Remuneration Charges

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.

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 commission Indemnity 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.

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).

Product Commission %
PA/Travel 20%
Travel 25%

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)

Product Commission %
Professional Indemnity 22.5%

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)

Product Commission %
Car Hire Excess 25%
Classic Car Scheme 8%
Classic Car Scheme 10%
Limited Mileage 10%
MG Owners Scheme 8%
Morris Minor 10%
Motor Cycle 10%
Multi Vehicle 6%
Multi Vehicle 8%
Private Car 10%

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).

Product Commission %
Personal Accident 20%

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).

Product Commission %
Cyber Liability 20%
D&O, Crime, PTL, EPL, Entity 17.5%
D&O, Crime, PTL, EPL, Entity Rapidcover (Bus Guard) 20%
Directors and Officers 20%
EL 6%
Employers Liability 6%
Environmental Liability 18%
Excess Liability 10%
PL 10%
PL Rapidcover 20%
Products Liability 10%
Public Liability 10%
Sports Liability 12%
Transit Liability 12%

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).

Product Commission %
Claim 15%
Fire Schedule 12%
Fire/Perils 12%
Household 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).

Product Commission %
Agricultural Vehicle 5%
Com Comb Rapidcover 20%
Commercial Combined 25%
Commercial Vehicle 10%
Commercial Vehicle 6%
Computer 15%
Contractors Works 15%
Crisis Management 25%
Cyber 20%
Cyber Rapidcover 25%
Directors and Officers 15%
Driving Instruction 8%
Driving Instruction 10%
Driving Testers 10%
Engineering Insurance Inspection 15%
Excess 10%
Excess Rapidcover 25%
Fleet Insurance 5%
Glass 15%
Goods in Transit 18%
Horses 15%
Instructor Vehicle 10%
Livestock 15%
Loss of Profits 12%
Marine 20%
Money 15%
Motor Contingency 15%
Motor Traders 5%
Multi Risk 5%
Office Rapidcover 20%
Prop Own Rapidcover 20%
Property 15%
Property Damage 10%
Shop 15%
Shopkeepers 15%
Shops Rapidcover 20%
Terrorism 15%
Theft 15%

Alan Tierney & 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).

Product Commission %
Combined Traders 8%
Commercial Combined 10%

Allianz 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).

Product Commission %
Travel 25%

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)

Product Commission € Commission %
PFP Professional Indemnity €19 20%
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)

Product Commission %
Motor Contingency 15%
Motor Contingency 15%
Multi Vehicle 5%
OGR Motor – Own Goods 5%
PCR RoI Broker Motor Product 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).

Product Commission %
Sports Policy Combined 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).

Product Commission %
CGL Cargo Liability 19%
Employers Liability 6%
LIA Combined Liability 10%
LIA Combined Liability – EL 6%
LIA Combined Liability – PL 10%
LIN Combined Liability NI – EL 6%
LIN Combined Liability NI – PL 10%
Products Liability 10%
Public Liability 10%
RPL Public Liability MML 5%
RPL Public Liability 10%
SPL Social Public Liability 15%
Sports Liability 12%
Transit Liability 18%

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).

Product Commission %
Accidental Damage 10%
Fire Only 15%
Fire Schedule 12%
Fire/Perils 15%
Glass 15%
HHR Combined House Insurance 20%
HPR Personal lines household 15%
HYR Holiday Home ROI 15%
Theft 15%

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).

Product Commission %
Agricultural Vehicle 0.5%
Apartment Block 17.5%
Aviation 10%
BMR Business – Commercial Motor 5%
Bond 7.5%
Bond 10%
Business Interuption 15%
CBR Combined Property 15%
CGD Cargo Goods 19%
CMP Computer 15%
CPR Commercial Construction 6%
Caravan 15%
Combined Traders 15%
Commercial Combined 15%
Commercial Vehicle 5%
Computer 15%
Contractors Works 15%
Credit and Guarantee 10%
ENG Engineering 15%
Engineering Business Interuption 15%
Engineering Insurance Inspection 15%
Fleet Insurance 5%
Goods in Transit 19%
HPY Hospitality 15%
HYT Hull Marine 18%
Hackney 10%
Hackney – Limousine 10%
Horses 15%
Hull Insurance 10%
Internal Risks 15%
Internal Risks 10%
Internal Risks 15%
LPR Landlord House Insurance 15%
Livestock 15%
Loss of Profits 12%
MFR Motor – Fleet 5%
MTR Motor – Road Risks 5%
Marine: Small Craft 15%
Money 15%
Motor Trader Combined 5% 10%
Motor Traders Combined BI 15%
Motor Traders Combined CMF 15%
Motor Traders Combined EL 15%
Motor Traders Combined GAP 15%
Motor Traders Combined PL 15%
Motor Traders Combined PRL 15%
OFM Office 15%
POP Property Owner 15%
PRP Combined Property 15%
Property Damage 10%
RCR Combined Risks – BI 15%
RCR Combined Risks – BU 15%
RCR Combined Risks – CL 15%
RCR Combined Risks – EL 15%
RCR Combined Risks – FG 15%
RCR Combined Risks – FR 15%
RCR Combined Risks – GAP 15%
RCR Combined Risks – GAR 15%
RCR Combined Risks – MML 15%
RCR Combined Risks – PA 15%
RCR Combined Risks – PL 15%
REN Engineering 15%
RPM Hospital Malpractice Insurance 10%
RTM Retail 15%
Religious Protection 10%
SBR – Social Mini-Bus ROI 5%
SCR Combined Risk 15%
SFR Motor – Small Fleet 5%
SHC Shop 15%
SME – Business Policy 15%
SMP – Property Owners 15%
STR – Motor – Special Types 15%
Shop 15%
Shopkeepers 15%
Special Types 5%
Taxi 10%
Trailer 25%

Amtrust Int. Underwriters 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)

Product Commission %
Professional Indemnity 25%

Angel Risk Management


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)

Product Commission %
Professional Indemnity 25%

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).

Product Commission %
Directors and Officers 25%

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)

Product Commission %
Professional Indemnity Insurance Dual 15%
Professional Indemnity Insurance Hiscox 10%
Professional Indemnity Insurance Irish Public Bodies Mutual 8%
Professional Indemnity Insurance Liberty 10%
Professional Indemnity Insurance XL Insurance 10%
Professional Indemnity Insurance XL Insurance 10%
Professional Indemnity Insurance Zurich 10%

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)

Product Commission %
Private Car (Personal Lines) Chubb 5%
Private Motor Insurance Chubb 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).

Product Commission %
Personal Accident & Illness AIG 10%
Personal Accident Insurance Chubb 20%

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).

Product Commission %
Aviation 10%
Marine 12.5%

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).

