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December 08, 2024 |

Remuneration

We, Campion Insurances Ltd act as intermediary (Broker) between you, the consumer, and the product provider with whom we place your business.

The background

Pursuant to provision 4.58A of the Central Bank of Ireland's September 2019 Addendum to the Consumer Protection Code, all intermediaries, must make available in their public offices, or on their website if they have one, a summary of the details of all arrangements for any fee, commission, other reward or remuneration provided to the intermediary which it has agreed with its product producers.

What is commission?

For the purpose of this document, commission is the payment earned by the intermediary for work undertaken on behalf of both the provider and the consumer. The amount of commission is generally directly related to the quantity or value of the products sold.

We are remunerated by commission and other payments from product producers. Sustainability Disclosure Financial Regulations - we do not currently consider sustainability risks such as environmental, social, and governance when providing advice on which Insurance Based Investment Product (IBIP) and/or Pension Product is most suitable to meet your needs. The Provider's documentation will set out if and how they consider such factors. We will review this position on an annual basis and update accordingly.

Our Brokerage commission options are displayed as a range, showing the maximum amount which can be received. The level of commission depends on individual circumstances, based on the following factors:  

The factors that may impact a variation in charges include;

  • Client segmentation
  • Adviser discretion
  • Competitive pressures
  • Investment/pensions/saving size
  • Schemes size
  • Term/timeline of a policy or service
  • Complexity of advice
  • Preferential terms in the market, available to a Brokerage & client at the time

There are different types of commission models:

Single commission model:where payment is made to the intermediary shortly after the sale is completed and is based on a percentage of the premium paid/amount invested/amount borrowed. 
Trail/Renewal commission model:Further payments at intervals are paid throughout the life span of the product.
Indemnity commissionIndemnity commission is the term used to describe a commission payment made before the commission is deemed to be 'earned'. Indemnity commission may be subject to a clawback (see below) if the consumer lapses or cancels the product before the commission is deemed to be earned.

Other forms of indemnity commission are advances of commission for future sales granted to intermediaries in order to assist with set up costs or business development.

General insurance products

General insurance products, such as motor, home, travel, health, retail or liability insurance, are typically subject to a single or standard commission model, based on the amount of premium charged for the insurance product.

Profit Share arrangements

In some cases, the intermediary may be a party to a profit-share arrangement with a product provider and will earn additional commission. Any business arranged with these product providers on a client’s behalf will be placed with the product provider because that product provider is at the time of placement, the most suitable to meet the client’s requirements, taking all the client’s relevant information, demands and needs into account.

Life Assurance/Investments/Pension products

For Life Assurance products commission is divided into initial commission and renewal commission (related to premium), fund based or trail relating to accumulated fund.

Trail commission, bullet commission, fund based or renewal commission are all terms used for ongoing payments. Where an investment fund is being built up though an insurance-based investment product or a pension product, the increments may be based on a percentage of the value of the fund or the annual premium. For a single premium/lump sum product, the increment is generally based on the value of the fund.

Examples of products include Life Protection, Regular Premium Life Assurance Investments, Single Premium (lump sum) Insurance-based Investments, and Single Premium Pensions.

Investments

Investment firms, which fall within the scope of the European Communities (Markets in Financial Instruments) Regulations 2007 (the MiFID Regulations), offer both standard commission and commission models involving initial and trail commission. Increments may be based on a percentage of the investment management fees, or on the value of the fund.

Credit Products/Mortgages

Commission may be earned by intermediaries for arranging credit for consumers, such as mortgages. The single, or standard, commission model is the most common commission model applied to the sale of mortgage products by mortgage credit intermediaries (Mortgage Broker).

Clawback

Clawback is an obligation on the intermediary to repay unearned commission. Commission can be paid directly after a contract is concluded but is not deemed to be ‘earned’ until after a specified period of time. If the consumer cancels or withdraws from the financial product within the specified time, the intermediary must return commission to the product producer.

Fees

The firm may also be remunerated by fee by the product producer such as policy fee, admin fee, or in the case of investment firms, advisory fees. Include arrangements etc

Please Note

The enclosed commission guidance section gives indicative values across every product provider and every product advised whereby a commission or fee is received within our business. This is the maximum our Brokerage will take and is subject to change, in certain cases our Brokerage may take a different remuneration than the enclosed percentages/amounts. This will be disclosed to each client as per the Central Bank Consumer Protection Code regulations, on a client by client basis.

Other Fees, Administrative Costs/ Non-Monetary Benefits

Click here to see our terms of business and Schedule of Fees

The firm may also be in receipt of non-monetary benefits such as:

  • Attendance at product provider seminars
  • Assistance with Advertising/Branding

Further detail on the providers we work with, the products we sell and the maximum commissions available to us are outlined below.

Arachas Corporate Brokers Ltd - AIC


Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Professional Indemnity9.6%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Traders10%
Commercial Combined4.84%
Legal Expenses10%

AIG Europe S.A


Travel Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
PA/Travel20%
Travel25%

Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Professional Indemnity22.5%

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Car Hire Excess25%
Classic Car Scheme8%
Classic Car Scheme10%
Limited Mileage10%
MG Owners Scheme8%
Morris Minor10%
Motor Cycle10%
Multi Vehicle6%
Multi Vehicle8%
Private Car10%

Personal Accident Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Personal Accident20%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Cyber Liability20%
D&O, Crime, PTL, EPL, Entity17.5%
D&O, Crime, PTL, EPL, Entity Rapidcover (Bus Guard)20%
Directors and Officers20%
EL6%
Employers Liability6%
Environmental Liability18%
Excess Liability10%
PL10%
PL Rapidcover20%
Products Liability10%
Property Owners Liability9.5%
Public Liability10%
Sports Liability12%
Transit Liability12%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Claim15%
Fire Schedule12%
Fire/Perils12%
Household25%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Agricultural Vehicle5%
Annual25%
Apartments20%
Com Comb Rapidcover20%
Commercial Combined25%
Commercial Package20%
Commercial Vehicle10%
Commercial Vehicle6%
Computer15%
Contractors Works15%
Crime17.5%
Crisis Management25%
Cyber20%
Cyber Rapidcover25%
Directors and Officers15%
Driving Instruction10%
Driving Instruction8%
Driving Testers10%
Engineering Insurance Inspection15%
Excess10%
Excess Rapidcover25%
Fleet Insurance5%
Glass15%
Goods in Transit18%
Horses15%
Instructor Vehicle10%
Livestock15%
Loss of Profits12%
Marine20%
Money15%
Motor Contingency15%
Motor Traders5%
Multi Risk5%
Office20%
Office Combined20%
Office Rapidcover20%
Prop Own Rapidcover20%
Property15%
Property Damage10%
Property Owners20%
Shop15%
Shop Combined20%
Shopkeepers15%
Shops Rapidcover20%
Terrorism15%
Theft15%

Allianz Plc.


Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission €Commission %
PFP Professional Indemnity€1920%
Professional Indemnity-15%
SPI Professional Indemnity-15%

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Motor Contingency15%
Multi Vehicle5%
OGR Motor - Own Goods5%
PCR RoI Broker Motor Product10%
Private motor5%

