Documents

Understandably, we know you might not have your insurance documents close by, and we also understand that nobody wants to spend an age looking for them.

 

Here at Campion we put the customer first, so, for your convenience, we have a list below of the insurance policy documents by Insurer. To view, click on the name of your Insurer.  Your policy document should always be read in conjunction with your policy schedule and certificate of insurance that you received at inception or renewal of your policy.

 

If you cannot find what you are looking for, please call us on 1890 300 301 and one of our dedicated team members will be happy to help.

 

Click here to view your home insurance policy documents

Click here to view your motor insurance policy documents

Click here to view your ARAG/DAS Legal Protection policy documents

Click here to view our Terms of Business

 

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Important Assumptions

For the purpose of determining the term over which pension contributions are made, we have assumed your birthday was exactly six months ago.

If your target retirement age is lower than the age at which the Social Welfare pension commences (age 68 if you are born on/after 01/01/1961, age 67 if born before this date but on/after 01/01/1955 and age 66 if born before 01/01/1955) the calculations allow for funding for this gap, in addition to the cost of the annuity.

You are entitled to a full Social Welfare pension of €248.30 per week as at March 2019 which is assumed to increase by 2.5% per year.

You are saving for the difference between the Social Welfare pension and your target monthly income in retirement.

We have allowed for inflation of your target monthly income of 2.5% per annum between now and your retirement date.

Any other private pension provision you may have in place has not been taken into account.

Your monthly pension contribution increases by 2.5% each year up until your retirement age and is invested in a pension plan with an annual management charge of 1% and a 5% charge on each contribution, in line with the Standard PRSA fees and charges maximum limit.

A Gross Investment Return of 4.2% per annum on your savings. This is not a forecast because the value of your investment may grow at a faster or slower rate than assumed and the value of your investment may be expected to fall from time to time as well as rise.

On retirement you purchase an annuity which escalates at 1.5% each year, has a 5-year guarantee and is payable monthly in advance. The annuity rate assumes a post retirement interest rate of 2% per annum and no spouse’s pension. The actual annuity rate will depend on the selection of dependant’s pension, guaranteed period and the escalation rate, as well as interest rates prevailing when the annuity is purchased.

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