Authorised Status

Gunn Robinson O’Higgins Ltd. is regulated by The Central Bank Of Ireland as Insurance Brokers.


Gunn Robinson O’Higgins Ltd.
provide expert advice on Insurance matters and act on behalf of its clients and does not have any “tied” relationship with any Insurer or Institution that would act against the best interest of the client and thereby affect our capacity to offer expert advice and a wide product choice. The firm is a member of the Irish Brokers Association (IBA).

As Insurance Brokers, we provide the following services:-

We give comprehensive advice for all classes of non Life Insurance including (but not limited to) Personal Lines Insurance such as Household and Private Motor, Commercial Motor, Liability and Property Insurance. We have agencies with a broad range of Product Producers and can transact business with them. A list of our agencies is shown overleaf.


Complaints

Our company has in place a set, effective, written procedure for the handling of complaints made by clients. This guarantees that all complaints will be centrally recorded and complaints received in writing will be acknowledged within 14 days of receipt.

It is our policy that any complaint made against us will be fully investigated and the results of the investigation will be made available to the complainant in writing. It is our policy that any complaint will be handled swiftly and efficiently and brought to a satisfactory conclusion as soon as possible.

In the unlikely event that a client is still dissatisfied with our handling of the complaint or our response, the client may refer the matter to:

Irish Brokers Association	The Central Bank of Ireland	Financial Services Ombudsman’s Bureau
87 Merrion Square Dublin 2	P.O. Box 9138 College Green Dublin 2	3rd Floor Lincoln House Lincoln Place Dublin 2

Conflict of Interest

Gunn Robinson O’Higgins Ltd. has a policy to avoid conflicts of interest in their business dealings with clients. If such conflict arises, the matter will be brought to the attention of the client in writing prior to any business transaction.


Data Protection

This form is a Data Controller as defined in the Data Protection act 1998 – 2003. We take great care with your information to ensure it is used for legitimate purposes only. You may request a copy of any personal Data within act.


Statutory Codes

Gunn Robinson O’Higgins Ltd. is subject to, and complies with, the Consumer Protection code, Minimum competency code and the Fitness and probity standards as laid down by The Central Bank of Ireland. The details of these codes can be found on www.centralbank.ie


Consumer Protection

The company is a member of the Investor Compensation Company Limited (ICCL), which was established under the Investor Compensation Act 1998. This legislation provides for the establishment of a compensations scheme and for the payment, in certain cases, of compensation to clients of the forms covered by the act. In addition to this act Gunn Robinson O’Higgins Ltd. are bonded through their membership of the Irish Brokers Association for €250,000 in the aggregate with an Inner Limit of €100,000 per client.


Return Premiums

Return premiums usually arise if an insurance risk is reduced or a policy cancelled. We will refund any return premium due in full.


Handling Clients Money

Gunn Robinson O’Higgins Ltd. will accept payments in cash and by cheque in respect of all classes of Insurances, as permitted under Section 25 G of the Investment Intermediaries Act 1995.


Remuneration and Charges Policy

Gunn Robinson O’Higgins Ltd. is remunerated by commission and/or for fees for arranging (or the provision of advice) Insurance Products. Details of our commission are available on request and range from 0% to 25% depending on the product producer and the class of business. All premiums include 5% Government insurance levy with effect 1st January 2012. There is a charge of €25 made for all duplicate documentation. Scale of remuneration:
a) For Business, Household, Schemes, Motor, Travel and Personal Accident Policies a charge of a maximum 45%, minimum €30, applies to the premium. Fees, where charged, will be clearly shown.
b) Where Gunn Robinson O’Higgins Ltd. Provides consultancy services, contract analysis, surveys and claims handling fees may be charged. These will be based on the complexity of covers sought, time taken to produce the advice, the value of the product and urgency. Advice without placement of a contract is chargeable on a time disbursement basis. The amount of fees charged will be based on our current rates i.e. €300 per hour for managers and €150 per hour for support staff.
c) Where the Company arranges Premium Facilities for you, we may receive payment in respect of this service.
d) We may receive ‘overriding’ commissions from certain insurers. It is not specific or attributable to any single client, nor does it influence the placing of business with any particular insurer.


Receipts

Gunn Robinson O’Higgins Ltd. shall issue a receipt for each non-negotiable or negotiable instrument or payment received pursuant to Section 30 of the Investment Intermediaries Act 1995. These are issued with your protection in mind and should be stored safely.


Where the Client Fails to Pay

In the event that a client fails to pay within the credit terms agreed, the firm will advise the Product Producer and cover will be cancelled. Premiums are due on or before Renewal Date and under Central Bank legislation strict rules apply in the payment of premium to insurance companies. We will not be able to pay premium to insurance companies which have not been paid to us by you.

List of agencies held by Gunn Robinson O’Higgins Ltd.
1) ACE 2) Alan B.Kidd 3) Allianz 4) Aiken & Company 5) AON 6) AXA 7) Benchmark 8) BHP Insurances 9) Bloodstock U/W (Ireland) Limited 10) Brophy & Co. 11) Citynet Resources Limited 12) CCG Insurance Brokers 13) Chartis 14) Dolmen Insurance Brokers 15) Ecclesiastical 16) Euromarine 17) Finsure 18) First Ireland	19) Gogan Insurances Limited 20) Aviva 21) Irish Professional Risks – W.R Berkley 22) Lonsdale 23) O’Leary Insurances 24) Optis Insurances 25) Liberty Mutual 26) RSA Group 27) Securus Insurance Ltd 28) Setanta 29) Travelers 30) U.K Facilities 31) Willis 32) Windsor Insurance Brokers Ltd 33) Wrightway Underwriting Ltd 34) XS Direct Insurance Brokers Limited 35) Zurich

Acknowledgment of Receit of Terms of Business

I acknowledge receipt of these Terms of Business. I also authorise you to hold my Personal Data on file, to contact me in writing, by phone, or email in respect of Insurance matters

Signature of Client ________________________

Date ________________