Frequently Asked Questions

1. Home Insurance
2. Income Protection
3. Life Assurance (including Mortgage Life Assurance, Life Assurance and Specified Illness)

Every care is taken to ensure that the information in this document is clear and accurate. However, no responsibility is taken for errors or omissions. If any conflict arises between this document and the Policy Conditions as per the Policy Document, the Policy Conditions will apply.

This FAQ document is meant as a guide and individuals should consult relevant insurance company literature or contact a representative of SmartQuotes where clarification is required.

Further information is available on our Terms of Business. All Home Insurance, Income Protection and Life Assurance (including Mortgage Life Assurance, Life Assurance and Specified Illness) is transacted on an execution only basis.

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Home Insurance FAQ's

Why do I need to have home insurance?

Home insurance includes buildings insurance and contents insurance. You are not legally obliged to take out home insurance. But if you have a mortgage, your lender can insist that you have buildings insurance so that you can afford to rebuild your home if it is destroyed. It is very important that you insure your home and contents for the correct amount, in case you later have to make a claim on the policy.
Even if you don't have a mortgage, it is wise to have home insurance so you can pay to repair or replace buildings, contents and valuables if there is a burglary, fire or other damage.
Home insurance provides you with the security and peace of mind to replace buildings or contents in the event of a loss.

What is buildings insurance?

This insurance pays the cost of repairing or rebuilding your home if it is damaged by unforeseen events (as detailed in your insurance policy).

How much buildings cover should I have?

You should insure your home for the rebuilding cost and this is the reinstatement value.
You can find the home-building cost figures in the Guide to House Rebuilding Insurance available from the Society of Chartered Surveyors. See www.scs.ie for further details.
It is very important that you insure your contents for the correct amount (see averaging FAQ below).

What is contents insurance?

This insurance covers for the loss or damage of property within your home. For example, furniture, clothing, personal possessions etc. Contents cover is a separate type of insurance to buildings insurance, which covers the structure of your property.

Is the quote I have received the cheapest?

Based on the details provided we have prepared the cheapest possible quote with a standard excess of €250. Where requested we can include other options. Customers should review the policy documents for policy specific information.

How much contents cover should I have?

You should insure your contents for the amount it would cost you to replace them if they were stolen or damaged.
It is very important that you insurance your contents for the correct amount (see averaging FAQ below).

What is accidental damage?

Accidental damage covers accidental events giving rise to a loss for example. Please see your policy documents for specific details on what is covered.

Is accidental damage covered under buildings insurance?

All quotes will specify whether accidental damage is covered or not as requested on the quotation form.

Is accidental damage covered under my contents insurance?

All quotes will specify whether accidental damage is covered or not as requested on the quotation form.

What is all risks cover?

All risks cover protects against loss, theft of, or accidental damage to items outside your home as well as in. The unspecified all risks section of your policy covers items such as jewellery, photographic equipment, personal effects, clothing and sports equipment up to a maximum sum insured as shown on the schedule with a limit (as stated in the policy document) for any one item.
Items with a value in excess of the stated limit (as per the Policy Document) need to be specified prior to the policy issuing. This may increase the premium.
Bicycles are not covered as standard under the all risks section (unless otherwise stated in the policy document).

Will I need to provide a valuation for specified items covered in the all risks section?

Yes a valuation will be required for items valued more than €5,000. These items will not be covered unless the insurer receives the valuation from you. In certain cases insurers may request a valuation for lower values items but you will be advised of this prior to policy issued. 

What is meant by new for old policy?

This means your contents are insured on a 'new-for-old' basis, meaning they would be replaced as new if destroyed by an event insured by the policy. You should add up the value of:
  Items at their current replacement cost as new, other than clothing and household linen and carpets over five years old
  Clothing, household linen and carpets over five years old at their current replacement cost as new, less an allowance for wear and tear.
All quotes provided are on a new for old basis unless otherwise stated. For specific details on this please consult the policy documents.

Are timber-framed properties covered?

Yes

Can I get home insurance for my house that I rent out?

Yes, please specify this on the quote form.

I have a mortgage on my house. Do I have to take my house insurance out with the bank or building society that provided the mortgage to me?

No. Competition legislation allows you the freedom to arrange your insurance where you like provided the buildings are insured to the sum insured stated in the valuation carried out by your bank or building society.

Does having an alarm reduce by premium?

