terms of Business document super-cedes with immediate effect any others that we have previously issued to you.
Authorisation with the Central Bank of Ireland
PJ Fitzgerald Insurance. T/A P.J.F Insurances Limited is regulated by the Central Bank of Ireland as an Insurance Intermediary and is registered under the European Union (Insurance Distribution) Regulations 2018. In addition, PJ Fitzgerald Insurance is authorised as a Credit Intermediary under the Consumer Credit Act, 1995 (as amended).. PJ Fitzgerald Insurance is a member of Brokers Ireland (BI).
Codes of Conduct
We are subject to the Consumer Protection Code, Minimum Competency Code and Fitness and Probity Standards which offer protection to consumers. The Codes can be found on the Central Bank’s website www.centralbank.ie.
What do we do? Our Services
PJ Fitzgerald Insurance provides a full range life & non-life Insurance advice to the commercial and personal sectors including:
• The placing of insurance contracts and related claims handling and risk management services.
• We will also arrange credit facilities for clients.
• Offering advise to clients based on a fair & personal analysis of the available market to PJ Fitzgerald Insurance
Regular Reviews
It is in your best interest 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 contact us in relation to changes in your circumstances or failure to request a review, may result in you having insufficient insurance cover and/or investments which may no longer be suitable for you due to changes in your needs, objectives and attitude to risk.
Documentation:
PJ Fitzgerald Insurance will issue all relevant Insurers documents to its clients. These should be read to ensure that they are in accordance with the insurance requirements. It is also of vital importance that these documents be retained in a safe place as these documents are the basis of the contract between the Insured and the Insurer. For the full details of the cover terms and conditions please refer to the policy documents.
Life, Pensions & Investment
We provide advice on a fair and personal analysis basis, which means we review a wide range of products available in the market, and place business, in relation to all classes of life insurance business with product producers with whom we hold an agency. Life insurance policies include term assurance, mortgage protection, income protection, critical illness cover, pensions (including PRSA’s), savings and investments. A list of these product producers is available on request.
Periodic Assessment of Investment Products We do not conduct a periodic assessment of the suitability of insurance-based investment products on an ongoing basis unless instigated at your request. However, 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 or investment so that we can ensure that you are provided with up to date advice and products best suited to your needs. Failure to contact us in relation to changes in your circumstances or failure to request a review, may result in you having insufficient insurance cover and/or inappropriate investments.
Our Remuneration
Remuneration is the payment earned by us for work undertaken on behalf of you and our product providers. Our remuneration is generated from a combination of commissions (or other payments) paid by product providers and brokerage fees paid by clients for our professional services.
Fee & Charges Scale
Product Minimum Fee Maximum Fee
Private Motor €60 60% of premium
Small Commercial Vehicle (upto 3.5 Tonne)
€60 60% of premium
Household €60 60% of premium
Other Personal Insurance Products
€60 60% of premium
Commercial Insurance minimum €150 60% of premium
Consultation Fee €100 per hour 60% of premium
Cancellation Fee €40 60% of premium
Mid Term Adjustment/Administration Fee €40 60% of premium
Reinstatement Fee €40 60% of premium
Duplicate Documentation/Addl Insurer Letters €25 20% of premium
Return of Premium €40 20% of return premium
Direct debit/ Premium finance defaults €40
Dishonoured Cheques:
PJF Insurances will charge a minimum of €15 for a cheque received from the client which is subsequently dishonoured by the bank.
Amounts under €25
Where, following the completion of a transaction on your behalf, a balance exists on your account which does not exceed €25, we may write this amount off in our accounts as an additional administration fee.
Credit Intermediary: PJ Fitzgerald Insurance may be in receipt of commission from Finance Ireland Premium finance & Close Premium Finance Ireland Ltd. for credit facilities in respect of insurance policies arranged for clients of the Company. The Company can arrange suitable premium financing with an approved institution subject to terms and conditions. Premium Payments: Premiums may be paid by cash, cheque, bank draft, Credit or Debit card and by Electronic Bank Transfer (EFT).