Personal Accident Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Personal Accident15%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Sports Policy Combined10%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
CGL Cargo Liability19%
Cargo Liability18.775%
Employers Liability6%
Hull Damage/ Liability15%
LIA Combined Liability10%
LIA Combined Liability - EL6%
LIA Combined Liability - PL10%
LIN Combined Liability NI - EL6%
LIN Combined Liability NI - PL10%
Products Liability10%
Public Liability10%
RPL Public Liability10%
RPL Public Liability MML5%
SPL Social Public Liability15%
Sports Liability12%
Transit Liability18%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Accidental Damage10%
Fire Only15%
Fire Schedule12%
Fire/Perils15%
Glass15%
HHR Combined House Insurance20%
HPR Personal lines household15%
HYR Holiday Home ROI15%
IHR Broker Household15%
Theft15%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Agricultural Vehicle0.5%
All Risks15%
Apartment Block17.5%
Apartment Blocks17.5%
Auctioneers Bond15%
Aviation10%
BMR Business - Commercial Motor5%
Bond7.5%
Broker Household15%
Business Interruption15%
Business Interuption15%
CBR Combined Property15%
CGD Cargo Goods19%
CMP Computer15%
CPR Commercial Construction6%
Caravan15%
Cargo Goods18.775%
Combined Risks15%
Combined Traders15%
Commercial Combined15%
Commercial Fire15%
Commercial Package15%
Commercial Vehicle5%
Commercial property15%
Computer15%
Contract Guarantee Bond7.5%
Contractors All Risks15%
Contractors Works15%
Credit and Guarantee10%
Directors and Officers15%
ENG Engineering15%
Engineering Business Interuption15%
Engineering Insurance Inspection15%
Fleet Insurance5%
Goods in Transit19%
HPY Hospitality15%
HPY Hospitality15%
HPY Pleasure Craft16%
HYT Hull Marine18%
Hackney10%
Hackney - Limousine10%
Horses15%
Hull Insurance10%
Internal Risks10%
Internal Risks15%
Internal Risks15%
LPR Landlord House Insurance15%
Livestock15%
Loss of Profits12%
MFR Motor - Fleet5%
MTC Motor Traders Combined15%
MTC Road Risk Only10%
MTR Motor - Road Risks5%
Marine: Small Craft15%
Money15%
Motor Caravan Club10%
Motor Special Types5%
Motor Trader Combined 5%10%
Motor Traders Combined BI15%
Motor Traders Combined CMF15%
Motor Traders Combined CMV7.5%
Motor Traders Combined EL15%
Motor Traders Combined GAP15%
Motor Traders Combined PL15%
Motor Traders Combined PRL15%
Moyot Own Goods7.5%
OFM Office15%
Office15%
POP Property Owner15%
PRP Combined Property15%
Pleasure Craft15%
Property Damage10%
Property Owners15%
RCR Combined Risks - BI15%
RCR Combined Risks - BU15%
RCR Combined Risks - CL15%
RCR Combined Risks - EL15%
RCR Combined Risks - FG15%
RCR Combined Risks - FR15%
RCR Combined Risks - GAP15%
RCR Combined Risks - GAR15%
RCR Combined Risks - MML15%
RCR Combined Risks - PA15%
RCR Combined Risks - PL15%
REN Engineering15%
RPM Hospital Malpractice Insurance10%
RTM Retail15%
Religious Protection10%
Rented Property15%
Retail15%
SBR - Social Mini-Bus ROI5%
SCR Combined Risk15%
SFR Motor - Small Fleet5%
SHC Shop15%
SME - Business Policy15%
SMP - Property Owners15%
STR - Motor - Special Types15%
Shop15%
Shopkeepers15%
Social Agricultural Vehicle5%
Special Types5%
TXM Taxi/ Hackney10%
Taxi10%
Trailer25%

Aon Insurance Markets Ireland


Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Professional Indemnity Insurance Dual15%
Professional Indemnity Insurance Hiscox10%
Professional Indemnity Insurance Irish Public Bodies Mutual8%
Professional Indemnity Insurance Liberty10%
Professional Indemnity Insurance XL Insurance10%
Professional Indemnity Insurance XL Insurance10%
Professional Indemnity Insurance Zurich10%

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Private Car (Personal Lines) Chubb5%
Private Motor Insurance Chubb5%

Personal Accident Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Personal Accident & Illness AIG10%
Personal Accident Insurance Chubb20%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Aviation10%
Marine12.5%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Liability11%
Combined Liability Berkshire Hathaway10%
Combined Liability Zurich10%
Directors & Officers Liability - Golf Travelers Insurance10%
Directors and Officers Liability Travelers Insurance10%
Employers Liability Irish Public Bodies Mutual8%
Excess Liability Liberty10%
Professional Indemnity Insurance Chubb10%
Property Owners Liability15%
Public Liability Irish Public Bodies Mutual8%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Household10%
Household Insurance Azur Underwriting12%
Household Insurance Chubb12%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Aon Toal Planthire Scheme - Commercial Package Travelers Insurance5%
Combined Directors & Officers and Employment Practices Liability Travelers Insurance12%
Combined Liability Allied World10%
Combined Liability Aon UK8%
Combined Liability RSA15%
Combined Traders8%
Commercial Combined10%
Commercial Combined Package Axa10%
Commercial Combined Package Barbican10%
Commercial Combined Package Chubb10%
Commercial Combined Package Ecclesiastical Insurance Office plc12.5%
Commercial Combined Package Hiscox10%
Commercial Combined Package Irish Public Bodies Mutual7.5%
Commercial Combined Package Liberty10%
Commercial Combined Package Travelers Insurance8%
Commercial Combined Package XL Insurance10%
Commercial Combined Package Zurich13%
Commercial Package - NHI Liberty10%
Commercial Package AIG10%
Commercial Package Aon UK15%
Commercial Package Chubb10%
Commercial Package Zurich4.5%
Commercial Property Policy Berkshire Hathaway10%
Commercial Vehicle Liberty5%
Commercial Vehicle Zurich-
Computer All Risks RSA7.5%
Computer All Risks Zurich7.5%
Construction Liability Insurance Liberty10%
Construction Liability Insurance XL Insurance10%
Contractors All Risks Insurance (AW) Northern Marine10%
Contractors All Risks Insurance Liberty10%
Contractors All Risks Northern Marine10%
Cyber Liability Insurance Hiscox10%
Cyber with Beazley20%
Directors & Officers Liability Chubb25%
Directors & Officers Liability Hiscox-
Directors & Officers Liability Liberty10%
Directors and Officers Liability Liberty10%
Engineering Aviva7.5%
Engineering RSA10%
Environmental Impairment Liability (EIL) AIG7.5%
Event Insurance Hiscox10%
Excess Liability10%
Excess Liability Insurance Chubb10%
Excess Public/Products Liability Allied World12%
Fine Art Insurance Axa5%
Fine Art Insurance Hiscox-
Golf Buggy Insurance Travelers Insurance-
Golfers Combined Package Travelers Insurance10%
Group Travel AIG13%
Household Insurance12%
ICMA : Motor Fleet Insurance Zurich-
ICMA : Private Motor Insurance Zurich-
Machinery Movement RSA10%
Marine Insurance (AW) Northern Marine10%
Marine Insurance RSA12.5%
Medical Malpractise Hiscox10%
Motor Fleet Insurance Liberty5%
Motor Fleet Insurance Travelers Insurance5%
Motor Fleet Zurich-
Motor Trade Road Risks Travelers Insurance7%
Motor Trade Road Risks Zurich-
Multi Risk7.5%
One-Plan Package Chubb10%
Personal Accident Insurance10%
Private Car (Commercial) Zurich-
Property Owners15%
Property Owners Liability Liberty12.5%
Property/Business Interruption Liberty10%
Public/Products Liability The Underwriting Exchange6.75%
Real Estate Property & Property Owners Liability Pkg10%
Rugby Clubs : Commercial Combined Package Aviva15%
Stud & Stable Insurance Package Aviva8%
Tennis Commercial Combined Package Ecclesiastical Insurance Office plc12.5%

Aquabroker Ltd.


Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Marine15%
Marine Hull5%
Marine: Small Craft15%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Multi Risk5%

ARB Underwriting Ltd.


