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Terms and Conditions

Legal / Terms of Use


COPYRIGHT © Quote Devil Ltd. 2021. ALL RIGHTS RESERVED. Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement ("Web Content") is owned and/or licensed by Quote Devil Ltd. unless otherwise indicated. You may not use, reproduce, modify, transmit, distribute or publicly display this Web Content without prior written permission of Quote Devil Ltd..

Terms of Business Including Remuneration details and Schedule of Fees and Charges

These terms of business set out the basis upon which Quote Devil Ltd (fithe Companyfl) will provide Insurance and Financial Services to you. They also contain details of our regulatory and statutory obligations and the respective duties of both the company and you in relation to such services. This is an important document - please read carefully and if you have any questions please contact your Account Executive.

Insurers is the collective word we use throughout this document to include the following: Insurance Companies, Product Producers, Insurance Intermediaries, Underwriting Agencies and Insurance Undertakings with whom we hold an agency appointment. If there are any material changes to the information in this document you will be issued with a revised copy as soon as possible.

Contact Details:

Quotedevil Ltd, Ravenscourt Business Park, Three Rock Road, Sandyford, Dublin 18. Telephone: 01-2541300

Email: Website:

Our Regulatory Status:

Quote Devil Ltd is regulated by the Central Bank of Ireland (reference no.C45461) as an Insurance Intermediary under the European Union (Insurance Distribution) Regulations 2018.

As a Credit Intermediary authorised by the Competition and Consumer Protection Commission, we can arrange premium finance for your personal or commercial insurance policies. Copies of our Authorisations are available on request; alternatively the Central Bank of Ireland holds registers of regulated firms which can be viewed on their website register of Credit Intermediaries can be viewed on

Statutory Codes:

The Company is subject to and complies with the Consumer Protection Code, the Minimum Competency Code and the Fitness and Probity Standards. These codes offer protection to consumers and can be found on the Central Bank of Ireland website

Our Services:

General Insurance Services: Motor Insurance, Home Insurance, Travel Insurance, Pet Insurance, Gadget Insurance, Wedding Insurance and Motor Breakdown. Through our call centre we offer advice to clients with regards to their general insurance needs. The scope of our research extends beyond the appointments held, however, our product specific advice will be limited to the Insurers with whom we hold a written letter of appointment. A full list of our Insurers is available on request. We do not offer advice via our website.

Motor Trade Insurance: For Motor Trade insurance we compare a panel of 3 different insurers.

Business Insurance: For Business insurance we compare a panel of 3 different insurers.

Household insurance: For Household insurance we hold an appointment with Zurich Insurance Ltd, Plum Insurance and MIS.

Motor Insurance: For Motor insurance we conduct a fair analysis of the market, comparing a panel of 14 different insurers.

Travel Insurance: Our travel insurance policies are arranged and administered by AIG Europe Limited, A R Brassington Ltd and Mapfre.

Pet Insurance, Gadget Insurance and Wedding Insurance: Our Pet, Gadget and Wedding insurance policies are arranged and administered by Blue Insurance Ltd.

Health Insurance: For health insurance we hold an appointment with Aviva Health Insurance Ireland Ltd

Financial Services: We offer advice to our client from a selection of products available to us from the Insurers with whom we hold a written letter of appointment. The scope of our research extends beyond the appointments held, however, our product specific advice will be limited to the following Insurers: New Ireland, Zurich Life, Royal London and Aviva Life.

Sustainability: When providing Insurance Based Investment advice we will not consider the adverse impacts of investment decisions on sustainability factors.

Credit Finance: if you require credit terms, we may be able to arrange premium finance on your behalf with Close Brother Premium Finance Ltd. or with Premium Credit. As with any credit agreement terms and conditions will apply and your account executive will be happy to clarify any questions that you may have with regard to these. We strongly advise that you read all documentation relating to such agreements before entering into same.

Licensed Insurers:

The Company, only transact and recommend Insurers who are licensed by Central Bank of Ireland or European Insurers who are licensed under the EU directives on the freedom of services. We accept no responsibility for the financial standing or financial performance of any Insurer before or after inception and will not be responsible in any circumstances in the event that they are unable for whatever reason to meet their obligations to you.