Product Commission %
Combined Liability 11%
Combined Liability Berkshire Hathaway 10%
Combined Liability Zurich 10%
Directors & Officers Liability – Golf Travelers Insurance 10%
Directors and Officers Liability Travelers Insurance 10%
Employers Liability Irish Public Bodies Mutual 8%
Excess Liability Liberty 10%
Professional Indemnity Insurance Chubb 10%
Property Owners Liability 15%
Public Liability Irish Public Bodies Mutual 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).

Product Commission %
Household 10%
Household Insurance Azur Underwriting 12%
Household Insurance Chubb 12%

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).

Product Commission %
Aon Toal Planthire Scheme – Commercial Package Travelers Insurance 5%
Combined Directors & Officers and Employment Practices Liability Travelers Insurance 12%
Combined Liability Allied World 10%
Combined Liability Aon UK 8%
Combined Liability RSA 15%
Combined Traders 8%
Commercial Combined 10%
Commercial Combined Package Axa 10%
Commercial Combined Package Barbican 10%
Commercial Combined Package Chubb 10%
Commercial Combined Package Ecclesiastical Insurance Office plc 12.5%
Commercial Combined Package Hiscox 10%
Commercial Combined Package Irish Public Bodies Mutual 7.5%
Commercial Combined Package Liberty 10%
Commercial Combined Package Travelers Insurance 8%
Commercial Combined Package XL Insurance 10%
Commercial Combined Package Zurich 13%
Commercial Package – NHI Liberty 10%
Commercial Package AIG 10%
Commercial Package Aon UK 15%
Commercial Package Chubb 10%
Commercial Package Zurich 4.5%
Commercial Property Policy Berkshire Hathaway 10%
Commercial Vehicle Liberty 5%
Commercial Vehicle Zurich
Computer All Risks RSA 7.5%
Computer All Risks Zurich 7.5%
Construction Liability Insurance Liberty 10%
Construction Liability Insurance XL Insurance 10%
Contractors All Risks Insurance (AW) Northern Marine 10%
Contractors All Risks Insurance Liberty 10%
Contractors All Risks Northern Marine 10%
Cyber Liability Insurance Hiscox 10%
Cyber with Beazley 20%
Directors & Officers Liability Chubb 25%
Directors & Officers Liability Hiscox
Directors & Officers Liability Liberty 10%
Directors and Officers Liability Liberty 10%
Engineering Aviva 7.5%
Engineering RSA 10%
Environmental Impairment Liability (EIL) AIG 7.5%
Event Insurance Hiscox 10%
Excess Liability 10%
Excess Liability Insurance Chubb 10%
Excess Public/Products Liability Allied World 12%
Fine Art Insurance Axa 5%
Fine Art Insurance Hiscox
Golf Buggy Insurance Travelers Insurance
Golfers Combined Package Travelers Insurance 10%
Group Travel AIG 13%
Household Insurance 12%
ICMA : Motor Fleet Insurance Zurich
ICMA : Private Motor Insurance Zurich
Machinery Movement RSA 10%
Marine Insurance (AW) Northern Marine 10%
Marine Insurance RSA 12.5%
Medical Malpractise Hiscox 10%
Motor Fleet Insurance Liberty 5%
Motor Fleet Insurance Travelers Insurance 5%
Motor Fleet Zurich
Motor Trade Road Risks Travelers Insurance 7%
Motor Trade Road Risks Zurich
Multi Risk 7.5%
One-Plan Package Chubb 10%
Personal Accident Insurance 10%
Private Car (Commercial) Zurich
Property Owners 15%
Property Owners Liability Liberty 12.5%
Property/Business Interruption Liberty 10%
Public/Products Liability The Underwriting Exchange 6.75%
Real Estate Property & Property Owners Liability Pkg 10%
Rugby Clubs : Commercial Combined Package Aviva 15%
Stud & Stable Insurance Package Aviva 8%
Tennis Commercial Combined Package Ecclesiastical Insurance Office plc 12.5%

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).

Product Commission %
Marine 15%
Marine: Small Craft 15%

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).

Product Commission %
Multi Risk 5%

Arachas


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)

Product Commission %
Professional Indemnity 12.5%

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).

Product Commission %
Construction Liability 10%
Liability – RSA, HDI, Allianz 15%

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).

Product Commission %
Cleaning Contractor 12%
Combined Traders 15%
Contractors All Risks 13%
House – Holiday Home – KHB, KHH OR HM 10%
House – Holiday Home HSH 15%
House – Holiday Home HSH 15%
House – Rental Let 15%
Liability HISCOX 13%
Oil Distributors 8%
Petrol Stations 7.5%
Property Owners 15%
Recruitment Consultants 12.5%
Schools 10%
Security Contractors 12.5%

Arachas Corporate Brokers


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).

Product Commission %
Travel 25%

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)

Product Commission %
Motor Damage 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).

Product Commission %
Trailer 25%

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).

Product Commission %
Public Liability 15%

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).

Product Commission %
Caravan 15%
Caravan 10%
Holiday Home 10%
Household 15%
Mobile Home 10%
Mobile Home 15%

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).

Product Commission %
Commercial Combined 15%
Multi Risk 5%

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).

Product Commission %
Travel 20%

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)

Product Commission %
Professional Indemnity 18%

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)

Product Commission %
Motor ARB Ideal 8%
Private Car 10%
Road risk 10%
vehicle 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).

Product Commission %
Personal Accident 20%

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).

Product Commission %
JRP MD/BI only policies 15%
JRP POL 15%

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).

Product Commission %
AIG apartment blocks 12.5%
Commercial Combined 15%
Commercial Vehicle 7.5%
Hackney 5%
Motor Trade 10%
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 MTIR 10%
Property Owners 10%
Shopkeepers 15%
Surestone MTIR policies 10%
Taxi 15%

Arthur J Gallagher(OAMPS)


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).

Product Commission %
Fleet Insurance 5%

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).

Product Commission %
Combined Liability 10%
Public Liability 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).

Product Commission %
Aviation 15%
Aviation 15%
Property Damage 12.5%

Assurant General Insurance 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).

Product Commission %
Payment Protection 20%

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)

Product Commission %
Private Car 7.5%

Aviva Insurance 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)

Product Commission %
Professional Indemnity 15%
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)

Product Commission %
Caravan 15%
Motor Contingency 15%
Motor Cycle 5%
Multi Vehicle 5%
Private Car 10%

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).

Product Commission %
Personal Accident 20%

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).

Product Commission %
Combined Liability 20%
Combined Liability 20%
Employers Liability 15%
Products Liability 15%
Public Liability 15%
Sports Liability 12%
Transit Liability 18%
Transit Liability 12%
Warehouse Liability 10%

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).

Product Commission %
Household Yes

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).

