InsurePlus.ie ("the Site") is owned and operated by InsurePlus Limited whose registered office is Suite 1 Grange Road Office Park, Grange Road, Rathfarnham, Dublin 16. InsurePlus.ie content ("the Content") is owned or licensed by InsurePlus Limited.
Please read these terms and conditions. By accessing and using the Site you are agreeing to these terms and conditions (including the InsurePlus.ie Legal and Privacy Notice). You must read the important disclaimers which follow as they affect your use of the Site.
ALL RIGHTS RESERVED
InsurePlus Limited hereby authorizes you to copy and display the content herein, but only for your personal or informational and non-commercial use. However, the content herein shall not be copied or posted in any network computer or broadcast in any media. Limited quotations from the content are permitted if attribution to InsurePlus Ltd is included, but you may not copy or display for redistribution to third parties for commercial purposes any portion of the content without the prior written permission of InsurePlus Ltd. No modifications of the content may be made.
InsurePlus Limited makes no representations about the suitability of the content of this site for any purpose. All content is provided "as is" without any warranty of any kind. InsurePlus Limited has not made and does not make any warranty of any kind whatever, express or implied, with respect to the contents of this site; and all implied warranties or merchantability, title for a particular purpose are hereby disclaimed by InsurePlus Limited. InsurePlus Limitedwill not be liable to anyone with respect to any damages, loss or claim whatsoever, no matter how occasioned, in connection with access to or use of the contents of this site. InsurePlus Limited will not be liable for any special, indirect, exemplary, punitive or consequential damages or any damages whatsoever, including but not limited to loss of use, data or profits, without regard to the form of any action including but not limited to contract or negligence or other tortious actions, arising out of or in connection with the use, coping or display of the content.
InsurePlus Limited believes the content to be accurate, complete and current, however there may be inadvertent technical or factual inaccuracies and typographical errors and InsurePlus Limited does not warrant that the information is accurate or complete or current. It is your responsibility to verify any information before relying on it. At any time and from time to time InsurePlus Limited may make changes in the products and/or services described herein, however, InsurePlus Limited makes no commitment to update the information and expressly disclaims liability for errors or omissions in it.
LINKS TO OTHER SITES
Some of the sites listed as links herein are not under the control of InsurePlus Limited. Accordingly, InsurePlus Limited makes no representations whatsoever concerning the content of those sites. The fact that InsurePlus Limited has provided a link to a site is not an endorsement, authorization, sponsorship or affiliation by InsurePlus with respect to such site, its owners or its providers. InsurePlus is providing these links only as a convenience to you. InsurePlus has not tested any information, software or products found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software or products found on the Internet, and InsurePlus cautions you to make sure that you completely understand these risks before retrieving, using, relying upon or purchasing anything via the Internet.
InsurePlus Ltd is remunerated by aprofessional brokerage (administration fee/service charge) for the initialwork activity and time spent in seeking the best terms, advice, productand product producer for your specific needs. InsurePlus Ltd also transacts business with some ProductProducers/Brokers who in turn may apply a fee/charge for their services.Brokerage is also charged for the activity involved in the renewal of thepolicy and also any alterations that take place during and at terminationof a policy. Details of our brokerage we may charge is under noted. Weare usually remunerated by commission (separate to brokerage) receivedfrom the product producers for the work involved in placing an order andfinalising the product with them on your behalf. Details of commissionarrangements are available on request (Some product producers do notpay a commission).
Scale of Brokerage
Brokerage of up to 100% of the premium is applied; for any new business,renewal, mid-term alteration depending on; the advice given,complexity, claims handling, time spent sourcing markets, specialist skillsinvolved and urgency. We will confirm and agree brokerage with you priorto any charge being applied. We will not charge brokerage in respect ofany rebated premium unless agreed with you formally in advance.Brokerage of between €10 and €200 may be charged for any advice givenor amendments made on your behalf irrespective of whether Insurerscharge for the advice or amendment. We will confirm and agreebrokerage with you prior to any charge being applied. Brokerage may beshown in monetary (€) or percent (%) value.If you have any questions regarding the nature or amount of the compensation paid please contact the Managing Director of the InsurePlus t/a RentAssured office.