Conflict of Interest

The Company will make a reasonable effort to avoid conflicts of interest and when they cannot be avoided we ensure that our clients are fairly treated. If any potential conflict of interest arises, we will advise you in advance of providing any service to you.


The Company have a written complaints procedure for the effective handling of complaints. We will acknowledge receipt of your complaint in writing within 5 working days. A written update will be issued to you every 20 days by a nominated individual within our firm. A comprehensive response will be issued within 8 weeks of receipt of your initial complaint. In the event of failure to resolve your complaint you may raise the matter with the Financial Services & Pensions Ombudsman 01 5677000 or Our full complaints procedure is available on request. Any complaints regarding the service you have received from any member of staff should be addressed in writing to the Quote Devil Company Director.

Duty of Disclosure

The Consumer Insurance Contracts Act 2019 (CICA) has changed the pre-contractual and renewal duties of the Consumer and Insurer.

Prior to 1 September 2021 at the pre-contractual and renewal stage of a contract of insurance, the principle of utmost good faith (uberrima fides) and the duty of disclosure rested with the consumer, including a duty on the consumer to volunteer information, that could be material to the underwriting of the risk.

Post 1 September 2021 the pre-contractual and renewal duty of disclosure of a consumer is confined to providing responses to questions asked by the insurer. The consumer is not under any duty to volunteer any information over and above that required by such questions. Where the insurer requests the consumer at the pre-contractual and renewal stage to provide information to the insurer, the insurer will be under a duty to ask specific questions, on paper or on another durable medium, and will not use general questions.

Post 1 September 2021 as a consumer you have a duty to respond to the insurer questions honestly and with reasonable care. As your Broker we can support you in your understanding of the questions asked by the insurer. However, responsibility for providing honest answers to the questions asked rests with you directly. Non-Consumers are not within the scope of the CICA.

Cooling-off Period

Our insurance services are defined as contracts at a distance (non face to face) under the European Communities (Distance Marketing of Consumer Financial Services) Regulations 2004.

You have the right to withdraw from your policy, within a specified period, without penalty. For General Insurance products, this period is 14 days from the inception date of your policy or the date you receive your policy documents, whichever is later.

To withdraw from a policy within the cooling-off period, you need to send us a request in writing inclusive of your policy number and for Motor Insurance, you must return (if received) your Certificate of Insurance and Insurance Disc.

Should you exercise your right to withdraw, it will mean no policy was ever put in place and provided that you have not made a claim, we will refund you any premium paid in full. For Motor Insurance, if you have used the policy and should you exercise your right to withdraw, provided that you have not made a claim, the Underwriter will charge you for time on cover.

Please note that our set up/renewal fee is non-refundable if you choose to withdraw from the policy within the cooling off period.

Investor Compensation Company Ltd (ICCL)

This firm is a member of the Investor Compensation Scheme established under the Investor Compensation Act 1998. This legislation provides for the establishment of a compensation scheme and to the payment, in certain circumstances, of compensation to clients of firms covered by the Act. However, you should be aware that a right to compensation will only arise where money or investment instruments held by this firm on your behalf cannot be returned either for the time being or in the foreseeable future and where the client falls within the definition of 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.

In addition to the compensation available under the "Investors Compensation Act, 1998", the Company is bonded through its membership of the IBA for •200,000 with an inner limit of •65,000 per client.

Remuneration Policy

The Company is remunerated by commission on life and non-life insurance by the insurers to whom orders are transmitted for new business, on renewal of existing business and/or based on the levels of business introduced. We may, in some circumstances, charge an arrangement fee, a risk management fee, a claim settlement fee or a combination of all three, these fees would be discussed and agreed in advance. Summary details of these payments will be included in the life insurance product information literature and documentation which you will receive before an application form for a product is completed, and extended details will also be included with your cooling-off letter. Non-life insurance remuneration details are available on request.

As a credit intermediary we are usually remunerated by the premium/credit finance provider on arranging finance on your behalf. We may be in receipt of remuneration of up to 6.3% of the annual premium from the premium finance provider.

With regards to our Liability Insurance, payment is required in full at inception of the policy

Schedule of Fees and Charges:

Fees Payable - Details of all fees will be shown on our invoices or renewal papers issued to you.


