Business Hours

09:00 am - 05:00 pm
Monday to Friday

Block B,

Maynooth Business Campus,
Co. Kildare

Welcome to JD Insurances – a completely independent Irish owned Insurance Broker based in Dublin & Kildare

Business Hours

09:00 am - 05:00 pm
Monday to Friday

Block B,

Maynooth Business Campus,
Co. Kildare

Terms Of Business

Terms of Business – affective from July 2019

JD Insurances Limited.

These Terms of Business set out the general terms under which our firm will provide business services to you and the respective duties and responsibilities of both the firm and you in relation to such services. Please ensure that you read these terms thoroughly and if you have any queries we will be happy to clarify them. If any material changes are made to these terms we will notify you.


Authorisation with the Central Bank of Ireland

JD Insurances Limited is regulated by the Central Bank of Ireland as an insurance intermediary registered under the European Communities (Insurance Mediation) Regulations, 2005; as a Multi-Agency Intermediary. Copies of our regulatory authorisations are available on request. The Central Bank of Ireland holds registers of regulated firms. You may contact the Central Bank of Ireland on 1890 777 777 or alternatively visit their website at  to verify our credentials.


Codes of Conduct

JD Insurances Limited is subject to the Consumer Protection Code, Minimum Competency Code and Fitness & Probity Standards which offer protection to consumers. These Codes can be found on the Central Bank’s website


Our Services

JD Insurances Limited is a member of Brokers Ireland. As a member of Brokers Ireland we must be in a position to place insurance with at least five insurers of the relevant form (non-life) and therefore can generally give consumers greater choice than agents and tied agents.


Our principal business is to provide advice and arrange transactions on behalf of clients in relation to general insurance products. A full list of insurers, product producers and lending agencies with which we deal is available on request.


JD Insurances Limited acts as an Independent Broker which means that:


  1. a) the principal regulated activities of the firm are provided on the basis of a fair analysis of the market; and
  2. b) you have the option to pay in full for our services by means of a fee.


Fair Analysis

The concept of fair analysis is derived from the Insurance Mediation Directive.  It describes the extent of the choice of products and providers offered by an intermediary within a particular category of life assurance, general insurance, mortgages, and/ or a specialist area.  The number of contracts and providers considered must be sufficiently large to enable an intermediary to recommend a product that would be adequate to meet a client’s needs.

The number of providers that constitutes ‘sufficiently large’ will vary depending on the number of providers operating in the market for a particular product or service and their relative importance in and share of that market.  The extent of fair analysis must be such that could be reasonably expected of a professional conducting business, taking into account the accessibility of information and product placement to intermediaries and the cost of the search.

In order to ensure that the number of contracts and providers is sufficiently large to constitute a fair analysis of the market, we will consider the following criteria:

  • the needs of the customer,
  • the size of the customer order,
  • the number of providers in the market that deal with brokers,
  • the market share of each of those providers,
  • the number of relevant products available from each provider,
  • the availability of information about the products,
  • the quality of the product and service provided by the provider,
  • cost, and any other relevant consideration.



JD Insurances Limited can provide advice on and arrange products from the following range but not limited to: household, motor, commercial, public liability, employer liability, and travel insurance. JD Insurances Limited provides general insurance on a fair analysis basis (providing services on the basis of a sufficiently large number of contracts and product producers available on the market to enable the firm to make a recommendation, in accordance with professional criteria, regarding which contract would be adequate to meet your needs).



JD Insurances Limited can provide general insurance on a limited analysis basis (providing services on the basis of a limited number of contracts and product producers available on the market).


We provide advice in partnership with a number of product providers details of whom are available on request.


We will also offer assistance to you in relation to processing claims on policies taken out with us and in seeking renewal terms on your cover.

To ensure continuity of cover, where you have an existing policy which is due to expire and where we have been unable to contact you, we may put continuing cover in force whilst awaiting your instruction. You will be liable for any premiums payable to the relevant insurer for the period of time between renewal and when we receive your instruction. You have the right not to avail of this service.


Disclosure of Information

Any failure to disclose material information may invalidate your claim and render your policy void.


JD Insurances Limited is remunerated by commission and other payments from product producers or lenders on the completion of business. You may choose to pay in full for our services by means of a fee. Where we receive recurring commission, this forms part of the remuneration for initial advice provided.  We reserve the right to charge additional fees if the number of hours relating to on-going advice/assistance exceeds 15 hrs.


In certain circumstances, it will be necessary to charge a fee for services provided. These are listed below for non-life business. In other circumstances where fees are chargeable or where you choose to pay in full for our service by fee, we will notify you in writing in advance and agree the scale of fees to be charged if different from fees outlined below.


Non-Life Remuneration

JD Insurances Limited is remunerated by commission from insurers on completion of business.  Details of this remuneration are available on request.