Travel Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Travel20%

Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Professional Indemnity18%

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Motor ARB Ideal8%
Private Car10%
Road risk10%
vehicle5%

Personal Accident Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Personal Accident20%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
JRP MD/BI only policies15%
JRP POL15%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Excess Liability20%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
AIG apartment blocks12.5%
Commercial Combined15%
Commercial Vehicle7.5%
Hackney5%
Motor Trade10%
Motor Trade - ARB Motor Trade (COB 150)8%
Motor Trade - ARB Motor Trade (COB 160)5%
Motor Trade - Commercial Property Motor Trade Internal)10%
Motor Trade - Commercial Property SS MTIR10%
Property Owners10%
Shopkeepers15%
Surestone MTIR policies10%
Taxi15%

Arthur J Gallagher Ins Brk Ltd


Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Liability10%
Public Liability10%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Aviation15%
Aviation15%
Commercial Combined12.5%
Property Damage12.5%

Aviva Group Ire. Plc. (Value)


Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Private Car7.5%

Aviva Life & Pensions Ireland DAC


Term Life Protection

A Term Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Term Protection150%22%24

Single Premium PRSA

ProductInitial %Recurring %
Single Premium PRSA4%0.5%

Specified Illness

A Specified Illness Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Specified150%22%24

Savings

The Savings contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to ' clawback ' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Savings15%1%48

Pension Term

A Pension Term Assurance Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Pension Term150%22%24

Personal Retirement Savings Account RP (PRSA)

A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s.  Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Regular Premium PRSA22.5%0.5%48

Personal Retirement Bond (PRB)

The Pension Retirement Bond typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %
PRB5.25%1%

Mortgage Protection

A Mortgage Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Mortgage Protection150%22%24

Income Protection

An Income Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Income Protection200%30%48

Investment

An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %
Investments5.25%1%

Group Income Protection

ProductInitial %Recurring Commission %
Group IP12.5%12.5%

Defined Contribution Pension

A Defined Contribution Product typically provides for an Initial Commission as outlined below.  Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Regular Premium pension20%1%48
Single premium pension5.25%1%-

Approved Retirement Fund (ARF)

An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

 

ProductInitial %Recurring Commission %
ARF5.25%1%

AXA Insurance dac


Travel Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Travel25%

Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Professional Indemnity15%

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Car10%
Caravan15%
Motor10%
Motor Contingency15%
Multi Vehicle10%
Private Car10%
Van10%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Computer15%
Contractors Works15%
Engineering Business Interuption15%
Engineering Insurance Inspection15%
Fire Schedule12%
Goods in Transit18%
Horses15%
Livestock15%
Loss of Profits12%
Money15%
Professional Photographer20%
Special Types5%
Taxi10%
Theft15%
Trailer25%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Employers Liability10%
Liability15%
Products Liability20%
Public Liability20%
Sports Liability12%
Transit Liability12%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Holiday Home20%
House20%
Household20%
Household25%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Agricultural Vehicle Insurance5%
Apartment Block Insurance10%
Bus Insurance5%
Commercial Combined22.5%
Commercial Package20%
Commercial Vehicle10%
Commercial Vehicle8%
Farm17.5%
Fire/Perils12%
Fleet Insurance10%
Glass15%
Goods Carrying Vehicles5%
Guest House10%
Hackney5%
Hackney15%
Motor Traders5%
Office Combined15%
Professionals Insurance15%
Property Damage10%
Property Owners22.5%
R.I.A.I. Motor Scheme8%
Rental Property15%
Rental Property20%
Services Protect Insurance15%
Shop/Office/Surgery22.5%
Shopkeepers20%
Shopkeepers17.5%
Specials Insurance5%
Tractor/Agri10%
Tradesmen and Professionals15%
Tradesmen and Professionals20%

BCP


Investment

An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %
Investments2.5%

Approved Retirement Fund (ARF)

An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

 

ProductInitial €Recurring Commission %
ARFNo0.75%

Blackrock Insurance Solutions


Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Liability10%
Employers Liability10%
Excess Liability10%
Public Liability10%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Property Damage10%

Joseph G Brady Insurance Ltd t/a Brady Underwriting


Personal Accident Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Personal Accident10%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Expenses15%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Business Protect (Retail, Office, Hospitality & Manufacturing)15%
Business protect15%
Commercial Combined10%
Eventinsure10%
Eventinsure Product10%
Legal Expenses10%

Broker Options


Travel Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Travel Insurance15%

Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Professional Indemnity10%

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Motor Excess Insurance15%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Liability15%
Combined Tradesmen Liability10%
Cyber Liability10%
Liability15%
Public Liability15%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Hearing Aid Insurance15%
Unoccupied Properties15%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Apartment Block10%
BSS Holiday Home Scheme10%
BSS Landlord Rental Scheme10%
Commercial Combined Risks10%
Contractors All Risk Scheme10%
Contractors Liability15%
Directors & Officers10%
Directors & Officers Insurance10%
Event Insurance10%
Leisure Risks10%
Liability10%
Office Combined10%
Organisers Liability15%
Property10%
Property Owners Risks10%
Specialist Risk Business15%
Tradesmen Insurance15%
Unoccupied Risks10%

Brokers Ireland Network Services Limited


Mortgage Switcher

Credit intermediation with respect to Mortgages allows for an initial once off upfront commission to remunerate a Brokerage based on the advice, service and packaging of a mortgage. If a client switches or ceases to pay a Mortgage repayment with the clawback period, the Brokerage will receive a pre agreed pro rata clawback within the below timeframes.

ProductCommission %Clawback Period (Months)
Mortgage - Switcher1%36

Second and Subsequent Time Buyers

Credit intermediation with respect to Mortgages allows for an initial once off upfront commission to remunerate a Brokerage based on the advice, service and packaging of a mortgage. If a client switches or ceases to pay a Mortgage repayment with the clawback period, the Brokerage will receive a pre agreed pro rata clawback within the below timeframes.

ProductCommission %Clawback Period (Months)
Mortgage - Second/subsequent Buyer1%36

First-Time Buyer

Credit intermediation with respect to Mortgages allows for an initial once off upfront commission to remunerate a Brokerage based on the advice, service and packaging of a mortgage. If a client switches or ceases to pay a Mortgage repayment with the clawback period, the Brokerage will receive a pre agreed pro rata clawback within the below timeframes.

ProductCommission %
Mortgage - First-Time Buyer1%

Equity Release

Credit intermediation with respect to Mortgages allows for an initial once off upfront commission to remunerate a Brokerage based on the advice, service and packaging of a mortgage. If a client switches or ceases to pay a Mortgage repayment with the clawback period, the Brokerage will receive a pre agreed pro rata clawback within the below timeframes.

ProductCommission %Clawback Period (Months)
Mortgage - Equity Release1%36

Broker Solutions


Investment

An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %
Investments3%

Broker Support Services


Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Professional Indemnity10%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Liability10%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Directors & Officers Insurance10%
Event Insurance10%
Leisure Risks10%
Property10%

Canopius Underwriting Ltd


Travel Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Travel25%

Personal Accident Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Personal Accident25%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Trailer25%

Arachas Corporate Brokers Limited t/a Arachas, Capital Insurance Markets, Capital IM


Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Professional Indemnity10%

Personal Accident Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Personal Accident7.5%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Liability10%
Public Liability10%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Apartments14.5%
Aviation10%
COMMERCIAL COMBINED12%
Cleaning Contractors11.25%
Commercial Combined10%
Commercial Package10%
Contractors All Risk14.5%
Contractors Works14%
Engineering12%
Engineering12%
Motor Fleet7.7%
Oil Distributors8%
Property Owners14.5%
Recruitment Consultants12.5%
Security Contractors12.5%

CFC Underwriting


Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
PI - Profesional Indemnity20%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
All Other Lines20%
Marine K&R35%
Terrorism25%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Cyber Liability20%
Products Liability20%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Traders20%
Commercial Combined20%
Directors & Officers20%

Chubb European Group (Dublin)


Travel Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Travel25%

Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Professional Indemnity15%

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Motor Contingency15%
Private Car5%

Personal Accident Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
PERSONAL ACCIDENT20%
Personal Accident30%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Computer15%
Contractors Works15%
Directors and Officers20%
Fire Schedule12%
Goods in Transit18%
Horses15%
Livestock15%
Loss of Profits12%
Money15%
Theft15%
Trailer25%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Liability15%
Employers Liability6%
Excess Liability15%
Excess Liability15%
Products Liability10%
Public Liability10%
Sports Liability12%
Transit Liability12%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Commercial Combined15%
Commercial Motor8%
Commercial Property15%
Fire/Perils12%
Fleet Insurance8%
Glass15%
Multi Risk5%
Property Damage10%
Shop15%
Shopkeepers15%

Chubb Ins Co. of Europe S.E.