Non-Life Personal Insurance:

Non-Life Personal Insurance:


*New Business & Renewal Set up Charge

Up to 100% - Minimum •50.00

Policy Amendment or Cancellation Charge

Up to •50

Duplicate documentation

Up to •25


Non-Life Commercial and/or Business Insurance:

Non-Life Commercial and/or Business Insurance:

*New Business & Renewal Set up Charge up to 100% of premium subject to aminimum of •50

Policy Amendment or Cancellation Charge up to 30% of premium subject to a minimum of •30

Duplicate documentation up to •25


Telematics Co-Pilot Motor Policy:

Telematics Co-Pilot Motor Policy


*New Business & Renewal Set up Charge

Up to 100% - Minimum •50.00

Policy Amendment or Cancellation Charge

Up to •60

Duplicate documentation

Up to •25

Missed appointment for device Installation

Up to •60


* % of the insurance premium and government levies, once you have paid your premium to us or arranged finance for the premium through our finance partners our set up fee is non-refundable.

In addition, we may earn a non-monetary benefit which we will only accept if it enhances the quality of our service to you our client. For example: attendance at a product seminar or assistance with branding, IT support etc.

A summary of all remuneration arrangements from each Insurer and Product Producer is available on our website

In respect of life assurance contracts the company is remunerated by commission which it may at its discretion rebate part thereof to the insured. It is a condition of all policies incepted that the discounted first years premium is paid in full and a completed direct debit form in respect of the second and subsequent years premium (excluding discount) is provided with the application. If the premium is to be paid monthly for the first year it is not possible to avail of the discount. The monthly and annual premium will be displayed by the site.

All quotation indications provided on line are subject to receipt of a satisfactory completed proposal form and acceptance by the insurer. A medical report may be required.

Handling Clients' Money

We accept payments in cash, by cheque/bank draft, credit/debit cards or electronic bank transfer in respect of all classes of Insurances where the Insurer has invited renewal of a policy, or accepted a proposal for insurance. We cannot accept cash or negotiable instruments in any other circumstances. For certain Insurance products we may request that all payments are made payable to the provider of the product in question. A receipt will be issued for all monies paid and clients should retain these in a safe place. We cannot pay a premium where the client has not paid us. Clients must pay at inception date of a contract or on or before renewal date, or as invoiced in the case of mid-term alterations. Insurers may cancel cover where clients fail to meet their obligations in relation to payment terms and conditions.

Default by a Client

Premiums are due to be paid on or before the renewal/inception/alteration. Following non-payment we retain the right to terminate the cover and secure refunds to discharge the account. No agency transfer may be affected until the account is cleared in full. We may take legal action to recover any monies due to us.


Either party may, at any time, cancel the policy. If you wish to cancel your policy, you must send written instructions to Quote Devil Limited. For Private and Commercial Motor Insurance, you must return your Insurance Certificate and Disc before your policy can be cancelled. Quote Devil Limited may instruct your insurers to cancel your policy. Policies can be enforced cancelled by due to, but not limited to, non payment, non disclosure, provision of incorrect information over the phone and online or where the necessary documentation is not submitted within a required time frame. If you cancel during the first year of insurance (outside the cooling off period) short term rates apply in accordance with the terms and conditions of your insurance policy. Please note Πour set up charge and commission earned is non refundable and a cancellation charge (details of which are set out above) may apply to all cancellations (outside the cooling off period). The cancellation charge may be deducted from any rebate due to you prior to being issued to you, in this event, it will be agreed in writing by you in each instance.

Government Insurance Levies

All insurance premiums quoted on the Quote Devil website include the relevant Government Levy. On Mortgage Protection Insurance this is 1%. On Motor Insurance Policies the Government levy is 7% and on Home Insurance Policies the Government levy is 5%.

Data Protection:

We collect your personal details in order to provide the highest standard of service to you. We take great care with the information provided; taking steps to keep it secure and to ensure it is used only for legitimate purposes. To fulfil these objectives we may share information with other affiliated professionals. The information and other data provided to our office may be used to advise you of products and services we may offer from time to time.

You have the right at any time to request a copy of any personal data within the meaning of the General Data Protection Regulation 2018 (GDPR) and the Irish Data Protection Act 2018 (as amended or re-enacted from time to time) that our office holds about you and to have any inaccuracies in that information corrected.