Yes, in most cases a reduction of 15% will be applicable for an alarm. Where the alarm is monitored a discount of up to 25% is normally applied. SmartQuotes.ie have obtained a fantastic partner offer on monitored alarms from €15 per month (please contact us for further details)

What if a tradesman or other person is injured while carrying out a repair in my house?

You should ensure that all tradesmen that work in your house carry their own Employers and Public Liability insurance covers. A household policy usually extends to provide indemnity for domestic employees only i.e. cleaners, child minders.

Can I get cover on the same day?

It is possible to get cover on the same day. If this is required please call the office on 01 6853813.

What do I need to do if I move house?

Phone your insurance company with your new address, type of dwelling, security and any change in buildings or contents value or material change. Your old policy will be amended to cover your new dwelling and the premium will be adjusted accordingly.

How does the process work?

• You complete the online application process
• SmartQuotes.ie will contact you with the cheapest option based on the information provided
• On receipt of the quote you will be sent instructions on how to put cover in place and pay the required premium

Can I get a copy of the policy document before the cover is put in place?

We will send you a copy of the standard policy from the insurer at the quotation stage for your review. This should be reviewed in detail.

When could my claim be refused?

The most common cases for refusal of a claim are:

• if your policy does not cover the specified claim.
• if one of the conditions in your policy is not met (for example, reporting a burglary to the police).
• the damage was considered to be caused by wear and tear rather than a specific risk under your policy.
• if you did not have your alarm on during the time of a burglary, a claim may be refused by your insurer if you told them you had an alarm and got a discount for it.

You should consult your policy document for details of risks covered and for details of what to do in the event of claim.

What does 'averaging applies' mean?

If you have underestimated the value of your home and its contents, your insurer is entitled to pay you less money than you actually claimed for. This is because of the 'average clause' that is included in some policies.
Providing you value your buildings and contents correctly this should not affect the value of a claim.

How 'average clause' works Average clause

This is a condition included in some home insurance policies that limits what you can claim if you are under-insured. For example, if the contents of your home are worth €40,000 but you insure them for just €20,000 you are under-insured by 50%. If your contents are damaged, destroyed or stolen, the most you will get from your insurance company is 50% of the total damage.
You should consult the policy documents to confirm whether averaging applies.

What is the excess?

The excess is the amount of each claim that you will have to pay for yourself.

A standard excess will apply and this will be provided with the quotation returned. If a lower or higher excess is required please advise on receipt of your quote and we will furnish you with the options. A lower excess will increase the premium whereas a higher excess will reduce the premium.

Who is the insurance provided by?

All new household insurance business is referred to Mercury Insurance Brokers Limited ('Mercury Insurance') with whom we have an agency agreement, a firm regulated by the Central Bank of Ireland. When you select our on-line quotation facility for a household quote you will receive a quote from a SmartQuotes.ie representative which has been prepared by Mercury Insurance.

Mercury Insurance will place Househould Insurance with insurers whom they hold a relevant agency with. Mercury Insurance holds household insurance agencies with:

• Allianz
• Benchmark
• RSA
• Aviva
• Zurich
• Hickey Clarke and Langan (underwritten by Lloyds)
• Dolmen
• Finsure
• Chubb
• Crest Underwriting
• Coyle Hamilton
• Kidd Insurances
• Securus Insurance

How can I pay my premium?

The premium can be paid by cheque payable to Mercury Insurance Brokers Limited.
Alternatively for certain insurers payment can be made by credit card (the payment is taken in this case directly by the insurer). Furthermore for certain insurers it is possible to pay by Direct Debit. There is a service charges applied by the insurance company for Direct Debit payments and this will be advised in advance to you by email.
No payments are taken directly by SmartQuotes.ie (a trading name of PFP Financial Services Limited).
All payment options will be advised at the time of quotation.

Where can I get more information?

Further information can be obtained by contacting SmartQuotes (a trading name of PFP Financial Services) on 01 6853813.

The National Consumer Agency has an excellent jargon buster which is accessible here (link: http://www.itsyourmoney.ie/jargonbuster)

Terms of Business

SmartQuotes.ie (a trading name of PFP Financial Services Limited) refer household insurance business to Mercury Insurance Brokers Limited. The terms of business of both firms will be furnished to customers.

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Income Protection

How much Income Protection do I need?

An Income Protection contract will provide you with an income if you are unable to work due to illness, disability, injury or sickness. The maximum income that can be provided is 75% of your salary less State Illness benefit of €9,776 per annum for employees

For an example an employee on €50,000 per annum can insure a maximum level of income of €27,724. For the same individual being self employed this increase to €37,500.

