Terms and Conditions

Please read the following terms and conditions of use carefully and completely before using this site.

Access to No Nonsense's website is provided on the understanding that you expressly agree to be bound by these terms and conditions and to be subject to all additional disclaimers and caveats that may appear throughout the site. If you proceed to access the site, you are deemed to have accepted and are bound by these terms and conditions.

No Nonsense will attempt to keep the information contained on or accessible through this site timely and accurate, but makes no guarantees, and disclaims any implied warranty or representation, about its accuracy, relevance, timeliness, completeness, or appropriateness for a particular purpose. No Nonsense may change or modify the information, services and any other resources contained on or accessible through this site, or discontinue this site altogether, at any time without notice.

No Nonsense may modify this agreement at any time, and such modifications shall be effective immediately upon posting of the modified agreement. Accordingly, you agree to review this agreement periodically, and your continued use of this site shall be deemed your acceptance of the modified agreement.


Disclaimer of Warranty

No Nonsense disclaims all express or implied representations or warranties regarding the information, services, and any other resources available on or accessible through this site, including (without limitation) any implied warranties. All such information, services and other resources are made available "as is" and "as available" without warranty of any kind.

No Nonsense disclaims all responsibility and liability of any description, including without limitation liability for negligence, incidental or consequential damages and/or loss suffered by any person acting or refraining from action as a result of or in connection with material on this site, to include any reliance placed by such person on such material, or the viewing or use or performance of this site.

Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall No Nonsense be liable for any direct, indirect, special, punitive, incidental, exemplary or consequential damages or any damages whatsoever, resulting from any loss of use, loss of data, loss of profits, business interruption, litigation, or any other pecuniary loss, whether based on breach of contract, tort (including negligence), product liability or otherwise arising out of or in any way connected with the use or performance of this site with the delay or inability to use this site, including for the avoidance of doubt reliance on information provided on this site, with the delay or inability to use this site, or with the provision of, or failure to make available any information, services, products, materials or other resources available on or accessible through this site, even if advised of the possibility of such damages.

No Nonsense does not guarantee the sequence, accuracy, or completeness of any information or content on this or any other internet sites and shall not be liable in any way to you or anyone else who may use the information or content or to whom the information or content may be furnished, for any delays, inaccuracies, unavailability, errors or omissions therefrom or in the transmission or delivery of all or any part thereof or for any damage arising therefrom or occasioned thereby.

You acknowledge and agree that the limitation set forth above are fundamental elements of this agreement and the site would not be provided to you in the absence of such limitations.


Indemnification

You agree to indemnify, defend, and hold harmless No Nonsense from any liability, loss, claim, and expense (including reasonable legal fees) related to your violation of this agreement.


Miscellaneous

No Nonsense's failure to insist upon strict enforcement of any provision(s) of this agreement shall not be construed as a waiver of any provision or right.

No Nonsense serves No Nonsense customers, Irish residents and employers whose principal place of business is in Ireland. No Nonsense is licensed to underwrite insurance in the Republic of Ireland only and does not engage in the business of insurance outside Ireland, except as may be permitted by law.

This agreement and the resolution of any dispute related to this agreement or this site shall be governed by and construed in accordance with the laws of Ireland. Any legal action or proceeding between No Nonsense and you, related to this agreement or this site shall be brought exclusively in a court of competent jurisdiction sitting in Ireland.


Copyright

All materials on this server and this web site, including the site's design, layout and organisation are owned or licensed by No Nonsense and protected by copyright.

Only personal use of such materials is permitted, which means that you may access, download, or print such materials for your personal, non-commercial use only. You agree not to change or delete any copyright or proprietary notice from materials downloaded from this site or any site accessible through this site.

Without the prior written permission of No Nonsense you may not publish, copy, reproduce, distribute, transfer, or otherwise use any materials contained on this site, or any materials accessible through this site, in whole or in part. Requests for permission to publish, copy, reproduce, distribute, transfer or otherwise use such materials should be e-mailed to No Nonsense.

We process information provided by you, which may include your personal data and that of third parties. You allow us to collect your personal data and to monitor your driving behaviour if you avail of an insurance policy from No Nonsense (with or without the SmartDriver device) or when you download and activate the TopDriver Application (TopDriver App).

