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Patrona – Policy Documents

Please refer to your policy schedule to confirm which scheme applies to you.

Patrona Flexi (Alwyn) Private Car Insurance Policy Document (policies taken out or renewed from 1st December 2020)
– PU_PCI-PB_Patrona_Flexi_Car_Policy-12-20_D4-policies-taken-out-or-renewed-from-01.12.2020.pdf

Patrona Evolve (Alwyn) Private Car Insurance Policy Document (policies taken out or renewed from 1st November 2020)
– PU_Patrona_Evolve_Car_Policy-2020-11-PE-policies-taken-out-or-renewed-from-01.11.2020.pdf

Patrona Flexi (RSA) Light Commercial Vehicle Insurance Policy Document (policies taken out or renewed from 1st December 2020)
– PU-FVI-PB-Flexi-Van-Policy-Document-RSA-12-20_D4-effective-01.12.2020.pdf

Patrona Evolve (RSA) Light Commercial Vehicle Insurance Policy Document (policies taken out or renewed from 1st November 2020)
– PU_Patrona_Evolve_Van_Policy-11-20-policies-taken-out-or-renewed-from-1.11.2020.pdf

Please see Archive for policies taken out or renewed on previous dates.

Archive

Please refer to your policy schedule to confirm which scheme applies to you.

Patrona Flexi (Alwyn) Private Car Insurance Policy Document (policies taken out or renewed from 1st October 2020 to 30th November 2020)
3. PU_PCI PB_Patrona_Flexi_Car_Policy 09-20_D2 (policies taken out or renewed between 1.10.2020 – 30.11.2020).pdf

Patrona Flexi (Alwyn) Private Car Insurance Policy Document (policies taken out or renewed from 1st March 2020 to 30th September 2020)
– 2. PU_PCI PB_Patrona_Flexi_Car_Policy 2020 03 PE (policies taken out or renewed between 1.3.2020 – 30.9.2020).pdf

Patrona Flexi (Alwyn) Private Car Insurance Policy Document (policies taken out or renewed from 1st November 2019 to 29th February 2020)
– 1. PU_PCI PB_Patrona_Flexi_Car_Policy 1119 (policies taken out or renewed between 1.11.19 – 29.2.20).pdf

Patrona Evolve (Alwyn) Private Car Insurance Policy Document (policies taken out or renewed from 1st July 2020 to 31st October 2020)
– 2. PU_Patrona_Evolve_Car_Policy 07.20 effective 01.07.20 – 31.10.20.pdf

Patrona Evolve (Alwyn) Private Car Insurance Policy Document (policies taken out or renewed from 1st April 2020 to 30th June 2020)
– 1. PU_Patrona_Evolve_Car_Policy 04-20 (003) effective 1.4.20-30.6.20.pdf

Patrona Flexi (RSA) Light Commercial Vehicle Insurance Policy Document (policies taken out from 1st September 2020 to 30th November 2020 or renewed from 1st October 2020 to 30th November 2020)
– 3. PU FVI PB Flexi Van Policy Document RSA 2020 10 PE (policies taken out or renewed between 01.09.2020 and 30.11.2020).pdf

Patrona Flexi (RSA) Light Commercial Vehicle Insurance Policy Document (policies taken out from 1st March 2020 to 31st August 2020 or renewed from 1st of March 2020 to 30th September 2020)
– 2. PU FVI PB Flexi Van Policy Document RSA 2020 03 PE (policies taken out or renewed between 01.03.2020 AND 31.08.2020).pdf

Patrona Flexi (RSA) Light Commercial Vehicle Insurance Policy Document (policies taken out or renewed from 1st November 2019 to 29th February 2020)
– 1. PU FVI PB Flexi Van Policy Document RSA 1119 2019 11 PE (policies taken out or renewed between 01.11.2019-29.2.2020).pdf

Patrona Evolve (RSA) Light Commercial Vehicle Insurance Policy Document (policies taken out or renewed from 1st July 2020 to 31st October 2020)
– 2. PU_Patrona_Evolve_Van_Policy 07-20 (01.07.20-31.10.20).pdf

Patrona Evolve (RSA) Light Commercial Vehicle Insurance Policy Document (policies taken out or renewed from 1st April 2020 to 30th June 2020)
– 1. PU_Patrona_Evolve_Van_Policy 04-20 (01.04.20-30.06.20).pdf

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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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