Product Commission € Commission %
Admin Bond 20%
Agricultural Vehicle 5%
All Risks €20 10%
All Risks 15%
Bakery Motor Scheme 5%
Bond 10%
Claims Management 10%
Commercial Combined 15%
Commercial Vehicle 10%
Computer 15%
Contractors Works 15%
ENG INS – JC 15%
ENG INS – JF 15%
ENG INS – JM 15%
ENG INS – JP 15%
Engineering Business Interuption 15%
Engineering Insurance Inspection 15%
Farmers Combined 15%
Fidelity Guarantee 15%
Fire Schedule 12%
Fire/Perils 15%
Fleet Insurance 5%
Glass 15%
Goods in Transit 18%
Horses 15%
I.D.A. Motor Scheme 5%
Internal Risks 10%
Livestock 15%
Loss of Licence 10%
Loss of Profits 12%
MARINE 15%
Marine 18%
Marine: Small Craft 15%
Milk Agents Motor 5%
Money 15%
Motor Traders 5%
Multi Risk 5%
Office Combined 15%
PACKAGES – AO 16%
PACKAGES – AS 16%
PACKAGES – US 15%
Property Damage 10%
Property Owners 10%
R.I.A.I. Motor Scheme 5%
R.I.A.I. Motor Scheme 5%
Self Build 15%
Shop 15%
Shopkeepers 15%
Special Types 5%
Surgery Insurance 15%
Theft 15%
Traders Combined 15%

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.

Product Initial % Recurring Commission % Clawback Period (Months)
Term Protection 150% 22% 24

Single Premium PRSA

Product Initial % Recurring %
Single Premium PRSA 4% 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.

Product Initial % Recurring Commission % Clawback Period (Months)
Specified 150% 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.

Product Initial % Recurring Commission % Clawback Period (Months)
Savings 15% 1% 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.

Product Initial % Recurring Commission % Clawback Period (Months)
Regular Premium PRSA 22.5% 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.

Product Initial % Recurring Commission %
PRB 5.25% 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.

Product Initial % Recurring Commission % Clawback Period (Months)
Mortgage Protection 150% 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.

Product Initial % Recurring Commission % Clawback Period (Months)
Income Protection 200% 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.

Product Initial % Recurring Commission %
Investments 5.25% 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.

Product Initial % Recurring Commission % Clawback Period (Months)
Regular Premium pension 20% 1% 48
Single premium pension 5.25% 1%

Approved Retirement Fund (ARF) & Approved Minimum Retirement Fund (AMRF)

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.

 

Product Initial % Recurring Commission %
ARF 5.25% 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).

Product Commission %
Travel 25%

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)

Product Commission %
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)

Product Commission %
Car 10%
Caravan 15%
Morris Minor 5%
Motor 5%
Motor Contingency 15%
Multi Vehicle 5%
Private Car 8%
Van 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).

Product Commission %
Computer 15%
Contractors Works 15%
Engineering Business Interuption 15%
Engineering Insurance Inspection 15%
Fire Schedule 12%
Goods in Transit 18%
Horses 15%
Livestock 15%
Loss of Profits 12%
Money 15%
Professional Photographer 20%
Special Types 5%
Taxi 15%
Theft 15%
Trailer 25%

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).

Product Commission %
Employers Liability 6%
Liability 15%
Liability 15%
Products Liability 10%
Public Liability 10%
Sports Liability 12%
Transit Liability 12%

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).

Product Commission %
Holiday Home 20%
House 20%
Household 25%
Household 20%

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).

Product Commission %
Apartment Block Insurance 10%
Commercial Combined 20%
Commercial Vehicle 5%
Commercial Vehicle 8%
Farm 17.5%
Fire/Perils 12%
Fleet Insurance 10%
Glass 15%
Guest House 10%
Hackney 5%
Hackney 15%
I.D.A. Motor Scheme 8%
Motor Traders 5%
Multi Risk 5%
Office Combined 15%
Property Damage 10%
Property Owners 10%
R.I.A.I. Motor Scheme 8%
Shop/Office/Surgery 20%
Shopkeepers 15%
Shopkeepers 20%
Tractor/Agri 5%
Tradesmen and Professionals 15%

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.

Product Initial %
Investments 2.5%

Approved Retirement Fund (ARF) & Approved Minimum Retirement Fund (AMRF)

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.

 

Product Initial € Recurring Commission %
ARF No 0.75%

Benchmark 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)

Product Commission %
Professional Indemnity 20%

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).

Product Commission %
Holiday Home 15%
Household 15%
Household 15%

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)

Product Commission %
Health Insurance 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).

Product Commission %
Commercial Combined 20%
Office/Shop 15%
Property Owners 20%
Traders Combined 15%

BlackBee


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.

Product Initial % Recurring Commission %
Investments 3% 0.5%

Blue Insurances 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).

Product Commission %
Travel 15%
Travel – Unions 10%
Travel – White Label 20%
Travel – Wholesale 30%

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)

Product Commission %
Car Hire Excess 20%
Motor Breakdown 20%

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).

Product Commission %
Gadget 15%
Pet Insurance 15%
Wedding Insurance 20%

Bank of Ireland


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.

Product Commission % Clawback Period (Months)
Mortgage – Switcher 1% 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.

Product Commission % Clawback Period (Months)
Mortgage – Second/subsequent Buyer 1% 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.

Product Commission % Clawback Period (Months)
Mortgage – First-Time Buyer 1% 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.

Product Commission % Clawback Period (Months)
Mortgage – Equity Release 1% 36

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).

Product Commission %
Personal Accident 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).

Product Commission %
Expenses 15%

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).

Product Commission %
Business Protect (Retail, Office, Hospitality & Manufacturing) 15%
Business protect 15%
Eventinsure 10%
Eventinsure Product 10%
Legal Expenses 10%

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).

Product Commission %
Travel Insurance 15%

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)

Product Commission %
Professional Indemnity 10%

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)

Product Commission %
Motor Excess Insurance 15%

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).

Product Commission %
Combined Liability 15%
Combined Tradesmen Liability 10%
Cyber Liability 10%
Liability 15%
Public Liability 15%

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).

Product Commission %
Hearing Aid Insurance 15%
Unoccupied Properties 15%

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).

Product Commission %
Apartment Block 10%
BSS Holiday Home Scheme 10%
BSS Landlord Rental Scheme 10%
Commercial Combined Risks 10%
Contractors All Risk Scheme 10%
Contractors Liability 15%
Directors & Officers 10%
Directors & Officers Insurance 10%
Event Insurance 10%
Leisure Risks 10%
Liability 10%
Office Combined 10%
Organisers Liability 15%
Property 10%
Property Owners Risks 10%
Specialist Risk Business 15%
Tradesmen Insurance 15%
Unoccupied Risks 10%

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.

Product Commission % Clawback Period (Months)
Mortgage – Switcher 1% 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.

Product Commission % Clawback Period (Months)
Mortgage – Second/subsequent Buyer 1% 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.

Product Commission %
Mortgage – First-Time Buyer 1%

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.

Product Commission % Clawback Period (Months)
Mortgage – Equity Release 1% 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.

Product Initial %
Investments 3%

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)

Product Commission %
Professional Indemnity 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).

Product Commission %
Liability 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).

Product Commission %
Directors & Officers Insurance 10%
Event Insurance 10%
Leisure Risks 10%
Property 10%

Patrona t/a Bump Insurance


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)

Product Commission %
Private Car 6%

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).

