NOTE that the Instant Quote premium assumes an excess of €500 (can be adjusted by you later) and that your car is under 8 years old and that you meet the full Underwriting Crteria which is established through the full quotation process
In the process of providing a quotation we may verify claims information from an insurance industry claims database administered by the Irish Insurance Federation. We may also check vehicle details from the National Vehicles File sourced from the Department of Transport and a shared industry vehicles claims database administered by the Insurance Industry Federation. The use of external databases does not remove your obligation to answer all questions truthfully and tell us all facts likely to influence how we assess the insurance proposal.
The Terms of Business is issued for your protection and is required by the Financial Regulator. If you do not fully understand any of the content or wish to have more information on any of these matters, please let us know
No Nonsense Car Insurance is a trading name of FBD Insurance plc. The Company is registered in the Company Registration Office under Company number 25475 and is registered for Value Added Tax (VAT), registration no 9F 72885 E. FBD Insurance plc is authorised by the Financial Regulator as a non-life insurance company and is a member of the Irish Insurance Federation and subscribes to its voluntary code of conduct. The Registered Office of FBD Insurance Plc is at FBD House, Bluebell, Dublin 12.
We provide policies of motor insurance. The Private Motor Insurance Policy sold is underwritten by FBD Insurance plc.
For Policy queries, contact us on:
Tel: 1890 25 27 37
Fax: 01 465 4245
PO Box 11225,
Dublin 12
For Claims queries, contact us on 1890 25 27 39
No Nonsense will accept payment:
Quotes given are valid for a period of thirty (30) days.
If you pay by Direct Debit and do not keep up your payments, you will not be covered under this Policy from the date the premium was due.
All Renewal Notices shall be sent out 21 days in advance of your renewal date. Please notify us prior to renewal date if you do not wish to renew your Policy with us. To ensure that there is no interruption in cover, we will automatically renew your Policy and apply for payment from the Bank or other Financial Institutions we hold on record. If you do not wish to renew and we have applied for payment, we will make a full refund on receipt of proof of alternative insurance and return of the current Certificate and Disc on issue.
You are under a duty to tell us all facts likely to influence how we assess, and if we accept, your proposal. If you fail to pass on any documents or information required, act dishonestly or outside of the terms of the contract or agreement we may cancel your Policy, declare the Policy to be void and refuse to pay any claim under the Policy. If you are in any doubt whether certain facts are important please ask us.
You may cancel the Policy at any time by sending us cancellation instructions in writing and returning the Insurance Certificate and Disc on issue. Provided no claim has occurred or is pending during the period of insurance, we will return to you premium as follows:
| Period of cover not exceeding | 1 Month | 3 Months | 6 Months | 9 Months | Over 9 Months |
|---|---|---|---|---|---|
| % Refundable | 80% | 60% | 40% | 20% | No refund |
If we have to cancel your Policy, we will send you ten days notice of cancellation by registered letter to your last known address and in such an event provided no claim has occurred, we will return to you the premium paid for the period of insurance still left to run on the policy.
We will apply a €50.00 administration charge to any policy that is taken out and subsequently cancelled by us because the information given to us was incorrect or where any requested documentation required to complete the Contract is not submitted.
We will apply an administration charge of €25 for any amendment you make to your Policy or any request for duplicate documentation.
All claims will be dealt with fairly and efficiently within the terms of your Policy. NO NONSENSE CAR INSURANCE will make every effort to ensure you are provided with a high level of customer service. You are reminded that you will be responsible for an initial amount known as an Excess which will be highlighted to you at the point of sale and shown on your Policy documentation.
NO NONSENSE CAR INSURANCE values your feedback especially if we fail to deliver a high standard of service. Your feedback provides us with an opportunity to rectify a problem and ensure it does not re-occur.
If you would like to give us feedback on your experience with NO NONSENSE CAR INSURANCE, or have a cause for complaint, please contact us.
If the official is unable to rectify your problem you should write to:
The Customer Relations Manager,
NO NONSENSE CAR INSURANCE,
P.O. Box 11225,
Dublin 12
who has ultimate responsibility for complaints handling.
If you are not satisfied with our response or, indeed, how the complaint has been handled, you may refer the matter to the Underwriter without prejudice to your rights in law. Please write to: The Insurance Director, FBD Insurance plc, Bluebell, Dublin 12. If we have given you our final response and you are still dissatisfied, you may refer your case to:
Financial Services Ombudsman’s Bureau, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2
The Laws of Ireland will apply to your Policy and the Irish Courts will have jurisdiction to hear any dispute regarding your Policy unless otherwise agreed by us and stated on your Policy Documentation. Policy documentation and all communications in respect of the Policy will be in English
This Data Protection Statement outlines how No Nonsense Car Insurance will use the information provided by you in connection with your No Nonsense Car Insurance.
No Nonsense Car Insurance is administered and Underwritten BY FBD Insurance Plc. At all time FBD Insurance remain the ultimate Data Controller. In this Data Protection Statement “The Company”, “We” “Us” and “Our” refers to FBD Insurance Plc. If you have any enquiry about the data protection and privacy practices please write to:
Data Protection Officer, FBD Insurance PLC, FBD House, Dublin 12.
All personal information is held under the strictest confidence and used only for the purposes for which we collect. Under section 4 the Data Protection Acts you have a right to receive a copy of personal data held by us. A Request should be made in writing and accompanied by a fee of €6.35 (cheques should be payable to FBD) , to the Data Protection Officer at FBD House, Dublin 12. You also have the right to require us to correct any inaccuracies in the information.
The information that you provide will be held by FBD Insurance plc and used for the purposes of providing and servicing insurance products including activities such as Underwriting, Processing, Claims Handling and the provision of services, such as Car Breakdown Assistance, Undertaking Market Research and Fraud Prevention or Detection.
We may share information with agents or service providers, other Insurers and their agents, industry trade or regulatory bodies in connection with quoting, providing and servicing insurance products you have purchased from us.
To prevent fraud and to ensure that any payments or refunds can be paid to you, we keep your credit card and bank details for the duration of your Policy. By providing us with your financial details, you are consenting to us doing so.
We may use your information for direct marketing purposes by post, telephone, e-mail or text message to keep you advised of other products and services within the FBD Group, unless you have indicated otherwise to us at quotation stage or indeed at any time thereafter.
In the event of you having to make a claim under your Policy, the information you provide to us as part of your claim application will be processed by us to confirm your identity and process your application. To this end it may be necessary to share your information with our services providers and with certain third parties, and to cross-reference this information against relevant insurance industry registries and publicly available databases. These third parties may retain a record of your information.
We may monitor and record telephone calls in order to improve our service and to prevent and detect fraud.
For the purposes of providing an Insurance quotation we will need to collect sensitive Data about you and other named drivers relating to Medical or Health Conditions, Criminal convictions. The Information is crucial to the underwriting of Motor Insurance. By Proceeding with this quotation you are representing to us that you have been granted authority to disclose information sought in respect of each person for whom cover/quotation is required and accordingly all references in these statements which apply to you shall also apply to any other person named for whom cover/quotation is required and details are given.