We would also strongly recommend that you read our Data Protection Statement

The Terms of Business is issued for your protection and is required by the Central Bank of Ireland. 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

Who are NO NONSENSE INSURANCE?

No Nonsense 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 Central Bank of Ireland 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.

What service does NO NONSENSE INSURANCE offer?

We provide policies of motor and home insurance.

How can I contact NO NONSENSE INSURANCE?

For policy queries, contact us on:
Tel: 1890 25 27 37
Fax: 01 465 4245

Address:

PO Box 11225,
Dublin 12.

How can I pay NO NONSENSE INSURANCE?

No Nonsense will accept payment:

• Annually by Credit Card or Debit Card, or
• Monthly by Direct Debit instalments. Where Direct Debit instalments are selected, the initial instalment must be paid by credit card/debit card. The Direct Debit interest rate may be varied and will be notified to you prior to the completion of the Credit Agreement.

Quotation Period

Quotes given are valid for a period of thirty (30) days.

Premium Payment

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.

Duty of Disclosure:

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.

Cancellation Rights:

Home Insurance: Cancellation by you

You may cancel your Policy at any time by sending us cancellation instructions in writing. Provided no claim has occurred or is pending during the period of insurance, we will return premium to you as follows:

1. If instruction is received within 14 days of the date of you taking out cover, or the date you receive your Policy Schedule, whichever is the later, we will return your premium paid less a pro-rata premium for the period you have been on cover.
2. If instruction is received at any other time, we will return your premium paid less a pro-rata premium for the period you have been on cover less the administrative charge in accordance with our Administrative Charge Scale hereunder:

Car Insurance: Cancellation by you

You may cancel your 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 premium to you as follows:

1. If instruction is received within 14 days of the date of you taking out cover, or the date you receive your policy schedule and disc, whichever is later, we will return your premium paid less a pro-rata premium for the period you have been on cover.
2. If instruction is received at any other time, we will calculate the return premium in accordance with our cancellation scale hereunder:

Home and Car Insurance: Cancellation by us

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 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.

Charges/Refunds - Mid Term Amendments

Administration Fee:

We will apply a €25 administration fee for any amendments you make to your policy or any request for duplicate documentation.

Charges/Refunds - Mid Term Amendments

In addition to the Administration Fee of €25 described above, an amendment to your policy may increase or decrease the cost of your insurance cover. Where the cost of the cover change plus the Administration Fee is less than €15, no charge or refund will apply.

Claims

All claims will be dealt with fairly and efficiently within the terms of your Policy. NO NONSENSE 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. In respect of property insurances indemnity may be provided, at the option of the underwriter by reinstatement, replacement or repair, by nominated service providers or by payment representing such cost to the underwriter

Complaints

NO NONSENSE 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 recur.

If you would like to give us feedback on your experience with NO NONSENSE INSURANCE, or have a cause for complaint, please contact us on 1850 25 27 37 or info@nononsense.ie.

If the official is unable to rectify your problem you should write to:

The Customer Relations Manager,
NO NONSENSE INSURANCE,
P.O. Box 11225,
Dublin 12

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

• LoCall: 1890 88 20 90
• Phone: 01 662 0899
• Fax: 01 662 0890
• Email: enquiries@financialombudsman.ie
• Web: www.financialombudsman.ie

Governing Law and Language

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. All communications in respect of the policy will be in English.

Data Protection Statement:

This Data Protection Statement outlines how NO NONSENSE INSURANCE will use the information provided by you in connection with your NO NONSENSE INSURANCE.

Identity

NO NONSENSE INSURANCE is administered and underwritten by FBD Insurance Plc. 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.

Purpose

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.

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, investigators 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.

Where you indicate your consent during the full quotation process, 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.

Sensitive Data and Data Relating to Other Persons.

For the purposes of providing an insurance quotation we will need to collect sensitive data about you and other persons connected to the Insurances. Such sensitive data may relate to health conditions and or criminal convictions. The information is crucial to the underwriting of insurance. By taking out a policy with us, 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.