Product Commission %
Travel 25%

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).

Product Commission %
Personal Accident 25%

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).

Product Commission %
Trailer 25%

Cantor Fitzgerald Ireland Ltd


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.

Product Initial %
Investments 3%

Capital Cover Group 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).

Product Commission %
COMMERCIAL COMBINED 12%

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)

Product Commission %
PI – Profesional Indemnity 17.5%

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).

Product Commission %
All Other Lines 20%
Marine K&R 35%
Terrorism 25%

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).

Product Commission %
Travel 25%

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)

Product Commission %
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)

Product Commission %
Motor Contingency 15%
Private Car 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).

Product Commission %
PERSONAL ACCIDENT 20%
Personal Accident 30%

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).

Product Commission %
Computer 15%
Contractors Works 15%
Directors and Officers 20%
Fire Schedule 12%
Goods in Transit 18%
Horses 15%
Livestock 15%
Loss of Profits 12%
Money 15%
Theft 15%
Trailer 25%

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).

Product Commission %
Employers Liability 6%
Excess Liability 15%
Excess Liability 15%
Products Liability 10%
Public Liability 10%
Sports Liability 12%
Transit Liability 12%

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).

Product Commission %
Commercial Combined 15%
Fire/Perils 12%
Glass 15%
Multi Risk 5%
Property Damage 10%
Shop 15%
Shopkeepers 15%

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).

Product Commission %
PA/Travel Policy 20%

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)

Product Commission %
Professional Indemnity Policy 20%

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)

Product Commission %
Motor Damage 15%

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).

Product Commission %
Contract Works Policy 15%
D & O Policy 20%
Directors and Officers 15%
Marine Policy 25%

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).

Product Commission %
Employers Liability 10%
Employment Practice Liability 20%
Excess PL Policy 15%
PL Policy 10%
Pension Trustee Liab Policy 25%

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).

Product Commission %
Household 23%
Prop Owners Policy 15%

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).

Product Commission %
Commercial Combined 15%
Commercial Package Policy 15%
Multi Risk 5%

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).

Product Commission %
Combined Liability 10%
Employers Liability 7.5%
Public Liability 12.5%

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).

Product Commission %
All types 10%
Property Damage 12.5%

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).

Product Commission %
Credit Insurance 10%

Conexim


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.

Product
Investments

Corporate Underwriting 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).

Product Commission %
Goods in Transit 19%
Marine Cargo 20%
Trailers 15%

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).

Product Commission %
Carriers Liability 19%

Cover Centre Insurance 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).

Product Commission %
HORSE INSURANCE 6.5%

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).

Product Commission %
Apartment Landlord 15%
Apartment Owner Occupied 15%
HOUSEHOLD 15%
Homeshield Rental 15%
Kidd Endeavour 15%
Kidd High Net Worth 15%
Kidd Holiday Home 10%
Kidd Homeworker 15%
Kidd Mobile Home Fixed Site 10%
Kidd Non-standard Construction 10%
Kidd Touring Caravan 10%
Kidd Unoccupied 10%
Kiddsure Select 15%

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).

Product Commission %
Light Commercial Vehicle 10%

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).

Product Commission %
Household 23%

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).

Product Commission € Commission %
Commercial Legal Expenses €24.59 25%
EL Policy 6%

Davy Select


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.

Product Initial % Recurring Commission %
PRSA 0.5% 0.5%

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.

Product Initial % Recurring Commission %
PRB 0.5% 0.5%

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.

Product Initial % Recurring Commission %
Investment 0.5% 0.5%

Approved Retirement Fund (ARF) & Approved Minimum Retirement Fund (AMRF)

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.

 

Product Initial % Recurring Commission %
ARF 0.5% 0.5%

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).

Product Commission %
Professional Indemnity 10%

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).

Product Commission %
Amethyst 10%
Dolmen SI (Sums Insured) Home 15%
Dolmen SI (Sums Insured) Residential 15%
Flex 10%
Holiday Home 15%
Household 15%
Premier 10%
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).

Product Commission %
Contractors All Risks 12.5%
Directors & Officers 20%
Event Insurance 10%
Homeworks 12.5%
Land Liability 15%
Property Owners 15%
Property Works 12.5%

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)

Product Commission %
Private Car 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).

Product Commission %
Combined Liability 20%

EBS


Deposits

Product
Deposits

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).

Product Commission %
Travel 25%

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)

Product Commission %
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)

Product Commission %
Caravan 15%
Motor Contingency 15%
Private Car 5%

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).

Product Commission %
Additional Expenses 5%
Agricultural Vehicle 15%
Computer 15%
Contractors Works 15%
Fire Schedule 12%
Goods in Transit 18%
Horses 15%
Livestock 15%
Loss of Profits 12%
Money 15%
Theft 15%
Trailer 25%

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).

Product Commission %
Employers Liability 6%
Products Liability 10%
Sports Liability 12%
Transit Liability 12%

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).

Product Commission %
Household 15%

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).

Product Commission %
Apartment Block Insurance 10%
Charity, Faith and Community Insurance (CHA) 15%
Commercial Combined 15%
Commercial Combined (ICS) 15%
Commercial Package (IIP) 15%
Education (ISS) 15%
Engineering, Cyber (CEN) 15%
Fire/Perils 12%
Fire/Perils 15%
Glass 15%
Heritage (IHG) 15%
Legal Expenses 15%
Multi Risk 5%
Office Combined 15%
Property Damage 10%
Property Owners 15%
Property Owners (IPO) 15%
Shop 15%
Shopkeepers 15%

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)

Product Commission %
Motor Contingency 5%
Multi Vehicle 5%
Private Mtr 5%

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).

Product Commission %
Computer 15%
Computer 20%
Engineering Insurance Inspection 15%
Goods in Transit 15%
Marine 15%
Marine 15%

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).

Product Commission %
Combined Liability 9%
Employers Liab Only 6%
Employers Liability 6%
Employers and Public Liability 10%
Public Liab & Employers Liab 10%
Public Liab Only 10%
Public Liability 10%

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).

Product Commission %
Holiday Home 15%
Home 15%
Household 20%
Property 20%
Property 20%

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).

Product Commission %
All Others Guesthouse Fire /Theft Accidental Damage 15%
Comm Combined 20%
Comm Mtr 5%
Commercial Combined 20%
Commercial Combined 15%
Commercial Combined 20%
Commercial Motor 5%
Farmers Combined 15%
Farming and Growing Trees 20%
Fire/Perils 15%
Fleet Insurance 5%
Fleet Mtr & Motor Traders Road Risk 10%
Guest House – Fire/ Theft/ Accidental Damage 15%
Motor Fleet/Motor Trade/ Road risk 10%
Multi Risk 5%
Other Motor (Tractor) 5%
Other Motor (Tractor) 5%
Property Owners 20%
Shopkeepers 15%

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)

Product Commission %
Motor GI Business 7.5%
Private Car 7.5%

Friends First


Single Premium PRSA

Product Initial % Recurring %
Single Premium PRSA 7.5% 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.