Travel Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
PA/Travel Policy20%

Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Professional Indemnity Policy20%

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Motor Damage15%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Contract Works Policy15%
D & O Policy20%
Directors and Officers15%
Marine Policy25%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Cyber Liability20%
Employers Liability10%
Employment Practice Liability20%
Excess PL Policy15%
PL Policy10%
Pension Trustee Liab Policy25%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Household23%
Prop Owners Policy15%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Apartments14%
Commercial Combined15%
Commercial Package Policy15%
Multi Risk5%

Citynet Insurance Brokers Ltd.


Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Liability10%
Employers Liability7.5%
Public Liability12.5%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
All types10%
Property Damage12.5%

Coface


Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Credit Insurance10%

Tysers Ireland Limited T/A Tysers Underwriting


Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Goods in Transit19%
Marine Cargo20%
Trailers15%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Carriers Liability19%

Arachas Corporate Brokers t/a Cover Centre


Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
HORSE INSURANCE6.5%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Apartment Landlord15%
Apartment Owner Occupied15%
HOUSEHOLD15%
Homeshield Rental15%
Kidd Endeavour15%
Kidd High Net Worth15%
Kidd Holiday Home10%
Kidd Homeworker15%
Kidd Mobile Home Fixed Site10%
Kidd Non-standard Construction10%
Kidd Touring Caravan10%
Kidd Unoccupied10%
Kiddsure Select15%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Commercial Motor6%
Light Commercial Vehicle10%

Crispin Speers & Partners Ltd


Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Airside Contractors Liability12.5%
General Aviation12.5%

ARAG Legal Protection Ltd


Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Household23%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission €Commission %
Commercial Legal Expenses€24.5925%
EL Policy-6%

Dolmen Insurance Brokers Ltd.


Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined liability8.5%
Professional Indemnity10%
Property Owners Liability8.5%
Public Liability8.5%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Amethyst10%
Dolmen SI (Sums Insured) Home15%
Dolmen SI (Sums Insured) Residential15%
Flex10%
Holiday Home15%
Household15%
Premier10%
Unoccupied (via Relay & Direct)10%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Camper Van10%
Commercial Combined8.5%
Contractors All Risks12.5%
Directors & Officers20%
Event Insurance10%
Homeworks12.5%
Land Liability15%
Property Owners15%
Property Works12.5%
Rental Property10%

Dual Corporate Risk


Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Care Homes20%

Dual Underwriting Ltd


Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Private Car10%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Liability20%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Home19.7%

Ecclesiastical Insurance Office Plc.


Travel Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Travel25%

Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Professional Indemnity15%

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Caravan15%
Motor Contingency15%
Private Car5%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Additional Expenses5%
Agricultural Vehicle15%
Computer15%
Contractors Works15%
Fire Schedule12%
Goods in Transit18%
Horses15%
Livestock15%
Loss of Profits12%
Money15%
Theft15%
Trailer25%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Employers Liability6%
Products Liability10%
Sports Liability12%
Transit Liability12%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Household15%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Apartment Block Insurance10%
Charity, Faith and Community Insurance (CHA)15%
Combined Liability15%
Commercial Combined15%
Commercial Combined (ICS)15%
Commercial Package (IIP)15%
Directors & Officers15%
Education (ISS)15%
Engineering, Cyber (CEN)15%
Fire/Perils15%
Fire/Perils12%
Glass15%
Heritage (IHG)15%
Holiday Home15%
Legal Expenses15%
Miscellaneous15%
Multi Risk5%
Office Combined15%
Property Damage10%
Property Owners15%
Property Owners (IPO)15%
Shop15%
Shopkeepers15%

REV Risk Management (Europe) Ltd. t/a Blue Square Underwriting


Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Standalone Liability15%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Commercial Combined17.5%
Event Insurance-
Property Owners20%
Retail/Office Package17.5%

FBD Insurance Plc.


Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Motor Contingency5%
Multi Vehicle5%
Private Mtr5%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Computer20%
Computer15%
Engineering Insurance Inspection15%
Goods in Transit15%
Marine15%
Marine15%
Special Types6.5%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Liability9%
Employers Liab Only6%
Employers Liability6%
Employers and Public Liability10%
Public Liab & Employers Liab10%
Public Liab Only10%
Public Liability10%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Holiday Home15%
Home15%
Household20%
Property20%
Property20%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
All Other15%
All Others Guesthouse Fire /Theft Accidental Damage15%
Comm Combined20%
Comm Mtr5%
Commercial Combined20%
Commercial Combined20%
Commercial Combined15%
Commercial Motor5%
Commercial Package20%
Farmers Combined15%
Farming and Growing Trees20%
Fire/Perils15%
Fleet Insurance5%
Fleet Mtr & Motor Traders Road Risk10%
Guest House - Fire/ Theft/ Accidental Damage15%
Motor Fleet/Motor Trade/ Road risk10%
Multi Risk5%
Other Motor (Tractor)5%
Other Motor (Tractor)5%
Property Owners20%
Shopkeepers15%

Footprint Underwriting DAC


Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Motor GI Business7.5%
Private Car7.5%

Friends First


Single Premium PRSA

ProductInitial %Recurring %
Single Premium PRSA7.5%0.25%

Savings

The Savings contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to ' clawback ' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Savings10%0.75%48

Personal Retirement Savings Account RP (PRSA)

A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s.  Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Regular Premium PRSA17.5%0.25%48

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Liability10%

Investment

An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %
Investments5%0.75%

Approved Retirement Fund (ARF)

An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

 

ProductInitial %Recurring Commission %
ARF5%0.75%

Frost Insurances Ltd


Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Property Owners Liability12.5%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Self Build Policy15%

Greenman


Investment

An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %
Investments2.5%0.5%

Haven


Mortgage Switcher

Credit intermediation with respect to Mortgages allows for an initial once off upfront commission to remunerate a Brokerage based on the advice, service and packaging of a mortgage. If a client switches or ceases to pay a Mortgage repayment with the clawback period, the Brokerage will receive a pre agreed pro rata clawback within the below timeframes.

ProductCommission %Clawback Period (Months)
Mortgage - Switcher1%36

Second and Subsequent Time Buyers

Credit intermediation with respect to Mortgages allows for an initial once off upfront commission to remunerate a Brokerage based on the advice, service and packaging of a mortgage. If a client switches or ceases to pay a Mortgage repayment with the clawback period, the Brokerage will receive a pre agreed pro rata clawback within the below timeframes.

ProductCommission %Clawback Period (Months)
Mortgage - Second/subsequent Buyer1%36

First-Time Buyer

Credit intermediation with respect to Mortgages allows for an initial once off upfront commission to remunerate a Brokerage based on the advice, service and packaging of a mortgage. If a client switches or ceases to pay a Mortgage repayment with the clawback period, the Brokerage will receive a pre agreed pro rata clawback within the below timeframes.

ProductCommission %Clawback Period (Months)
Mortgage - First-Time Buyer1%36

Equity Release

Credit intermediation with respect to Mortgages allows for an initial once off upfront commission to remunerate a Brokerage based on the advice, service and packaging of a mortgage. If a client switches or ceases to pay a Mortgage repayment with the clawback period, the Brokerage will receive a pre agreed pro rata clawback within the below timeframes.

ProductCommission %Clawback Period (Months)
Mortgage - Equity Release1%36

Hickey Clarke & Langan Ltd.


Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Household10%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
All policy types10%

Hiscox SA


Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Professional Indemnity20%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
All Other Lines20%
Directors and Officers20%
Event Insurance17.5%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Liability9%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Household20%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
All Commercial Policies20%
Commercial Combined20%
Commercial Combined20%
Office Combined20%

HSB Engineering Insurance Ltd. / HSB Engineering Insurance Services Ltd.


Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
ALPI (IRELAND) LIMITED15%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Accidental Damage17.5%
COLIN O'DONOGHUE T/A CD MOTORS15%
Computer15%
Construction15%
Contractors All Risk17.5%
Cyber15%
Energy15%
Engineering10%
Engineering Inspection10%
Equipment Breakdown15%

ICS/dilosk


Mortgage Switcher

Credit intermediation with respect to Mortgages allows for an initial once off upfront commission to remunerate a Brokerage based on the advice, service and packaging of a mortgage. If a client switches or ceases to pay a Mortgage repayment with the clawback period, the Brokerage will receive a pre agreed pro rata clawback within the below timeframes.