In both cases the total income on payment will be the same as the employee will get the state benefit of €9,776 per annum. The self employed individual will get nothing.

Income Protection cover is a very important cover although one that is often overlooked. The level of cover you choose should fit your budget but some cover is better than none at all. It is probably a good idea to see what income you need to pay the essentials in life such as Mortgage, Personal Loans, Food Costs, School Cost, Insurance Cost and Utility Bills.

Remember there is tax relief available at your highest rate.

How do I know what sick pay I get from my employer?

Like all insurances it is important that you are not over-insured. Ask your employer what the companies sick pay arrangements are and use that as a starting point to deciding on the most suitable level of cover.

Income Protection can seen complex but doesn't have to be. Call one of our experienced team on 01 685 3813 and we will be happy to assist you.

 

What tax relief is available on premiums

Tax Relief is available on premiums paid at your highest rate (subject to conditions)
It is possible to claim tax relief on premiums paid in two ways:

1. When submitting your tax return via the self-assessment system.

2. The relief can be claimed directly from Revenue. In this situation the relief is given by means of an adjustment to your Tax Credit Certificate.

3. Through net pay with the agreement of your employer

For further information please see www.revenue.ie or contact SmartQuotes.ie

 

My wife works in the home. Can I cover her?

Currently only one provider in the market offers this type of cover, Aviva.

Keeping a home is still work, Aviva recognise this and if you are unable to perform your household duties, they will pay you a benefit of €15,000 per annum.

We also provide cover for the same amount with the same conditions to full time carers i.e. looking after an ill, disabled or elderly relative without pay.
For homemakers, and unpaid carers, the 'work tasks' definition of disability will automatically apply. Please ask one of the SmartQuotes team for further details

 

What exactly does Income Protection Cover?

An Income Protection Policy will provide you with an alternative income if you are unable to work due to illness, disability, injury or sickness. Minimum social welfare benefit is paid for employees (currently €188 per week for a single  person) would this be enough to pay your mortgage, household bills and maintain your lifestyle?
In the event of you being unable to work, we will pay you the agreed benefit monthly.

How is this different to a Specified Illness Policy?

Specified Illness only covers a specified number of illnesses where as Income Protection covers any illness, injury, accident or disability that prevents you from working (except in the case of work tasks cover).
Specified Illness pays a once off lump sum and your Income Protection Policy  pays a regular income until you are able to return to work or until the end of  the policy term.
There is no tax relief available on Specified Illness, however you can claim tax relief at your marginal rate on Income Protection premiums.
You can only claim once on a Specified Illness policy, with Income Protection there is a multiple claim facility so you can claim as many times as is necessary.

How soon can I get access to this Income if I am out of work?

The income will be paid after your chosen period of 4,8,13, 26 or 52 weeks.�� This is also known as the deferred period

How long will you pay the benefit if I am out of work?

The Income Protection Policy pays a regular income until you are able to return to work or until the end of the policy term.

How many times can I claim on this policy?

You can submit claims on your Income Protection policy as many times as you require benefit, right up until the end of the policy term.

What is indexation?

Indexation This option allows you to increase your life cover in line with inflation. The indexation rates vary between providers and clients should always ask what indexation rate applies to their premium and their benefits. In general individuals should look for an indexation option where the benefit and premiums increase at the same rate, which although more expensive in the early years will usually work out cheaper during the life of the policy.Please contact us if you would like an illustration of this for any particular indexing quote

If I am out of work, will I have to pay my premium/will the premium still be deducted from my account?

You do not have to continue paying premiums while you are receiving an Income from your policy. This is called waiver of premium benefit.

What is the difference between Guaranteed and Reviewable Rates?

Your premiums can be either guaranteed (will not change during the term of your plan) or reviewable (will stay constant for the first 5 years of the plan and subject to review thereafter) 

What occupation class am I?

We have provided a New Ireland occupation guide for illustrative purposes. The occupation classes can vary between insurer. Please call the office on 01 6853813 for clarification.

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Life Assurance

(including Mortgage Life Assurance, Life Assurance
and Specified Illness)

What is Life Assurance and why do I need it?

A Level Life Assurance policy provides a fixed amount of cover for a fixed term of years. If you die during the term of the policy, the amount you are covered for will be paid to your loved ones as a lump sum. This type of cover provides you with the peace of mind that if you die, your family will not have to struggle financially. You choose the level of cover you need and the period that you want the cover to last.