Premium Payments:
Premiums may be paid by cash, cheque, bank draft, credit or debit card and by Electronic Bank Transfer (EFT).
Receipts:
PJ Fitzgerald Insurance will issue a receipt for all payments received in accordance with the Central Bank of Ireland’s Consumer Protection Code. These receipts are issued for our clients protection and should be held safely by the client.
Handling Clients Money:
PJ Fitzgerald Insurance We accept payment by credit or debit card, by electronic fund transfer, cash, cheque. Monies received from clients are retained in our client premium account, which is a bank account solely for client monies.
Anti-Money Laundering/Counter Terrorist Financing
PJ Fitzgerald Insurance reserves the right to request any information necessary under the Criminal Justice (Money Laundering and Terrorist Financing) Act 2010, as amended by The Criminal Justice (Money Laundering and Terrorist Financing) (Amendment) Act 2021. Any suspicious transactions identified will be reported to the relevant authorities.
Credit Terms: PJ Fitzgerald Insurance operates a policy of strict credit control and premiums must therefore be paid in full on or before the renewal/inception/alteration date of the cover. We regret that credit cannot be extended to clients in respect of premiums, initial renewal or any additional.
Premiums must be paid at inception of cover, and renewal premiums, before the policy renewal date. Otherwise, the company will advise the Insurance undertaking or product producer involved and cover will be cancelled. Your individual policy document will contain details of default remedies and actions of the particular insurance undertaking in the event of your non-payment. On receiving your policy document you should read the terms and conditions applicable in detail.
In order to protect the interests of their clients PJ Fitzgerald Insurance are prevented by financial regulation from paying any premiums to Insurers, which have not been paid to PJ Fitzgerald Insurance. We will exercise our legal rights to receive payments due to us from clients (fees and insurance premiums) for services provided.
Termination of service
Our services may be terminated for one policy or across the range of policies for which we act as your insurance broker (within regulatory rules) without cause or penalty by either us or you by giving one month’s notice of termination to the other or as otherwise agreed. With effect from the date of termination and in the absence of any express agreement to the contrary, we will have no obligation to perform any other services for you.
Conflict of Interest:
It is the policy of PJ Fitzgerald Insurance to avoid Conflict of Interest when providing services to clients. Where an unavoidable conflict arises then, we will advise you of this in writing before providing any business service. If you have not been advised of any such conflict then, you may assume that none arises. A full copy of our conflicts of interest policy is available on request.
Call Recording
All calls, inbound and outbound, may be recorded and monitored for training and / or quality purposes, to verify information, and help prevent and detect fraud.
Data Protection:
PJ Fitzgerald Insurance complies with the requirements of the General Data Protection Regulation 2018 and the Irish Data Protection Act 2018. PJ Fitzgerald Insurance 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 will be processed only in ways compatible with the purposes for which it was given and as outlined in our Data Privacy Notice, which can be seen on our website pjfitzgeraldinsurance.com
Complaints
Customer service is important to PJ Fitzgerald Insurance and we aim to resolve complaints fairly and as quickly as possible. If you have a complaint in relation to the services provided by us, you should write to us at info@pjfitzgerald.ie with your details and outlining the nature of your complaint. We will acknowledge your complaint within 5 working days. If a complaint relates to any 3rd party we will advise them within 2 working days. We will also inform you of the name of one or more individuals who will serve as your point of contact in relation to your complaint until it has been resolved or cannot be progressed further. We shall investigate the complaint as swiftly as possible, and the complainant will receive an update on the complaint at intervals of not greater than 20 working 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 within 5 working days. If 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, contact details are shown later in this document.
Contact Details
PJ Fitzgerald Insurance
27 Pearce Street, Kinsale, Co Cork, P17 HT29
T: 021 4772332
E: info@pjfitzgerald.ie
Please note: This Terms of Business letter supercedes with immediate effect any others that we have previously issued to you.
I/we acknowledge receipt of this Terms of Business letter that I/we have read through and understand these terms. I/we accept the Terms of Business offered to me/us by PJF Insurances Limited and agree to be bound by those terms in all my/our dealings with this firm.
Terms of Business as updated, valid from 01/05/2026.