ProductCommission %Clawback Period (Months)
Mortgage - Switcher1%36

Second and Subsequent Time Buyers

Credit intermediation with respect to Mortgages allows for an initial once off upfront commission to remunerate a Brokerage based on the advice, service and packaging of a mortgage. If a client switches or ceases to pay a Mortgage repayment with the clawback period, the Brokerage will receive a pre agreed pro rata clawback within the below timeframes.

ProductCommission %Clawback Period (Months)
Mortgage - Second/subsequent Buyer1%36

First-Time Buyer

Credit intermediation with respect to Mortgages allows for an initial once off upfront commission to remunerate a Brokerage based on the advice, service and packaging of a mortgage. If a client switches or ceases to pay a Mortgage repayment with the clawback period, the Brokerage will receive a pre agreed pro rata clawback within the below timeframes.

ProductCommission %Clawback Period (Months)
Mortgage - First-Time Buyer1%36

Equity Release

Credit intermediation with respect to Mortgages allows for an initial once off upfront commission to remunerate a Brokerage based on the advice, service and packaging of a mortgage. If a client switches or ceases to pay a Mortgage repayment with the clawback period, the Brokerage will receive a pre agreed pro rata clawback within the below timeframes.

ProductCommission %Clawback Period (Months)
Mortgage - Equity Release1%36

Ivernia


Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Home Plus17.5%
Protect Private Car8%

Irish Engineering Services


Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Engineering13%
Engineering inspection15%

Irish Life Assurance plc


Whole of Life Protection

The Whole of Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Whole of Life100%28%60

Term Life Protection

A Term Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Term Protection160%28%60

Single Premium PRSA

ProductInitial %Recurring %
Single PRemium PRSA5%0.75%

Specified Illness

A Specified Illness Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Specified100%28%60

Savings

The Savings contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to ' clawback ' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %RenewalClawback Period (Months)
Savings5.5%0.5%5.5%48

Pension Term

A Pension Term Assurance Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Pension Term160%20%60

Personal Retirement Savings Account RP (PRSA)

A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s.  Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %RenewalClawback Period (Months)
Regular Premium PRSA17.5%0.5%5%48

Personal Retirement Bond (PRB)

The Pension Retirement Bond typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %
PRB5%0.75%

Mortgage Protection

A Mortgage Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Mortgage Protection160%28%60

Income Protection

An Income Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Income Protection120%30%60

Investment

An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %
Investments5%0.5%

Group Income Protection

ProductInitial %Recurring Commission %
Group IP12.5%12.5%

Defined Contribution Pension

A Defined Contribution Product typically provides for an Initial Commission as outlined below.  Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %RenewalClawback Period (Months)
Regular Premium pension17.5%0.5%5%48
Single premium pension5%0.75%--

Approved Retirement Fund (ARF)

An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

 

ProductInitial %Recurring Commission %
ARF5%0.75%

Irish Life Health


Health Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Health Insurance6%

Rokstone Insurance Europe Ltd t/a iSure Underwriting


Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
All risks over 5k-
Combined Liability15%
Commercial Combined16%
Contractors15%
Property Owners19%
Public Liability15%
Shops15%
Tradesman15%
Unoccupied Property Owners15%

Independent Trustee Company Limited


Personal Retirement Savings Account RP (PRSA)

A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s.  Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %
PRSA2%

Personal Retirement Bond (PRB)

The Pension Retirement Bond typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %
PRB2%

Approved Retirement Fund (ARF)

An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

 

ProductInitial %
ARF2%

Marsh Ireland Brokers Limited


Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Professional Indemnity10%

Personal Accident Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Personal Accident8.96%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Electrical Cont. Scheme12.5%
Marine10%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Liability10%
Public Liability Only10%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
All Others Guesthouse Fire /Theft Accidental Damage10%
Charities10%
Commercial10%
Electrical Contractors10%
Fleet Insurance3%
Motor Fleet5%
Sports10%

KBC


Mortgage Switcher

Credit intermediation with respect to Mortgages allows for an initial once off upfront commission to remunerate a Brokerage based on the advice, service and packaging of a mortgage. If a client switches or ceases to pay a Mortgage repayment with the clawback period, the Brokerage will receive a pre agreed pro rata clawback within the below timeframes.

ProductCommission %Clawback Period (Months)
Mortgage - Switcher1%36

Second and Subsequent Time Buyers

Credit intermediation with respect to Mortgages allows for an initial once off upfront commission to remunerate a Brokerage based on the advice, service and packaging of a mortgage. If a client switches or ceases to pay a Mortgage repayment with the clawback period, the Brokerage will receive a pre agreed pro rata clawback within the below timeframes.

ProductCommission %Clawback Period (Months)
Mortgage - Second/subsequent Buyer1%36

First-Time Buyer

Credit intermediation with respect to Mortgages allows for an initial once off upfront commission to remunerate a Brokerage based on the advice, service and packaging of a mortgage. If a client switches or ceases to pay a Mortgage repayment with the clawback period, the Brokerage will receive a pre agreed pro rata clawback within the below timeframes.

ProductCommission %Clawback Period (Months)
Mortgage - First-Time Buyer1%36

Equity Release

Credit intermediation with respect to Mortgages allows for an initial once off upfront commission to remunerate a Brokerage based on the advice, service and packaging of a mortgage. If a client switches or ceases to pay a Mortgage repayment with the clawback period, the Brokerage will receive a pre agreed pro rata clawback within the below timeframes.

ProductCommission %Clawback Period (Months)
Mortgage - Equity Release1%36

KBIS Limited


Personal Accident Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Personal Accident Insurance10%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Horse and Pony Insurance10%
Irish Branch of the Pony Club10%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Liability10%
Combined Liability insurance10%
Farriers Liability Insurance10%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Household Insurance10%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Property Insurance10%
Equestrian Establishment Property Insurance10%
Masterplan10%

KennCo Underwriting Ltd


Travel Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Travel15%

Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Professional Indemnity15%

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Private Car11%
Private Motor Choice11%
Private Motor Unique11%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Taxi7.5%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Liability15%
Public Liability15%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Holiday Homes22%
Home - Choice22%
Home - Rental22%
Home - Unique22%
Household Policies22%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Commercial Combined15%
Commercial Vehicle7.5%
Garage Combined15%
Hackney7.5%
Motor Trade Policies10%
Property Owners15%

Generali Seguros t/a RedClick


Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Private Car12%
Private Car-

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Nursing Home Combined17.5%
Taxi5%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Holiday Homes10%
Household22%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Agricultural Vehicle10%
Commercial Combined15%
Commercial Vehicle12%
Fleet Insurance8%
Hackney5%
Private Motor8.5%
Rental Property20%

Lloyds of London


Travel Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Travel25%

Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Professional Indemnity15%

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Motor Contingency15%
Multi Vehicle5%
Private Car5%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Agricultural Vehicle5%
Contractors Works15%
Engineering Business Interuption15%
Engineering Insurance Inspection15%
Fire Schedule12%
Goods in Transit18%
Horses15%
Livestock15%
Loss of Profits12%
Money15%
Theft15%
Trailer25%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Carriers10%
Haulage Liability8%
Products Liability10%
Public Liability10%
Sports Liability12%
Trades Liability12%
Transit Liability12%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
ADF&T10%
Commercial Vehicle5%
Fire/Perils12%
Fleet Insurance5%
Glass15%
Motor Traders5%
Property Damage10%
Shopkeepers15%

London Ireland Market Exchange Ltd


Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
All types-
Motor Fleet7.5%
Property Owners10%

Lonsdale Ins. Brokers


Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
PROF INDEMNITY15%
PROFESSIONAL INDEMN.15%
UK PROF INDEM15%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
CYBER15%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
CONTINGENT LIABILITY15%
Combined Liability15%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
COMBINED TRADERS15%
COMMERCIAL COMBINED20%
D&O15%