If you choose to avail of a SmartDriver device, we will provide you with a device to fit to your vehicle which will record anonymised data about your driving behaviour including the time, date, location coordinates, braking frequency and force, cornering and acceleration and those of any person driving your vehicle. Our Service Providers (DriverProfile Ireland Limited (DriverProfile)) who are located outside the European Economic Area will process and securely transmit the anonymised data over the internet to us to match with your personal data.

If you download the TopDriver App to your iphone or android mobile device we will provide you with a summary of your driving behaviour in the form of a score which will be displayed on your handset. We will process the personal data provided by you and gathered by your mobile device which comprises includes the time, date and location of your journey. The TopDriver App only records this data when you activate the TopDriver App and will continue to record until it is deactivated. The TopDriver App uses GPS data to locate your mobile device and GPRS data to transmit information to our Service Provider (MyDrive Solutions Limited (MyDrive)) who are located in Ireland and registered with the Information Commissioner's Office in the United Kingdom (registration number Z3137794) as a Data Controller. MyDrive will process your personal data and securely transmit it to us over the internet.


What are my data protection rights?

Your insurance policy is administered and underwritten by FBD Insurance plc, trading as No Nonsense. If you have any questions about our data protection and privacy practices, please write to our Data Protection Officer at:

The Data Protection Officer,
FBD Insurance plc, FBD House,
Bluebell, Dublin 12.

You've the right to request a copy of your personal data held by us. If you want to do this, write your request to the Data Protection Officer at the address given above. You should also send a cheque for €6.35 made payable to FBD Insurance plc.

If you believe there are any errors in the data we hold about you, you can contact our Data Protection Officer to have the data corrected, amended or blocked form our records. You can also object to the processing of your personal data, for example, for marketing purposes. If you contact us about your personal data, you may be asked to prove your identity before we can grant your request.

Further information about our obligations in relation to your information is contained in the Data Protection Commissioner's Code of Practice on Data Protection for the insurance sector.


What data do you process?

No Nonsense processes information provided by you, which may include your personal data and that of other people. You allow us to collect your personal data and to monitor your driving behaviour if you avail of an insurance policy from No Nonsense (with or without the SmartDriver device) or when you download and activate the TopDriver Application (TopDriver App).

If you decide to avail of a SmartDriver device, we will provide you with a device to fit to your vehicle which will record data about how the vehicle is being driven. This data will be recorded even if someone else is driving your vehicle. Our Service Providers (Drive Profiler Ireland Limited - Drive Profiler), who are located outside the EU, will process and securely transmit the data over the internet to us to match with your personal data.

If you download the TopDriver App to your iPhone or android mobile device, we will provide you with a summary of your driving behaviour in the form of a score which will be displayed on your handset. We will process the personal data provided by you and gathered by your mobile device which includes the time, date and location of your journey. The TopDriver App only records this data when you activate it and will continue to record until it is deactivated. The data is sent to our Service Provider (MyDrive Solutions Limited - MyDrive) who are located in Ireland and registered with the Information Commissioner's Office in the United Kingdom (registration number Z3137794) as a Data Controller. MyDrive will process your personal data and securely transmit it to us over the internet.


Why do you collect and use data?

We collect and use information in order to underwrite your insurance policy and when we are asked to pay a claim. We ask for different types of information depending on the kind of insurance being covered and the kind of claim we are being asked to pay. The information that you (or third parties) provide is held and used by us and the FBD group, which includes the No Nonsense brand and FBD Hotels (Ireland) Limited, for several purposes, such as:

  • confirming your identity;
  • quoting for and managing insurance and other products provided by us or other members of the FBD group;
  • underwriting policies and handling claims;
  • providing services such as car breakdown assistance;
  • installing, maintaining and contacting you about our SmartDriver device or TopDriver App;
  • doing market research and statistical analysis (see more on this on page 8);
  • detecting and preventing fraud and protecting our customers and ourselves from being the victims of fraud; and
  • meeting our legal obligations.