SmartQuotes.ie offer two types of life insurance policy:

- Level Life Assurance
- Mortgage Life Assurance

We also offer Specified Illness Cover, which can be combined with both Life Assurance and Mortgage Life Assurance for an additional cost. Further details on Specified Illness Cover are included in this guide at Section 8 below
With Level Life Assurance, the amount of cover you choose at the start of the plan will remain fixed over the term of the plan. The premium you pay is also guaranteed to remain fixed throughout the term. Options for indexation are available and are described in more detail below.
Mortgage Life Assurance (also known as Mortgage Protection) ensures that if you die during your mortgage term, you should be able to pay off whatever is left of your mortgage
Level Life Assurance policies are not designed to be a savings fund. At the end of the term, you stop making payments and your cover ends.  It is also worth noting that if you stop making the monthly payments, the cover will cease and again there is no cash value

There are also whole of life policies. This type of life insurance policy covers you for your whole life. It pays out a benefit when you die whenever that happens as long as the policy is still in force. The benefit is not usually fixed and can vary over the life of the policy depending on the performance of the investment fund used by the policy. Also, your premiums are not fixed and may increase from time to time, for example every 10 years or so. SmartQuotes.ie do not currently offer whole of life policies

How much Life Assurance do I need?

You choose how much life insurance you buy. This is very much a personal choice depending on your circumstances:

Generally, if you have a young family, you will need to provide a larger lump sum than if your children are older. That is because the benefit has to last longer.

You will need to consider buying cover to:
- cover your family's income needs, for as long as they need the income;
- pay off your mortgage and any other loans; and
- cover costs that might arise when your children are older, for example school or college fees.

How much cover you take out is dependant on what you wish the cover to be for the same is true for the length of time the cover should be for? If you have taken out a life assurance policy to run along side your mortgage, it will dictate how long the cover is needed. However if you have took out a life policy to secure your family, you may want the term to run until your youngest child finishes full time education.

What is the difference between single, joint and dual life cover?

Single Life Policy
Cover one person

Joint Life Policy
It pays out the benefit only once, either you or your partner dies while the policy is in force.  A Mortgage Life Assurance policy is an example of a Joint Life Policy

Dual life policy
This is a life insurance policy that provides cover for two people and continues after the first person dies. It pays out benefit on each death.
More companies currently quote for Dual Life Cover so in certain cases this type of cover may be only slightly more expensive or even cheaper than Joint Life Cover, even though Dual Cover is a superior level of cover than Joint Life Cover.

What is Mortgage Life Assurance (also known as Mortgage Protection)

This is a form of life assurance product, which lenders must make sure you have in place when you take out a mortgage on your family home and if you are under 50 years of age. Your mortgage protection policy pays off the outstanding amount due on your mortgage if you die.

Mortgage Life Assurance is also known as Mortgage Protection. It is a decreasing cover so for example if your mortgage is initially €200,000 and after 5 years of repayments has €150,000 outstanding, a Mortgage Life Assurance policy will repay circa €150,000. For this reason it is usually cheaper than standard Life Cover.

Mortgage Life Assurance by nature is joint life cover. Specified Illness options can be included at an additional option at an additional cost. A more detailed description is available in section 8.

It should be not be confused with Mortgage Repayment Protection which pays mortgage payments for a set period in the event to unemployment or illness. Mortgage Repayment Protection is not offered by SmartQuotes.ie

If you have an interest only mortgage which by nature is not decreasing a term life assurance policy will be required

What are the various different types of Life Assurance?

Convertible Term Policy

This is also known as a continuation option. At the end of the term you have chosen you have the option to continue your life cover without the need for further medical information. The cost of the cover at this time will be dependent upon the cost of cover for a similar individual with no health issues. In certain cases it may be possible to convert the policy prior to the end of the term. See below for further details

Convertible Term/ Continuation Options by Insurer

Conversion Options
	Anytime	AT END	MAX AGE (TO CONVERT)	COVER ENDS
CALEDONIAN	YES	YES	65	80
CANADA LIFE	YES	YES	65	80
ZURICH	NO	YES	N/A	85
FRIENDS FIRST	YES	YES	65	80
AVIVA	YES	YES	N/A	80
IRISH LIFE	YES	YES	N/A	80
NEW IRELAND	YES	YES	60	85

Correct as at December 2010 in respect of Life Assurance. For further information please contact SmartQuotes.ie

Level Term

The policy is for a set period of time (ie 20 years). At the end of period the policy will lapse. The premium remains constant throughout the policy (except for the first twelve months if a discount is applicable)

Indexation

Indexation This option allows you to increase your life cover in line with inflation. The indexation rates vary between providers and clients should always ask what indexation rate applies to their premium and their benefits. In general individuals should look for an indexation option where the benefit and premiums increase at the same rate, which although more expensive in the early years will usually work out cheaper during the life of the policy. Please contact us if you would like an illustration of this for any particular indexing quote.