Product Initial % Recurring Commission % Clawback Period (Months)
Savings 10% 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.

Product Initial % Recurring Commission % Clawback Period (Months)
Regular Premium PRSA 17.5% 0.25% 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.

Product Initial % Recurring Commission %
Investments 5% 0.75%

Approved Retirement Fund (ARF) & Approved Minimum Retirement Fund (AMRF)

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.

 

Product Initial % Recurring Commission %
ARF 5% 0.75%

Frost 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).

Product Commission %
Self Build Policy 15%

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.

Product Initial % Recurring Commission %
Investments 2.5% 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.

Product Commission % Clawback Period (Months)
Mortgage – Switcher 1% 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.

Product Commission % Clawback Period (Months)
Mortgage – Second/subsequent Buyer 1% 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.

Product Commission % Clawback Period (Months)
Mortgage – First-Time Buyer 1% 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.

Product Commission % Clawback Period (Months)
Mortgage – Equity Release 1% 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).

Product Commission %
Household 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).

Product Commission %
All policy types 10%

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)

Product Commission %
Professional Indemnity 20%

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).

Product Commission %
All Other Lines 20%
Directors and Officers 20%
Event Insurance 17.5%

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).

Product Commission %
Combined Liability 9%

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).

Product Commission %
Household 20%

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).

Product Commission %
All Commercial Policies 20%
Commercial Combined 20%
Commercial Combined 20%
Office Combined 20%

HSB


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).

Product Commission %
ALPI (IRELAND) LIMITED 15%

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).

Product Commission %
COLIN O’DONOGHUE T/A CD MOTORS 15%
Engineering 10%
Engineering Inspection 10%

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.

Product Commission % Clawback Period (Months)
Mortgage – Switcher 1% 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.

Product Commission % Clawback Period (Months)
Mortgage – Second/subsequent Buyer 1% 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.

Product Commission % Clawback Period (Months)
Mortgage – First-Time Buyer 1% 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.

Product Commission % Clawback Period (Months)
Mortgage – Equity Release 1% 36

Investec


Deposits

Product
Deposits

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.

Product Initial % Recurring Commission % Clawback Period (Months)
Whole of Life 100% 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.

Product Initial % Recurring Commission % Clawback Period (Months)
Term Protection 100% 28% 60

Single Premium PRSA

Product Initial % Recurring %
Single PRemium PRSA 5% 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.

Product Initial % Recurring Commission % Clawback Period (Months)
Specified 100% 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.

Product Initial % Recurring Commission % Renewal Clawback Period (Months)
Savings 5.5% 0.5% 5.5% 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.

Product Initial % Recurring Commission % Renewal Clawback Period (Months)
Regular Premium PRSA 17.5% 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.

Product Initial % Recurring Commission %
PRB 5% 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.

Product Initial % Recurring Commission % Clawback Period (Months)
Mortgage Protection 100% 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.

Product Initial % Recurring Commission % Clawback Period (Months)
Income Protection 120% 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.

Product Initial % Recurring Commission %
Investments 5% 0.5%

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.

Product Initial % Recurring Commission % Renewal Clawback Period (Months)
Regular Premium pension 17.5% 0.5% 5% 48
Single premium pension 5% 0.75%

Approved Retirement Fund (ARF) & Approved Minimum Retirement Fund (AMRF)

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.

 

Product Initial % Recurring Commission %
ARF 5% 0.75%

iSure Underwriting Ireland


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).

Product Commission %
All risks over 5k
Commercial Combined 16%
Property Owners 19%
Shops 15%
Tradesman 15%
Unoccupied Property Owners 15%

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.

Product Initial %
PRSA 2%

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.

Product Initial %
PRB 2%

Approved Retirement Fund (ARF) & Approved Minimum Retirement Fund (AMRF)

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.

 

Product Initial %
ARF 2%

Marsh Ireland Brokers Limited, trading as JLT 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).

Product Commission %
Marine 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).

Product Commission %
Public Liability Only 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).

Product Commission %
All Others Guesthouse Fire /Theft Accidental Damage 10%
Charities 10%
Commercial 10%
Electrical Contractors 10%
Sports 10%

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.

Product Commission % Clawback Period (Months)
Mortgage – Switcher 1% 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.

Product Commission % Clawback Period (Months)
Mortgage – Second/subsequent Buyer 1% 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.

Product Commission % Clawback Period (Months)
Mortgage – First-Time Buyer 1% 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.

Product Commission % Clawback Period (Months)
Mortgage – Equity Release 1% 36

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).

Product Commission %
Travel 15%

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)

Product Commission %
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)

Product Commission %
Motor Policies 15%
Private Car 7.5%
Private Motor Choice 5%
Private Motor Unique 5%

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).

Product Commission %
Taxi 7.5%

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).

Product Commission %
Combined Liability 15%

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).

Product Commission %
Home – Choice 15%
Home – Rental 15%
Home – Unique 15%
Household Policies 15%

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).

Product Commission %
Commercial Combined 15%
Commercial Vehicle 7.5%
Hackney 7.5%
Motor Policies 15%
Motor Trade Policies 10%
Property Owners 15%

Liberty Seguros


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)

Product Commission %
Private Car 11%
Private Car 11%

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).

Product Commission %
Nursing Home Combined 17.5%
Taxi 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).

Product Commission %
Household 21%

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).

Product Commission %
Commercial Combined 15%
Commercial Vehicle 11%
Fleet Insurance 8%
Hackney 5%

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).

Product Commission %
Travel 25%

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)

Product Commission %
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)

Product Commission %
Motor Contingency 15%
Multi Vehicle 5%
Private Car 5%

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).

Product Commission %
Agricultural Vehicle 5%
Contractors Works 15%
Engineering Business Interuption 15%
Engineering Insurance Inspection 15%
Fire Schedule 12%
Goods in Transit 18%
Horses 15%
Livestock 15%
Loss of Profits 12%
Money 15%
Theft 15%
Trailer 25%

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).

Product Commission %
Products Liability 10%
Public Liability 10%
Sports Liability 12%
Transit Liability 12%

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).

Product Commission %
Commercial Vehicle 5%
Fire/Perils 12%
Fleet Insurance 5%
Glass 15%
Motor Traders 5%
Property Damage 10%
Shopkeepers 15%

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).

Product
All types

Mapfre


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).

Product Commission %
Single and Annual Multi trip policies 20%

Midas Underwriting


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).

Product Commission %
SureStone ROI Standard Home 17.5%

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).

Product Commission %
Travel 25%

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)

Product Commission € 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).

Product Commission € 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).

Product Commission %
ROI Owner Occupied 20%
ROI Residential Let 25%

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).

Product Commission %
Commercial Combined 23%

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.

Product Recurring Commission %
PRSA 0.25%

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.