MIS Underwriting Ltd


Travel Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Travel25%

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission €Commission %
MOTOR EXCESS=€15-
Motor Extra Benefits-45%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission €Commission %
Key Dependent on price =€18-
Legal Expenses-45%
Legal Expenses-45%
Rent Guarantee policy€8-

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
ROI Owner Occupied20%
ROI Residential Let25%

MS Amlin Underwriting @ Lloyds


Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Commercial Combined23%

NewCourt


Personal Retirement Savings Account RP (PRSA)

A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s.  Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductRecurring Commission %
PRSA0.25%

Personal Retirement Bond (PRB)

The Pension Retirement Bond typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductRecurring Commission %
PRB0.25%
PRB0.25%

Investment

An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %
Investments0.25%0.25%

Approved Retirement Fund (ARF)

An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

 

ProductRecurring Commission %
ARF0.25%
ARF0.25%

New Ireland Assurance Company plc


Term Life Protection

A Term Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Term Protection225%50%60

Single Premium PRSA

ProductInitial %Recurring %Clawback Period
Single Premium PRSA10%0.5%60

Specified Illness

A Specified Illness Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Specified225%50%60

Savings

The Savings contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to ' clawback ' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %RenewalClawback Period (Months)
Savings10%0.5%2.5%60

Pension Term

A Pension Term Assurance Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Pension Term225%50%60

Personal Retirement Savings Account RP (PRSA)

A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s.  Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %RenewalClawback Period (Months)
Regular Premium PRSA25%0.5%6%60

Personal Retirement Bond (PRB)

The Pension Retirement Bond typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
PRB5%1%60

Mortgage Protection

A Mortgage Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Mortgage Protection225%50%60

Income Protection

An Income Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Income Protection225%50%60

Investment

An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Investments5%1%36
Regular Contribution Investment Policy15%0.5%60
Regular Contribution PRSA25%0.5%60
Regular Contribution Pensions25%1%60

Group Income Protection

ProductInitial %Recurring Commission %Clawback Period (Months)
Group IP20%20%12

Defined Contribution Pension

A Defined Contribution Product typically provides for an Initial Commission as outlined below.  Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %RenewalClawback Period (Months)
Regular Premium pension25%1%8%60
Single premium pension5%1%-60

Approved Retirement Fund (ARF)

An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

 

ProductInitial %Recurring Commission %
ARF5%1%

NFP Commercial Insurance Solutions (Ireland)


Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Professional Indemnity10%

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Personal Lines20%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Marine20%
Other15%
Surety Bonds20%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Liability & Excess Liability15%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Household10%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Comm package14.5%
Commercial combined20%
Motor (Incl Fleet/Trade etc.)20%
PL/Malpractice9.5%
Property Owners20%
Tour Operators20%
Unoccupied Properties20%

Hastings Insurance (Dublin) Limited t/a Hastings Insurance


Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Traders Funeral Directors15%
Combined Traders Hair and Beauty Salons15%

Northern Marine U/W Ltd.


Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Goods in Transit20%
Marine20%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Contractors all risk20%

OBF Insurance Group Ltd.


Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Professional Indemnity10%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Holiday Home12%
Household12%
Mobile Home12%

O'Callaghan Insurance


Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
House10%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Apartment Block10%
Commercial Combined15%
Eire Property Owners10%
Eire Unoccupied Property Owners10%
Flats10%

Optis Insurances Ltd.


Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
P.I20%

Personal Accident Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Personal Accident15%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
B & B15%
Couriers12.5%
Goods in Transit20%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Liability15%
ELPL15%
Public Liability15%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Commercial Combined15%
Commercial Package15%
Contractors All Risks15%
Office15%
Property Owner17.5%
Pub/Restaurant15%
Real Estate17.5%
Self Build15%
Shop15%
Shopkeepers15%

Ornella Underwriting Limited


Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
ADF&T15%
Bloodstock10%
Equicover10%
Horsebox5%
Special Types5%
Special Types Trailers5%
Unmanned Aircraft7.5%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Equestrian Liability5%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Commercial Combined10%
Connect Car6%
Connect Car5%
Connect Home15%
Courier5%
Fleet10%
Logistics Combined10%
Private Car Connect5%
Private Car Evolve5%
Private Car FlexiCar5%
Special Types5%

Pen Underwriting Ltd


Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Liability10%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Commercial20%
Commercial Combined10%
Commercial Vehicle5%
Motor Fleet10%

Prestige Underwriting Services (Ireland) Limited


Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Professional Indemnity5%

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Octane Ireland Motor9%
Octane Ireland Motor EDI9%
Prestige Ireland Private Motor10%
Prestige Personal Portfolio (Home, Motor & New NI Motor)-
Private Car10%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Contractors Works15%
Directors and Officers15%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Liability10%
Combined Liability15%
Public Liability10%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Holiday Home25%
Household25%
Prestige Homesafe15%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Amtrust Property ROI14%
Commercial Combined15%
Commercial Vehicle8%
Commercial Vehicle8%
Motor Trade10%
Prestige Ireland Motor Trade10%
Prestige Ireland Non Standard CV8%
Prestige Manual Product-
Rental Property20%
Shopkeepers15%

PTSB


Mortgage Switcher

Credit intermediation with respect to Mortgages allows for an initial once off upfront commission to remunerate a Brokerage based on the advice, service and packaging of a mortgage. If a client switches or ceases to pay a Mortgage repayment with the clawback period, the Brokerage will receive a pre agreed pro rata clawback within the below timeframes.

ProductCommission %Clawback Period (Months)
Mortgage - Switcher1%36

Second and Subsequent Time Buyers

Credit intermediation with respect to Mortgages allows for an initial once off upfront commission to remunerate a Brokerage based on the advice, service and packaging of a mortgage. If a client switches or ceases to pay a Mortgage repayment with the clawback period, the Brokerage will receive a pre agreed pro rata clawback within the below timeframes.

ProductCommission %Clawback Period (Months)
Mortgage - Second/subsequent Buyer1%36

First-Time Buyer

Credit intermediation with respect to Mortgages allows for an initial once off upfront commission to remunerate a Brokerage based on the advice, service and packaging of a mortgage. If a client switches or ceases to pay a Mortgage repayment with the clawback period, the Brokerage will receive a pre agreed pro rata clawback within the below timeframes.

ProductCommission %Clawback Period (Months)
Mortgage - First-Time Buyer1%36

Equity Release

Credit intermediation with respect to Mortgages allows for an initial once off upfront commission to remunerate a Brokerage based on the advice, service and packaging of a mortgage. If a client switches or ceases to pay a Mortgage repayment with the clawback period, the Brokerage will receive a pre agreed pro rata clawback within the below timeframes.

ProductCommission %Clawback Period (Months)
Mortgage - Equity Release1%36

Deposits

ProductCommission %
Deposits0.2%

Aston Lark Europe Limited t/a Robertson Low


Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Professional Indemnity10%
Professional Indemnity(Excess Layer)10%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Liability10%
Employers Liability10%
General Liability10%
Medical Malpractice10%
Product Liability10%
Public Liability10%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
HNW Household10%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Apartment Block10%
Apartment Block(Aviva)10%
Aviation (Hull)10%
Business Interruption10%
Commercial Combined10%
Commercial Combined13%
Commercial Combined( NBS)5%
Construction Bond10%
Construction/Trademaster scheme10%
Contractors All Risks10%
Contractors All Risks10%
Cyber Insurance10%
Cyber Risk12%
Directors & Officers10%
Event Cancellation10%
Exhibition Insurance10%
Fire & Perils10%
Material Damage10%
Property Owner10%

Royal London Insurance DAC


Whole of Life Protection

The Whole of Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Whole of Life200%36%60

Term Life Protection

A Term Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Term Protection200%36%60

Specified Illness

A Specified Illness Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Specified225%36%60

Pension Term

A Pension Term Assurance Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Pension Term225%36%60

Personal Retirement Savings Account RP (PRSA)

A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s.  Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Renewal
PRSA22.5%5%

Personal Retirement Bond (PRB)

The Pension Retirement Bond typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %
Personal Retirement Bond5%

Mortgage Protection

A Mortgage Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Mortgage Protection200%36%60