JD Insurances Limited is also remunerate by the application of Brokerage Fees details of which are grouped below :-

Additional fees may be payable for complex cases or to reflect value, specialist skills or urgency. Charges for such consultancy services may be applied as follows :-

Principles / Directors           €250 per hour

Senior Advisers                    €200 per hour

Associates                            €200 per hour

Support staff                        €150 per hour

In respect of commercial policy gross premiums of €375.00 or less, there will be a minimum charge applied up to €150.00 to cover administration, policy documentation, broker support services and other related costs.

If you change your mind and wish to cancel your Insurance Policy during your cooling off period, please email us at:

You have the right to cancel your Insurance Policy and receive a full refund without giving any reason, up to 14 days (“cooling off period”) from the later of (a) date of purchase; (b) receipt of this notice or (c) the start of the policy.

Refunds: We will make any refund due to you (less deductions due to us for administration / services rendered up to and including our full brokerage fee applied along with policy commission) without undue delay and not later than the earliest of 14 days from the date you notify us of your decision to cancel. We will make the refund by bank transfer on receipt of details of the bank account to be credited. These cancellation rights do not affect your legal rights.


Regular Reviews

It is in your best interests 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 in your circumstances or failure to request a review, may result in you having insufficient insurance cover and/or inappropriate investments.


Conflicts of interest

It is the policy of our firm to avoid conflicts of interest in providing services to you. However, where an unavoidable conflict of interest arises we will advise you of this in writing before providing you with any service.

Default on payments by clients

Our firm will exercise its legal rights to receive payments due to it from clients (fees and insurance premiums) for services provided. In particular, without limitation of the generality of the foregoing, the firm will seek reimbursement for all payments made to insurers on behalf of clients where the firm has acted in good faith in renewing a policy of insurance for the client.

Product producers may withdraw benefits or cover in the event of default on payments due under policies of insurance or other products arranged for you. We would refer you to policy documents or product terms for the details of such provisions.

Mortgage lenders may seek early repayment of a loan and interest if you default on your repayments. Your home is at risk if you do not maintain your agreed repayments.


We ask that you make any complaint against our firm, relating to services provided by us, in writing. We will acknowledge your complaint within 5 business days and we will fully investigate it. On completion of our investigation, we will provide you with a written report of the outcome. In the event that you are still dissatisfied with our handling of or response to your complaint, you are entitled to refer the matter to the Financial Services Ombudsman or the Pensions Ombudsman. A full copy of our complaints procedure is available on request.

Data Protection

JD Insurances Limited complies with the requirements of the General Data Protection Regulation 2018. JD Insurances Limited is committed to protecting and respecting your privacy. We wish to be transparent on how we process your data and show you that we are accountable with the GDPR in relation to not only processing your data but ensuring you understand your rights as a client. The data will be processed only in ways compatible with the purposes for which is outlined in our Data Privacy Notice, this can be provided to all our clients at the time of data collection on request. Our Privacy Notice is easily assessible and we will ensure you can easily receive a hard copy on request. Please contact us at if you have any concerns about your personal data.

Unrated Insurers and Solvency

Our aim is always to recommend insurers with a minimum ‘A’ financial strength rating. An unrated insurer is one that does not carry an insurer financial strength rating given by international rating agencies. It is generally not our practice to present unrated insurers to our clients as they may carry a higher risk of failure and insolvency, in which case the insurer concerned may not have the capital to pay your claims and you may well be forced to replace cover and pay your premium for a second time, with no opportunity to recover your costs. Generally, the circumstances where this scenario would potentially occur is when the client risk presented has such issues and/or other features that it would not have been possible to obtain terms from a rated insurer and/or our client is not willing (or able) to pay the premium required by a rated insurer and the only alternative available is an unrated market.

Compensation Scheme

We are members of the Investor Compensation Scheme operated by the Investor Compensation Company Ltd. See below for details.

Investor Compensation Scheme

The Investor Compensation Act, 1998 provides for the establishment of a compensation scheme and the payment, in certain circumstances, of compensation to certain clients (known as eligible investors) of authorised investment firms, as defined in that Act.

The Investor Compensation Company Ltd. (ICCL) was established under the 1998 Act to operate such a compensation scheme and our firm is a member of this scheme.

Compensation may be payable where money or investment instruments owed or belonging to clients and held, administered or managed by the firm cannot be returned to those clients for the time being and where there is no reasonably foreseeable opportunity of the firm being able to do so.

A right to compensation will arise only:

  • If the client is an eligible investor as defined in the Act; and
  • If it transpires that the firm is not in a position to return client money or investment instruments owned or belonging to the clients of the firm; and
  • To the extent that the client’s loss is recognised for the purposes of the Act.

Where an entitlement to compensation is established, the compensation payable will be the lesser of:

  • 90% of the amount of the client’s loss which is recognised for the purposes of the Investor Compensation Act, 1998; or
  • Compensation of up to €20,000.

For further information, contact the Investor Compensation Company Ltd. at (01) 224 4955.