Product Recurring Commission %
PRB 0.25%
PRB 0.25%

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.

Product Initial % Recurring Commission %
Investments 0.25% 0.25%

Approved Retirement Fund (ARF) & Approved Minimum Retirement Fund (AMRF)

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.

 

Product Recurring Commission %
ARF 0.25%
ARF 0.25%

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.

Product Initial % Recurring Commission % Clawback Period (Months)
Term Protection 225% 50% 60

Single Premium PRSA

Product Initial % Recurring % Clawback Period
Single Premium PRSA 7% 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.

Product Initial % Recurring Commission % Clawback Period (Months)
Specified 225% 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.

Product Initial % Recurring Commission % Renewal Clawback Period (Months)
Savings 10% 0.5% 2.5% 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.

Product Initial % Recurring Commission % Renewal Clawback Period (Months)
Regular Premium PRSA 25% 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.

Product Initial % Recurring Commission % Clawback Period (Months)
PRB 5% 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.

Product Initial % Recurring Commission % Clawback Period (Months)
Mortgage Protection 225% 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.

Product Initial % Recurring Commission % Clawback Period (Months)
Income Protection 225% 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.

Product Initial % Recurring Commission % Clawback Period (Months)
Investments 4% 1% 36

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.

Product Initial % Recurring Commission % Renewal Clawback Period (Months)
Regular Premium pension 25% 1% 8% 60
Single premium pension 5% 1% 60

Approved Retirement Fund (ARF) & Approved Minimum Retirement Fund (AMRF)

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.

 

Product Initial % Recurring Commission %
ARF 5% 1%

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).

Product Commission %
Goods in Transit 20%
Marine 20%

OBF Insurance Group 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).

Product Commission %
Holiday Home 12%
Household 12%
Mobile Home 12%

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)

Product Commission %
P.I 20%

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).

Product Commission %
Personal Accident 15%

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).

Product Commission %
B & B 15%
Couriers 12.5%
Goods in Transit 20%

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).

Product Commission %
Combined Liability 15%
ELPL 15%

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).

Product Commission %
Commercial Combined 15%
Contractors All Risks 15%
Office 15%
Property Owner 17.5%
Pub/Restaurant 15%
Real Estate 17.5%
Self Build 15%
Shop 15%
Shopkeepers 15%

Patrona 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)

Product Commission %
MOTOR CYCLE 5%
Non-standard Car 5%
Non-standard Van 5%
Private Car 5%

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).

Product Commission %
Construction HGV Gefion 7.5%
Contractors All Risks 15%
Contractors Plant All Risks 15%
Courier 7.5%
Courier – AXA 5%
Engineering & Inspection 15%
Equestrian Property 7.5%
Horse Lorry Axa 5%
Horsebox – AXA 5%
Horsebox Lorry Gefion 7.5%
Horses
Special Types 5%
Special Types Axa 5%
Special Types Gefion 7.5%
Taxi 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).

Product Commission %
Carriers Liability 10%
Combined Liability 10%
Contractors Liability 15%
Equestrian Liability 5%
Public Liability 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).

Product Commission %
Holiday Home 15%
Household 15%

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).

Product Commission %
ADF&T 10%
AXA Haulage 5%
All Risks 15%
Commercial Combined MGAM 15%
Commercial Combined- Gefion 15%
Commercial Vehicle 5%
Courier – Axa 5%
Engineering 15%
Fleet 7.5%
Fleet Risk Fix 5%
Flexi Fleet 7.5%
Horse Box – Axa 5%
Logistics Combined 15%
Logistics Combined – Gefion 15%
Logistics Combined MGAM 15%
Logistics HGV – Gefion 7.5%
Logistics HGV AXA 5%
Logistics Vehicle 7.5%
Own Goods Vehicle 7.5%
Rental Fleet 7.5%
Single Vehicle Courier Axa 7.5%
Single Vehicle Courier Gefion 7.5%
Special Types 5%
Special Types – Axa 5%
Standard Haulage 5%
Transport Fleet 5%
Unmanned Aircraft 7.5%

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)

Product Commission %
Professional Indemnity 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)

Product Commission %
Octane Ireland Motor 9%
Octane Ireland Motor EDI 9%
Prestige Ireland Private Motor 10%
Prestige Personal Portfolio (Home, Motor & New NI Motor)
Private 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).

Product Commission %
Contractors Works 15%
Directors and Officers 15%

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).

Product Commission %
Combined Liability 10%
Combined Liability 15%
Public Liability 10%

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).

Product Commission %
Holiday Home 25%
Household 25%
Prestige Homesafe 15%

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).

Product Commission %
Amtrust Property ROI 14%
Commercial Combined 15%
Commercial Vehicle 8%
Prestige Ireland Motor Trade 10%
Prestige Ireland Non Standard CV 8%
Prestige Manual Product
Shopkeepers 15%

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.

Product Commission % Clawback Period (Months)
Mortgage – Switcher 1% 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.

Product Commission % Clawback Period (Months)
Mortgage – Second/subsequent Buyer 1% 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.

Product Commission % Clawback Period (Months)
Mortgage – First-Time Buyer 1% 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.

Product Commission % Clawback Period (Months)
Mortgage – Equity Release 1% 36

Deposits

Product Commission %
Deposits 0.2%

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.

Product Initial % Recurring Commission % Clawback Period (Months)
Whole of Life 200% 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.

Product Initial % Recurring Commission % Clawback Period (Months)
Term Protection 200% 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.

Product Initial % Recurring Commission % Clawback Period (Months)
Specified 225% 36% 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.

Product Initial % Recurring Commission % Clawback Period (Months)
Mortgage Protection 200% 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.

Product Initial % Recurring Commission % Clawback Period (Months)
Income Protection 225% 60% 60

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).

Product Commission %
Personal Accident/Travel 20%
Travel 30%

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)

Product Commission %
Professinal Indemnity 22.5%
Professional Indemnity 10%
Professional Indemnity 17.5%
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)

Product Commission %
Caravan 15%
Classic Car Scheme 5%
Limited Mileage 5%
MG Owners Scheme 5%
Morris Minor 5%
Motor
Motor Damage 10%
Multi Vehicle 5%
RSA Broker Motor Insurance Private Car 11%

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).

Product Commission %
Personal Accident 15%
Personal Accident 20%
Sports Person Accident 25%

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).

Product Commission %
Agricultural Vehicle 5%
Computer 15%
Contractors Works 20%
Crime 20%
Directors and Officers 15%
Engineering Business Interuption 15%
Engineering Insurance Inspection 15%
Fidelity Guarantee 20%
Financial Risks 15%
Fire Schedule 15%
Goods in Transit 18.8%
Goods in Transit 20%
Marine 18.8%
Marine 18%
Marine 20%
Marine: Small Craft 15%
Money 15%
Special Types 5%
Sports Property Damage 15%
Taxi 10%
Theft 20%
Theft by Employees 20%
Trailer 25%

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).