Income Protection

An Income Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Income Protection225%60%60

Approved Retirement Fund (ARF)

An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

 

ProductInitial %
ARF5%

RSA Insurance Ireland DAC


Travel Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Personal Accident/Travel20%
Travel30%

Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Professinal Indemnity22.5%
Professional Indemnity10%
Professional Indemnity17.5%
Professional Indemnity15%

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Caravan15%
Classic Car Scheme5%
Limited Mileage5%
MG Owners Scheme5%
Morris Minor5%
Motor-
Motor Damage10%
Multi Vehicle5%
RSA Broker Motor Insurance Private Car11%

Personal Accident Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Personal Accident20%
Personal Accident15%
Sports Person Accident25%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Agricultural Vehicle5%
Computer15%
Contractors Works20%
Crime20%
Directors and Officers15%
Engineering Business Interuption15%
Engineering Insurance Inspection15%
Fidelity Guarantee20%
Financial Risks15%
Fire Schedule15%
Goods in Transit18.8%
Goods in Transit20%
Marine20%
Marine18%
Marine18.8%
Marine: Small Craft15%
Money15%
Special Types5%
Sports Property Damage15%
Taxi10%
Theft20%
Theft by Employees20%
Trailer25%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Carriers Liability20%
Combined Liability10%
Combined Liability9%
Employers Liability6%
Employers Liability6%
Office Liability10%
Public Liability10%
Public Liability10%
Sports Liability17.5%
Transit Liability20%
Transit Liability18%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Holiday Home25%
Household25%
R.I.A.I. Home Secure5%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
All Risks15%
Apartments/Block of Flats15%
Barristers Office22.5%
Cargo20%
Combined15%
Commercial Combined15%
Commercial Package20%
Commercial Vehicle5%
Commercial Vehicle Fleet5%
Contractors All Risks15%
Engineering15%
Engineering15%
Farmers Combined15%
Fire/Perils15%
Fire/Perils12.5%
Fleet Insurance10%
Glass20%
I.D.A. Motor Scheme5%
I.H.C.A. Motor Scheme5%
Motor Traders5%
Multi Risk5%
Office17.5%
Office Combined17.5%
Office Combined15%
Property12.5%
Property12.5%
Property Damage15%
Property Owners15%
R.I.A.I. Motor Scheme5%
Shop15%
Shopkeepers15%
Surgery17.5%
Traders20%
Traders20%

Securus Insurance Ltd


Travel Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
PA/Travel (Chubb)10%

Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
PROFESSIONAL INDEMN.10%
Professional Indemnity (AXA XLl)10%
Professional Indemnity (Chubb)10%
Professional Indemnity (Citynet)-

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Chubb Masterpiece Motor5%
Classic Car5%
HNW Motor - Dual5%
Private Motor5%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Liability10%
Cyber Liability (Various)10%
Excess Liability10%
Excess Liability10%
Excess Liability (CNA Hardy)10%
Excess Liability (Chubb)10%
PROPERTY OWNERS15%
PUBLIC LIABILITY13.7%
Premises Liability15%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
HOUSEHOLD15%
OL PROPERTY OWNER10%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
APARTMENT BLOCK15%
COMMERCIAL COMBINED16%
Chubb Masterpiece Household12.5%
Clinical Trials (Chubb)10%
Commercial Combined (Chubb)10%
Commercial Combined (Citynet)-
D&O (Chubb)10%
D&O (HCC)10%
Engineering (HSB)10%
Event Cancellation (Chubb)10%
HNW Household - Dual12.5%
Kidnap & Ransom (Chubb)10%
MOTOR FLEET15%
Marine Cargo (CNA)10%
Miscellaneous15%
Office15%
POL - Securus - offline10%
POL - Securus - online15%
Property Owners (Citynet)10%
Terrorism Cover (Citynet)-
UNOCCUPIED PROPERTY OWNERS INSURANCE QBE10%
Vacant Property (Securus - offline)10%
Vacant Property (Securus - online)15%

Sertus Underwriting Limited


Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Private Motor7.5%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
HOUSEHOLD15%

Standard Life International dac


Single Premium PRSA

ProductInitial %Recurring %
Single Premium PRSA5%0.5%

Savings

The Savings contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to ' clawback ' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Savings15%1%60

Personal Retirement Savings Account RP (PRSA)

A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s.  Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Renewal
Regular Premium PRSA5%0.5%5%

Personal Retirement Bond (PRB)

The Pension Retirement Bond typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %
PRB5%1%

Investment

An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %
Investment4%1%

Defined Contribution Pension

A Defined Contribution Product typically provides for an Initial Commission as outlined below.  Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %RenewalClawback Period (Months)
Regular Premium pension25%1%8%60
Single premium pension5%1%-48

Approved Retirement Fund (ARF)

An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

 

ProductInitial %Recurring Commission %
ARF4%1%

Stuart Insurances Ltd


Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Eversure Home Insurance15%

Specialist Underwriting Services Ltd.


Travel Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Travel - Business10%
Travel - Individual10%

Personal Accident Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Personal Accident10%
Personal Accident / Illness10%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
All Others-
Miscellaneous Safe15%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Liability12.5%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Chip Safe15%
Commercial Combined15%
Commercial Package15%
Gourmet Safe15%
Property Owners15%
Shop Safe15%

Sweeney Walsh & Associates and Equestrian Insurances Ireland


Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Material Damage9%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Liability9%
Public Liability9%

Tasker & Partners Ltd (JRP)


Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
COMBINED LIABILITY10%
Public Liability18%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
COMBINED ALL RISKS10%
Commercial Combined18%
Property Damage21%
Property Owners21%
Traders Combined10%

Thomond Underwriting Ltd.


Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Professional Indemnity (AmTrust)12.5%
Professional indemnity - AmTrust Europe Ltd through Collegiate Underwriting12.5%

Personal Accident Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Personal Accident & Illness with Lloyds Insurance Co SA10%
Personal Accident (Axis/Lloyds)10%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Liability15%
Liability (Calpe)15%
Liability with Calpe Insurance Company Limited via Corin Underwriting Ltd15%
Public Liability12.4%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Bonds case by case depending on Surety-
Commercial Combined15%
Commercial Package12.6%
Contractors All Risk with Great American International Insurance (EU) DAC via Corin Underwriting Ltd15%
Contractors All Risks with Certain Underwriters at Lloyd's via The Fiducia MGA Co Ltd15%
Contractors all risks (Great America)15%
Contractors all risks(Fiducia)15%
Cyber (Safe Online)12%
Cyber with Lloyd's Insurance Co SA12%
Cyber, Lloyd's Insurance Co SA10%
Material Damage & BI15%
Material Damage & BI with Lloyd's Insurance Co SA15%
Property Owners15%
Property Owners with LLoyds Insurance Co SA15%

Tokio Marine HCC - International Group


Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
PROFESSIONAL INDEMN.25%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Directors & Officers20%

Travelers Insurance Co Ltd


Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Professional Indemnity15%

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Classic Car Scheme5%
Multi Vehicle5%
Private Car10%
Private Motor Vehicle - NB and Rnl10%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Miscellaneous10%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Liability9%
Employers Liability6%
Employers Liability (Package)15%
Employers Liability (Stand Alone)6%
Management Liability Package17.5%
Management Liability Package - NB25%
Motor Trade (Property & Liability covers)15%
Public Liability10%
Public Liability (Package)15%
Public Liability (Stand Alone)10%
Technology E&O and Cyber Liabilities20%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
APARTMENT BLOCK15%
Commercial Combined15%
Commercial Package15%
Commercial Vehicle5%
Directors & Officers17.5%
Fleet Insurance5%
Golf Select20%
I.H.C.A. Motor Scheme5%
Motor Fleet5%
Motor Trade Road Risks5%
Motor Trade Road Risks - NB10%
Motor Traders5%
Motortrade10%
Multi Risk5%
Property Covers (Package or Stand Alone but excluding Motor Trade)15%
Property Owners15%
R.I.A.I. Motor Scheme5%

