Our terms of doing business are set out below.
Please view the full details of our remuneration basis, including our reduced commission and where fees may apply.
We are not responsible for cancelling any existing policies held within or outside of our agency for which you are choosing to replace. Remember never cancel your existing protection (life, serious illness, or income protection) policy until it has been confirmed that your new policy is on coverage. Also, never cancel an existing protection policy where improved terms are not provided based on full health disclosure.
However, it is your responsibility to read the policy documents, literature, and brochures to ensure that you understand the nature of the policy cover; particularly in relation to Income Protection and Serious Illness Cover policies.
One Quote Financial Brokers Ltd, reserve the right to amend our discounted percentage levels as they apply to market conditions at any time. Written proof must be provided of a cheaper quote, for any additional discount to apply.
It is in your 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 to your circumstances or failure to request a review may result in you having insufficient insurance cover.
We will provide annual assessments of the suitability of the insurance-based investment product which we have recommended to you. You will be personally assessed with regard to your attitude to investment risk on each and any lump sum investment or pension investment we arrange, but should your circumstances or risk attitude change you may also contact us anytime to discuss a free fund switch.
You have the right to withdraw from your life, pension, or investment contract within 30 from your policy inception date. To withdraw within this time written instruction from one or other policyholder must be sent to One Quote via letter or email. Any monies paid to the product provider/insurer will then be refunded accordingly and no cancellation fee will apply.
It is the policy of One Quote Financial Brokers Ltd t/a One Quote to avoid a conflict of interest when providing services to clients. Where an unavoidable conflict arises we will advise you of this in writing before providing any business services. If you have not been made aware of any such conflict you may assume that none arises.
One Quote is a member of the Investor Compensation Company Ltd (ICCL) Scheme established under the Investor Compensation Act, 1998 (as amended) (the “Act”). A right to compensation will only arise where money or investment instruments held by us on your behalf cannot be returned either for the time being or for the foreseeable future and where you fall within the definition of an eligible investor as contained in the Act. In the event that a right to compensation is established, the amount payable is the lesser of 90% of your loss, which is recognised as being eligible for compensation, or €20,000.
We will use your personal information only for the purpose for which you provide it. All such information will be held in accordance with the Data Protection Acts. We will take all reasonable steps to ensure that persons employed by us are aware of and comply with such legislation. We would like to be able to contact you by way of telephone, letter or email, in relation to any products which we might consider to be of interest to you. If you do not wish us to provide you with details of possible additional products, please let us know.
If you would like to talk to us about how we could improve our service, or if you are unhappy with the service you are receiving, please let us know by telephoning or writing to us. Any complaints will be responded to in writing. We will carefully consider any complaint as soon as we receive it and do all we can to explain the position to you. If we do not answer your complaint to your satisfaction, you may, of course, take up the matter with the Financial Services Ombudsman or the Pensions Ombudsman. We will respond to any complaint within 5 working days in writing.
The data will be processed only in ways compatible with the purposes for which it was given and as outlined in our Privacy Notice made available on your website. You have the right at any time to request a copy of any personal data within the meaning of the GDPR that our office holds about you and to have any inaccuracies in that information corrected. Please contact us at email@example.com if you have any concerns about your personal data.
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