Product Commission %
Carriers Liability 20%
Combined Liability 10%
Combined Liability 9%
Employers Liability 6%
Employers Liability 6%
Office Liability 10%
Public Liability 10%
Public Liability 10%
Sports Liability 17.5%
Transit Liability 18%
Transit Liability 20%

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).

Product Commission %
Holiday Home 25%
Household 25%
R.I.A.I. Home Secure 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).

Product Commission %
All Risks 15%
Apartments/Block of Flats 15%
Barristers Office 22.5%
Cargo 20%
Combined 15%
Commercial Combined 15%
Commercial Vehicle 5%
Commercial Vehicle Fleet 5%
Contractors All Risks 15%
Engineering 15%
Engineering 15%
Farmers Combined 15%
Fire/Perils 15%
Fire/Perils 12.5%
Fleet Insurance 10%
Glass 20%
I.D.A. Motor Scheme 5%
I.H.C.A. Motor Scheme 5%
Motor Traders 5%
Multi Risk 5%
Office 17.5%
Office Combined 15%
Office Combined 17.5%
Property 12.5%
Property 12.5%
Property Damage 15%
Property Owners 15%
R.I.A.I. Motor Scheme 5%
Shop 15%
Shopkeepers 15%
Traders 20%
Traders 20%

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).

Product Commission %
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)

Product Commission %
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)

Product Commission %
Chubb Masterpiece Motor 5%
HNW Motor – Dual 5%
Private Motor 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).

Product Commission %
Combined Liability 10%
Cyber Liability (Various) 10%
Excess Liability 10%
Excess Liability 10%
Excess Liability (CNA Hardy) 10%
Excess Liability (Chubb) 10%
PROPERTY OWNERS 15%
PUBLIC LIABILITY
Premises Liability 15%

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).

Product Commission %
HOUSEHOLD 15%
OL PROPERTY OWNER 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).

Product Commission %
APARTMENT BLOCK 15%
COMMERCIAL COMBINED 16%
Chubb Masterpiece Household 12.5%
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 – Dual 12.5%
Kidnap & Ransom (Chubb) 10%
MOTOR FLEET 15%
Marine Cargo (CNA) 10%
Miscellaneous 15%
Office 15%
POL – Securus – offline 10%
POL – Securus – online 15%
Property Owners (Citynet) 10%
Terrorism Cover (Citynet)
UNOCCUPIED PROPERTY OWNERS INSURANCE QBE 10%
Vacant Property (Securus – offline) 10%
Vacant Property (Securus – online) 15%

Standard Life International dac


Single Premium PRSA

Product Initial % Recurring %
Single Premium PRSA 5% 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.

Product Initial % Recurring Commission % Clawback Period (Months)
Savings 15% 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.

Product Initial % Recurring Commission % Renewal
Regular Premium PRSA 5% 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.

Product Initial % Recurring Commission %
PRB 5% 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.

Product Initial % Recurring Commission %
Investment 4% 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.

Product Initial % Recurring Commission % Renewal Clawback Period (Months)
Regular Premium pension 25% 1% 8% 60
Single premium pension 5% 1% 48

Approved Retirement Fund (ARF) & Approved Minimum Retirement Fund (AMRF)

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.

 

Product Initial % Recurring Commission %
ARF 4% 1%

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).

Product Commission %
Travel – Business 10%
Travel – Individual 10%

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).

Product Commission %
Personal Accident 10%
Personal Accident / Illness 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).

Product Commission %
All Others
Miscellaneous Safe 15%

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).

Product Commission %
Combined Liability 12.5%

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).

Product Commission %
Chip Safe 15%
Gourmet Safe 15%
Property Owners 15%
Shop Safe 15%

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).

Product Commission %
COMBINED LIABILITY 10%
Public Liability 18%

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).

Product Commission %
COMBINED ALL RISKS 10%
Commercial Combined 18%
Property Damage 21%
Property Owners 21%
Traders Combined 10%

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)

Product Commission %
Professional Indemnity (AmTrust) 12.5%
Professional indemnity – AmTrust Europe Ltd through Collegiate Underwriting 12.5%

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).

Product Commission %
Personal Accident & Illness with Lloyds Insurance Co SA 10%
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).

Product Commission %
Combined Liability 15%
Liability (Calpe) 15%
Liability with Calpe Insurance Company Limited via Corin Underwriting Ltd 15%

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).

Product Commission %
Bonds case by case depending on Surety
Commercial Combined 15%
Contractors All Risk with Great American International Insurance (EU) DAC via Corin Underwriting Ltd 15%
Contractors All Risks with Certain Underwriters at Lloyd’s via The Fiducia MGA Co Ltd 15%
Contractors all risks (Great America) 15%
Contractors all risks(Fiducia) 15%
Cyber (Safe Online) 12%
Cyber with Lloyd’s Insurance Co SA 12%
Cyber, Lloyd’s Insurnace Co SA 10%
Material Damage & BI 15%
Material Damage & BI with Lloyd’s Insurance Co SA 15%
Property Owners 15%
Property Owners with LLoyds Insurance Co SA 15%

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)

Product Commission %
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)

Product Commission %
Classic Car Scheme 5%
Multi Vehicle 5%
Private Car 10%
Private Motor Vehicle – NB and Rnl 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).

Product Commission %
Miscellaneous 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).

Product Commission %
Combined Liability 9%
Employers Liability 6%
Employers Liability (Package) 15%
Employers Liability (Stand Alone) 6%
Management Liability Package 17.5%
Management Liability Package – NB 25%
Motor Trade (Property & Liability covers) 15%
Public Liability 10%
Public Liability (Package) 15%
Public Liability (Stand Alone) 10%
Technology E&O and Cyber Liabilities 20%

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).

Product Commission %
APARTMENT BLOCK 15%
Commercial Combined 15%
Commercial Vehicle 5%
Fleet Insurance 5%
Golf Select 20%
I.H.C.A. Motor Scheme 5%
Motor Fleet 5%
Motor Trade Road Risks 5%
Motor Trade Road Risks – NB 10%
Motor Traders 5%
Motortrade 10%
Multi Risk 5%
Property Covers (Package or Stand Alone but excluding Motor Trade) 15%
Property Owners 15%
R.I.A.I. Motor Scheme 5%

Ulster bank


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.

Product Commission % Clawback Period (Months)
Mortgage – Switcher 1% 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.

Product Commission % Clawback Period (Months)
Mortgage – Second/subsequent Buyer 1% 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.

Product Commission % Clawback Period (Months)
Mortgage – First-Time Buyer 1% 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.

Product Commission % Clawback Period (Months)
Mortgage – Equity Release 1% 36

The Underwriting Exchange 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).

Product Commission %
CONSEQUENTIAL LOSS 12.5%

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).

Product Commission %
Liability 12.5%

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).

Product Commission %
Combined 17.5%
Motor Fleet 7.5%
Property 15%

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)

Product Commission %
Professional Indemnity 10%

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)

Product Commission € Commission %
Asgard Private Car €5 5%
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).