Specialist Risk Europe Ltd t/a The Underwriting Exchange, MX Underwriting & LIME


Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Professional Indemnity10%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
CONSEQUENTIAL LOSS12.5%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Liability10%
Employers Liability10%
Excess Public Liabililty10%
Liability12.5%
Product Liability10%
Property Owners Liability12.5%
Public Liability10%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Apartments10%
Clinical Trials10%
Combined17.5%
Commercial Combined12.5%
Commercial Package10%
Commercial Property10%
Motor Fleet7.5%
Property15%
Terrorism10%

Willis Towers Watson Insurances (Ireland) Limited t/a Willis Towers Watson


Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Professional Indemnity10%

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission €Commission %
Asgard Private Car€55%
Motor Damage-10%
Multi Vehicle-5%
Private Car-10%
Rent a Car-10%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Contractors Works10%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission €Commission %
Combined Liability-9%
Combined Liability-9%
Employers Liability-6%
Motor Traders - Liabilities-14%
Public Liability-10%
SIM Liability€77%
SIMI MOTOR TRADE - LIABILITY-7%
Tradesure Liability€1515%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission €Commission %
Apartments-17.5%
Asgard Bus & Coach 1-4€55%
Asgard Bus & Coach Fleet€55%
Asgard Commercial Fleet€55%
Commercial Combined-10%
Commercial Combined-13%
Commercial Package-11.5%
Commercial Vehicle-10%
Commercial Vehicle-8%
Fleet Insurance-10%
Golfsure Combined€1515%
Golfsure Motor€55%
Golfsure Personal€55%
Guest House-10%
I.D.A. Motor Scheme-5%
Internal Risks-10%
Motor Fleet-7.85%
Motor Traders- Material Damage-15%
Motor Traders- Road Risks-5%
Multi Risk-5%
Office Combined€1515%
Property Owners-17.5%
Propsure€17.517.5%
SIMI MOTOR TRADE - MOTOR-5%
SIMI MOTOR TRADE - PROPERTY, BI, MONEY-15%
SIMI Motor€55%
SIMI Motor Trade | Property, BI & Money€1515%
Traders Combined-10%
Tradesure Commercial Motor€1010%

W R Berkley Ins (Eur) Ltd -Bdx


Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Employers Liability20%
Public Liability20%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Commercial Combined20%

Wrightway Underwriting Ltd.


Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Motor Damage5%
Private Car10%
Private Car / Light Commercial Vehicle5%
Van Plan5%

Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
EL & PL Wrightway12%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Carriers Liability10%
Carriers Liability10%
Combined Liability8%
Contractors Combined Liability12%
Haulage Liability10%
Liability Scheme12%
PUBLIC LIABILITY12%
Trades Liability12%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
HOUSEHOLD17.5%
Holiday Home17.5%
House17.5%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
ADF&T10%
ADF&T10%
Commercial Vehicle5%
Engineering10.5%
Haulage Fleet5%
Haulage Property10%
Haulage Single Vehicle5%
Haulage Single Vehicle10%
Inspection15%
MARINE INSURANCE5%
MOTOR FLEET5%
Mini Fleet10%
Multi Risk5%
Multi Vehicle10%
Own Goods10%
Rental Property17.5%
Rigid Vehicle10%
Special Types5%
Special Types5%
Survey Fee-
TRANSIT INSURANCE5%
Traders Transit5%
Traders Transit5%
Trailer ADF&T10%
Truck Plan10%
Watford Fleet5%
Watford MultiPlan5%
Watford TruckPlan5%

XL


Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Nursing Homes25%

XS Direct Ins. Brokers Ltd.


Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Private Car10%

M. J. O'Neill (Insurances) ltd t/a Yachtsman Euromarine


Other

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
MARINE INSURANCE12.5%
MARINE INSURANCE9%
Marine Hull10%
YACHT & H BOAT INSC.10%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Boat Insurance10%
Marine Trades10%
Special Types9%

Zurich Insurance Europe AG


Travel Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Annual Travel Policy15%
Group Personal Accident Travel15%
Personal Accident Travel Pol.15%
Travel25%

Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Professional Indemnity15%
Professional Indemnity25%
ZPI - Professional Indemnity15%

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

ProductCommission %
Caravan15%
Motor Damage10%
Multi Vehicle5%
Private Car9%

Personal Accident Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Group Personal Accident Policy15%
Personal Accident20%
Personal Accident Policy15%
Personal Accident Road & Rail15%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Combined Liability10%
Employers Liability6%
Public Liability10%
Transit Liability18%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Broker Household15%
Broker Household DA20%
Combined Caravan/Mobile Home15%
Holiday Home15%
Home Insurance22%
Household15%
Household15%
Household DA15%
Private Dwelling House Policy15%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

ProductCommission %
Accidental Damage12.5%
All Risks15%
Apartment Block Insurance10%
Apartment Block Policy15%
Building in the Course of Erection15%
Combined Property Policy12.5%
Combined Property Policy15%
Commercial Combined15%
Commercial Combined (U.K.) Pol15%
Commercial Liability Policy10%
Commercial Motor Vehicle6.5%
Commercial Property12%
Commercial Vehicle9%
Commercial Vehicle5%
Commerical Package20%
Computer15%
Computer All Risks" Policy"15%
Contractors All Risks" Policy"15%
Contractors Works15%
Contractors Works12.5%
Cyber Policy20%
Directors & Officers20%
ENP- Engineering15%
Elite Private Car7.5%
Engineering Insurance Inspection15%
Engineering Policy20%
Farm Fire Policy12.5%
Farm Policy12.5%
Fidelity Guarantee12.5%
Fidelity Policy15%
Fire Schedule12.5%
Fire/Perils15%
Fire/Perils12.5%
Fleet Insurance5%
Fleet Motor Vehicle5%
Goods in Transit18%
Guest House All In" Policy"15%
HGV Fleet10%
Hackney5%
I.D.A. Motor Scheme5%
I.H.C.A. Motor Scheme5%
Internal Risks10%
Legal Expenses15%
Legal Expenses25%
MRP - Marine15%
Marine20%
Marine Policy17.5%
Marine: Small Craft15%
Mini Fleet Vehicle5%
Miscellaneous Bonds Policy15%
Motor Traders5%
Motor Traders Combined5%
Motor Traders Internal Policy10%
Multi Risk5%
Nursing Home Combined15%
Office Combined15%
Office Policy15%
Private All Risks" Policy"15%
Property Owners15%
R.I.A.I. Motor Scheme5%
Residential Care Home Policy15%
Shop15%
Shopkeepers15%
Shops Policy15%
Small Craft/ Yacht Policy15%
Special Types5%
Special Types5%
Tradestar Office15%
Tradestar Property Owners15%
Tradestar Shop15%
Tradestar-Property Owners15%
Trailer15%
Truck Way- Single Truck10%

Zurich Life Assurance plc


Whole of Life Protection

The Whole of Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Whole of Life90%18%12

Term Life Protection

A Term Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Term Protection180%40%12

Single Premium PRSA

ProductInitial %Recurring %
Single Premium PRSA5%0.75%

Specified Illness

A Specified Illness Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Specified100%12%12

Savings

The Savings contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to ' clawback ' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %RenewalClawback Period (Months)
Savings10%0.5%1%48

Pension Term

A Pension Term Assurance Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Pension Term100%12%12

Personal Retirement Savings Account RP (PRSA)

A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s.  Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %RenewalClawback Period (Months)
Regular Premium PRSA30%0.75%5%48

Personal Retirement Bond (PRB)

The Pension Retirement Bond typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %
PRB5%0.5%

Mortgage Protection

A Mortgage Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %Clawback Period (Months)
Mortgage Protection180%40%12

Investment

An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %
Investment5%0.5%

Group Income Protection

ProductInitial %Recurring Commission %
Group IP12.5%12.5%

Defined Contribution Pension

A Defined Contribution Product typically provides for an Initial Commission as outlined below.  Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

ProductInitial %Recurring Commission %RenewalClawback Period (Months)
Regular Premium pension20%0.5%3%48
Single premium pension5.5%0.5%--

Approved Retirement Fund (ARF)

An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

 

ProductInitial %Recurring Commission %
ARF5%0.5%

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