A Consumer is defined by the Distance Marketing Directive as a natural person acting for purposes outside his/her trade, business or profession.
The Insurance Company – Insurer
ACE European Group Limited trading as Chubb, ACE Europe and Combined Insurance is authorised and regulated by the Prudential Regulation Authority in the United Kingdom and is regulated by the Central Bank of Ireland for conduct of business rules, which can be accessed on its website at www.centralbank.ie. Registered branch in Ireland no. 904967 at 5 George’s Dock, IFSC, Dublin 1. ACE European Group Limited (company number 112892) is registered in England and Wales with registered offices at 10 Leadenhall Street, London EC3A 3BP.
Quotations are valid for a period of seven days.
Cooling Off Period – Right of Withdrawal
As a consumer you have a right to withdraw from any Insurance policy (other than short term policies of less than one month’s duration) within fourteen days of inception of cover, without penalty and without any reason, provided in the case of travel insurance that you have not taken a Holiday or made a claim on a Holiday protected by the cover provided. The right of withdrawal may be exercised by notice in writing to us or your Insurer quoting your policy number. Should this right be exercised, the Policy will have provided no cover and your Insurer will refund any premiums that You have paid.
Main Characteristics of the Policy
The main characteristics of your (the consumer’s) insurance policy is as explained to you by us and summarised in our Statement of Suitability and as set out in your policy terms and conditions which you have been given and which is available on request from us.
Period of Insurance
Subject to cancellation, the period of insurance in respect of any Insurance Policy held with us will be the period specified in the Insurance Company’s Policy Schedule and/or Certificate and Disc of Motor Insurance and/or Renewal Notice.
What will happen if I or the Insurer want to cancel the policy?
You (the consumer) can cancel your policy at any time by writing to us or your Insurer. The policy will be cancelled on the date we or your Insurer receive your request in writing. We or your Insurer may cancel your policy by writing to you and giving you notice of the cancellation of your insurance as provided for in your policy.
Will I receive a refund when my policy is cancelled?
Provided that no incident giving rise to a claim has occurred in the current period of insurance, you will be entitled to a proportionate return of the premium for the unexpired period of insurance. If you cancel during the first year of insurance (outside the cooling off period), an administration charge will apply.
What happens if I miss an instalment payment?
If you pay your premium by instalments we may cancel the policy if you miss a payment. We will write to you allowing twenty-one days to make the payments before the policy is cancelled.
ACE European Group Limited are dedicated to providing a high quality service and wants to maintain this at all times. If You are not satisfied with this service, please contact them immediately, quoting Your Policy details, so that Your complaint can be dealt with as soon as possible. The Customer Service Manager Chubb Travel Insurance, 5 George’s Dock, International Financial Services Centre, Dublin 1, T: 1800 200 035 or + 353 (0)1 440 1765, E: firstname.lastname@example.org
It is not recommended that You send financial or personal sensitive details via email as it may not be secure whilst in the public domain. If You are not satisfied with their final response, You can ask the Financial Services Ombudsman Bureau (FSOB) to review Your case. The FSOB’s contact details are given below: Lo Call: 1890 882090, T: 01 662 0899, F: 01 662 0890, E: email@example.com, Website: www.financialombudsman.ie, Financial Services Ombudsman’s Bureau, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2.
The existence of these complaints procedures does not reduce Your statutory rights relating to this Policy. For further information on Your statutory rights contact the National Consumer Agency. If You arranged your policy online and have been unable to contact your Insurer You may wish to register Your complaint through the European Online Dispute Resolution platform http://ec.europa.eu/consumers/solving_consumer_disputes/non-judicial_redress/adr-odr/index_en.htm
Your complaint will then be redirected to the Financial Services Ombudsman and to your Insurer to resolve. There may be a short delay before your complaint is received.
The laws of Ireland will apply to your policy and Irish Courts will have jurisdiction to hear any disputes regarding your policy unless otherwise stated on your proposal form or in your policy terms and conditions.
Your insurance policy and all communications in respect of your policy will be in English.
For full details of all your policy terms, conditions and exclusions please consult your policy document, and/or schedule which you have been given and which are available on request from us. If you have any queries on any aspect of your insurance policy or the services we provide please do not hesitate to contact us.