We also use other information from sources such as the Companies Registration Office, vehicle databases and Insurance Link (a central claims database for the insurance industry) to obtain additional details and to independently verify information you have provided to us. We may do this:

  • before we prepare a quotation;
  • when dealing with a claim; or
  • in the overall administration of insurance.

You can find more information about Insurance Link at www.inslink.ie

To detect fraud (and to prevent and protect FBD group companies from fraud) and to make sure that any payments or refunds can be paid to you, we keep your credit card and bank details for the duration of your insurance policy. By providing us with your financial details, you are agreeing to us doing this. If you (or a third party) make a claim under your insurance policy, the information you give us in connection with your claim application will be processed by us to confirm your identity and process your application. This information may contain sensitive personal data as well as data of others.


Do you share information?

To detect fraud (and to prevent and protect FBD group companies from fraud) and to make sure that any payments or refunds can be paid to you, we keep your credit card and bank details for the duration of your insurance policy. By providing us with your financial details, you are agreeing to us doing this. If you (or a third party) make a claim under your insurance policy, the information you give us in connection with your claim application will be processed by us to confirm your identity and process your application. This information may contain sensitive personal data as well as data of others.

This information includes the proposer's or claimant's name, address, date of birth, type of injury or loss suffered and property damaged. Through this database this information may be shared with other insurance companies, self-insurers or statutory authorities. These third parties may keep a record of your information.

If you don't accept a quote or application for an insurance policy of if your policy ceases, we can still keep the personal data you gave us for as long as is allowed by law. Information and data collected using the SmartDriver device or TopDriver App will be kept for up to six years after the conclusion of your relationship with FBD. This information may be shared in the ways we've described in this notice.


Why do I need to give accurate information?

It's important that you provide us with accurate and up-to-date information at all times (particularly when you're seeking insurance cover or are making a claim). If making a claim, incorrect or out of date information may prevent us from providing cover or may delay us in processing your claim. The provision of false information may mean that a claim made by you under the policy will not be paid and may result in criminal prosecution for fraud.

We may monitor and record telephone calls for training and verification purposes, to administer your insurance and in order to improve our service. We also do this to detect and prevent fraud.


Do you disclose personal data?

As outlined above, FBD group companies may share information (including claims information) with, for example:

  • other FBD group companies;
  • agents or other service providers;
  • other insurers and their agents;
  • industry, trade or regulatory bodies; or
  • the Insurance Link database (www.inslink.ie) and other databases operated by Insurance Ireland.

Why do you need sensitive data about me and others?

In order for us to offer you the best possible products and services, we'll need to collect sensitive information about you and other people connected to the insurance policy. This information might relate, for example, to medical conditions or criminal convictions. By accepting our data protection and privacy practices you agree to let us use your data in the ways we've described. You're also confirming that you have explained to any other person connected with the quotation or policy, how we deal with personal information.

All references in the Terms of Business which apply to you will also apply to any other person named for whom insurance cover or a quotation is required and details are given.


Will you use my details for direct marketing?

We would like us to use the details you've given us to provide you with information about other products and services from FBD group companies, including special offers from FBD Hotels.

To do this, we'd like to be able to contact you through a variety of means depending on the information we'd like to let you have. These include: mobile phone, landline, email, SMS (text message) and post. You can choose not to receive this type of information and your choice will not affect any of the services we provide to you now or in the future.

If you don't wish to receive this type of information in this way, please let us know by calling us on 1800 25 27 37.



Have a Question

What's changed

No Nonsense is a trading name of FBD Insurance plc. FBD insures more than half a million cars, homes and businesses and is renowned for offering great value and genuine customer service.

For new customers looking for a quote, we are offering Car and Home insurance under one brand - FBD.

Although No Nonsense is no longer providing quotes to new customers we are continuing to invite existing customers to renew with No Nonsense. So rest assured that if you decide to renew with us you'll be properly covered.

The Customer Service Representative I spoke to was extremely helpful. The process was very straight forward and efficient, and all questions I had were answered in a manner that was easy for a lay person to understand

Caralyn, Cavan

31/12/15

90% of Sales and Service calls answered within 20 seconds

Based on data from October-December 2015 (19,328 calls received)