COLLECTION & STORAGE OF DATA
InsurePlus gathers data containing information about its clients and their insurance placements, including, but not limited to, names, industry codes, policy types, and policy expiration dates, as well as information about the insurance companies that provide coverage to its clients or compete for its clients’ insurance placements. This information is maintained in one or more databases.InsurePlus may use or disclose information about its clients, if required to do so by law, InsurePlus policy, pursuant to legal process or in response to a request from law enforcement authorities or other government officials. In addition to being used for the benefit of InsurePlus clients, these databases also may be accessed by other InsurePlus affiliates for other purposes, including providing consulting, and other services to insurance companies for which InsurePlus t/a RentAssured or its affiliates may earn compensation.
EXCLUSON OF CERTAIN DAMAGES Express exclusions and limitations of our liability to you
In no event will we be liable to you for any indirect, incidental, consequential, exemplary or punitive damages (including, without limitation, lost or anticipated revenues, lost business opportunities or lost sales or profits).
General limitation on InsurePlus liability to you
To the fullest extent permitted by law, and except for damages resulting solely and directly from fraud or intentional misconduct by us, InsurePlus liability for all time to you for any and all damages, costs, and expenses (including but not limited to legal fees), whether based on contract, tort (including negligence), or otherwise, in connection with or related to the services (including a failure to provide a service) or any other services that we provide shall be limited to a total aggregate amount of €1 million or such higher amount as we may agree with you from time to time by express agreement signed by you and us.
Limitation of liability for related companies and employees
The single total aggregate liability limitation in clause 1.2 also applies to: claims and liabilities asserted by your related companies, employees and agents against InsurePlus;claims and liabilities asserted by your related companies, employees and agents against InsurePlus related companies, employees and agents; and claims and liabilities asserted by you against InsurePlus related companies, employees and agents,so that the total of all such claims combined cannot exceed the amount set out above. However nothing in this notice shall create, imply, or operate as an admission, that our related companies, employees and agents owe or accept any duty or responsibility to you or to your related companies, employees and agents.
Fair apportionment of damage due to contributory fault
Where any claim or loss arises partly due to an error or omission by us and partly due to an error or omission by you (including one of your related companies, employees or agents), you indemnify us for all damage and loss arising from the error or omission by you (including your related companies, employees or agents). InsurePlus has no liability for your errors and omissions.
To the fullest extent permitted by law, InsurePlus has no liability for any claim or liability asserted by you or by your related companies for any loss arising by reason of or arising out of an error or omission by you or one of your related companies, including any failure to comply with your duty of disclosure.
Time limit for bringing legal action
Any claim against InsurePlus (or any of its related companies, employees and agents) brought by you (or any of your related companies, employees and agents) in connection with or related to the services (including a failure to provide a service) or any other services that we provide including, but not limited to, any contractual, common law or statutory causes of action, must be brought no later than one year from the date that you become aware, or, in the exercise of reasonable diligence, should have become aware, of the grounds for any such claim. You acknowledge and agree that this provision shall take precedence over and supersede any statute of limitation that would otherwise apply.
No liability for calculation errors
We are not responsible for any loss you may suffer as a result of our calculation or estimation of the premium and statutory charges that apply to your insurance.
If any provision of this Notice is determined by a court of competent jurisdiction to invalid or unenforceable in whole or in part, the validity and enforceability of the remainder of the provision in question and of the remaining provisions of this Notice shall be separate and several and construed and enforceable accordingly and shall continue in full force and effect.
The headings contained in this Notice are for reference only and should not be incorporated into this Notice and shall not be deemed to be any indication of the meaning of the clauses to which they relate.