Product Commission %
Contractors Works 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).

Product Commission € Commission %
Combined Liability 9%
Combined Liability 9%
Employers Liability 6%
Public Liability 10%
SIM Liability €7 7%
SIMI MOTOR TRADE – LIABILITY 7%
Tradesure Liability €15 15%

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).

Product Commission € Commission %
Asgard Bus & Coach 1-4 €5 5%
Asgard Bus & Coach Fleet €5 5%
Asgard Commercial Fleet €5 5%
Commercial Combined 13%
Commercial Combined 10%
Commercial Vehicle 8%
Commercial Vehicle 10%
Golfsure Combined €15 15%
Golfsure Motor €5 5%
Golfsure Personal €5 5%
Guest House 10%
I.D.A. Motor Scheme 5%
Internal Risks 10%
Motor Traders 5%
Multi Risk 5%
Office Combined €15 15%
Propsure €17.5 17.5%
SIMI MOTOR TRADE – MOTOR 5%
SIMI MOTOR TRADE – PROPERTY, BI, MONEY 15%
SIMI Motor €5 5%
SIMI Motor Trade | Property, BI & Money €15 15%
Traders Combined 10%
Tradesure Commercial Motor €10 10%

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).

Product Commission %
Employers Liability 20%
Public Liability 20%

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).

Product Commission %
Commercial Combined 20%

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)

Product Commission %
Motor Damage 5%
Private Car 10%
Private Car / Light Commercial Vehicle 5%
Van Plan 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).

Product Commission %
Carriers Liability 10%
Carriers Liability 10%
Haulage Liability 10%
Liability Scheme 12%
PUBLIC LIABILITY 12%
Trades Liability 12%

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).

Product Commission %
HOUSEHOLD 17.5%
Holiday Home 17.5%
House 17.5%

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).

Product Commission %
ADF&T 10%
ADF&T 10%
Commercial Vehicle 5%
Haulage Fleet 5%
Haulage Property 10%
Haulage Single Vehicle 5%
Haulage Single Vehicle 10%
Inspection 15%
MARINE INSURANCE 5%
MOTOR FLEET 5%
Mini Fleet 10%
Multi Risk 5%
Multi Vehicle 10%
Own Goods 10%
Rigid Vehicle 10%
Special Types 5%
Special Types 5%
Survey Fee
TRANSIT INSURANCE 5%
Traders Transit 5%
Traders Transit 5%
Trailer ADF&T 10%
Truck Plan 10%
Watford Fleet 5%
Watford MultiPlan 5%
Watford TruckPlan 5%

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).

Product Commission %
Nursing Homes 25%

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)

Product Commission %
Private Car 10%

Zurich Insurance 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).

Product Commission %
Annual Travel Policy 15%
Group Personal Accident Travel 15%
Personal Accident Travel Pol. 15%
Travel 25%

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)

Product Commission %
Professional Indemnity 15%
Professional Indemnity 25%
ZPI – 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)

Product Commission %
Caravan 15%
Motor Damage 10%
Multi Vehicle 5%
Private Car 9%

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).

Product Commission %
Group Personal Accident Policy 15%
Personal Accident 20%
Personal Accident Policy 15%
Personal Accident Road & Rail 15%

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).

Product Commission %
Combined Liability 10%
Employers Liability 6%
Public Liability 10%
Transit Liability 18%

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).

Product Commission %
Broker Household 15%
Broker Household DA 20%
Combined Caravan/Mobile Home 15%
Holiday Home 15%
Home Insurance 22%
Household 15%
Household 15%
Household DA 15%
Private Dwelling House Policy 15%

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).

Product Commission %
Accidental Damage 12.5%
All Risks 15%
Apartment Block Insurance 10%
Apartment Block Policy 15%
Building in the Course of Erection 15%
Combined Property Policy 12.5%
Combined Property Policy 15%
Commercial Combined 15%
Commercial Combined (U.K.) Pol 15%
Commercial Liability Policy 10%
Commercial Motor Vehicle 6.5%
Commercial Vehicle 5%
Commercial Vehicle 9%
Computer 15%
Computer All Risks” Policy” 15%
Contractors All Risks” Policy” 15%
Contractors Works 15%
Contractors Works 12.5%
Cyber Policy 20%
Directors & Officers 20%
ENP- Engineering 15%
Engineering Insurance Inspection 15%
Engineering Policy 20%
Farm Fire Policy 12.5%
Farm Policy 12.5%
Fidelity Guarantee 12.5%
Fidelity Policy 15%
Fire Schedule 12.5%
Fire/Perils 15%
Fire/Perils 12.5%
Fleet Insurance 5%
Fleet Motor Vehicle 5%
Goods in Transit 18%
Guest House All In” Policy” 15%
Hackney 5%
I.D.A. Motor Scheme 5%
I.H.C.A. Motor Scheme 5%
Internal Risks 10%
Legal Expenses 25%
Legal Expenses 15%
MRP – Marine 15%
Marine 20%
Marine Policy 17.5%
Marine: Small Craft 15%
Mini Fleet Vehicle 5%
Miscellaneous Bonds Policy 15%
Motor Traders 5%
Motor Traders Combined 5%
Motor Traders Internal Policy 10%
Multi Risk 5%
Nursing Home Combined 15%
Office Combined 15%
Office Policy 15%
Private All Risks” Policy” 15%
Property Owners 15%
R.I.A.I. Motor Scheme 5%
Residential Care Home Policy 15%
Shop 15%
Shopkeepers 15%
Shops Policy 15%
Small Craft/ Yacht Policy 15%
Special Types 5%
Tradestar Office 15%
Tradestar Property Owners 15%
Tradestar Shop 15%
Tradestar-Property Owners 15%
Trailer 15%

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.

Product Initial % Recurring Commission % Clawback Period (Months)
Whole of Life 90% 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.

Product Initial % Recurring Commission % Clawback Period (Months)
Term Protection 170% 12% 12

Single Premium PRSA

Product Initial % Recurring %
Single Premium PRSA 5% 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.

Product Initial % Recurring Commission % Clawback Period (Months)
Specified 100% 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.

Product Initial % Recurring Commission % Renewal Clawback Period (Months)
Savings 10% 0.5% 1% 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.

Product Initial % Recurring Commission % Renewal Clawback Period (Months)
Regular Premium PRSA 30% 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.

Product Initial % Recurring Commission %
PRB 5% 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.

Product Initial % Recurring Commission % Clawback Period (Months)
Mortgage Protection 170% 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.

Product Initial % Recurring Commission %
Investment 5% 0.5%

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.

Product Initial % Recurring Commission % Renewal Clawback Period (Months)
Regular Premium pension 20% 0.5% 3% 48
Single premium pension 5.5% 0.5%

Approved Retirement Fund (ARF) & Approved Minimum Retirement Fund (AMRF)

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.

 

Product Initial % Recurring Commission %
ARF 5% 0.5%

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