What is Specified Illness Cover?

Specified Illness cover is a long-term insurance policy designed to pay a lump sum on the diagnosis of certain life-threatening or debilitating (but not necessarily fatal) conditions such as a heart attack, stroke, cancer, multiple sclerosis and loss of limbs. The specified illnesses covered vary between providers and can change from time to time. Where you have requested a quote and a specified illness option has been included we will provide you with a breakdown of the illnesses covered by that insurer.

Serious illness insurance does not usually cover you for common conditions such as diabetes or certain treatable cancers. Also, if you develop an illness that is listed on the policy it does not guarantee you will be covered. Your condition must match your policy's exact definition of the illness.

There are a number of different types of specified illness cover

Accelerated Specified Illness Cover

Life cover with attaching Specified Illness Cover under the one policy.
A Specified Illness claim payment reduces your remaining life cover by that amount i.e. advance payment of Life Cover.

This can be an option with both Mortgage Life Assurance and Standard Life Assurance. For example if the Life Cover was for €200,000 and the Accelerated Specified Illness benefit was for example €50,000. On the diagnosis of a Specified Illness €50,000 is paid to out with €150,000 of Life Cover remaining.

Life Cover with Standalone Specified Illness Cover

This is specified illness cover where a claim does not reduce the level of life cover

Standalone Specified Illness Cover

This is specified illness cover with no life cover benefit

What is the difference between specified illness and terminal illness cover?

With specified illness the policy will pay out on diagnosis of a specified medical condition listed by the insurer. With terminal illness cover the policy will pay out if you are diagnosed as having 12 months or less to live, although some providers will not pay out if the policy has less than 18 months to run.
Terminal illness is included automatically on certain policies. Specified illness cover can be combined with Level Term Life Insurance or Mortgage Life Assurance and a premium will be charged for the extra cover.

Will the insurer cover me if I already suffer with a specific medical condition?

It depends.  You must disclose this on the application form in the required field. The insurer may then write to your doctor or request that you attend a medical examination before a final underwriting decision is made.

It is the responsibility of the client to ensure that all information submitted is complete and accurate.
It should be noted that clients(s) have a duty to disclose any material facts, which come to light between the date, the proposal form is signed and the date the policy is issued. Failure to do so may result in any subsequent claim being refused.

When you are applying for Life Assurance, Mortgage Life Assurance, Income Protection or Specified Illness Cover you are under a legal obligation to disclose all relevant details about your health or any other relevant item as requested on the application form. If it subsequently transpires that you did not disclose on your application something which was relevant and which you knew about, then the insurance company may cancel the cover under the policy and no claim will be paid. The insurance company will rely on what you have told them in your application. When in doubt about a specific item it should be disclosed and the relevant Insurance Company will decide on it relevant. Where you do not wish to disclose this information to the intermediary the Insurer can be contacted directly

Are there any exclusions?

The details of any exclusion are included with the policy documents which will be sent out at policy issue. In general suicide is not covered until a period of13 months have elapsed since the policy was issued. Where in doubt the policy documents received at policy issue should be reviewed. If you have any specific queries please contact us on info@smartquotes.ie and we will get confirmation from the relevant insurance company on your behalf. If you are not happy with the policy once it has issued you are entitled to cancel it within 30 days. Please see Cooling-Off Period below:

What is a Cooling-Off Period?

With most policies you have a "cooling off" period during which you can cancel a policy and get a refund of any premiums you have paid. These will be clearly advised in the policy information received from SmartQuotes (a trading name of PFP Financial Services Limited) or the relevant insurer.

What companies do SmartQuotes.ie offer Life Assurance for?

We work with some of the largest names of the market such as

1. Aviva

2. Canada Life

3. Caledonian Life

4. Friends First

5. Irish Life

6. New Ireland

7. Zurich Life

We don't handle client premiums for Life Assurance and all direct debits go directly to the insurance company.

Can I switch my provider of Life Assurance or Mortgage Life Assurance during the term?

Like with all products it is a good idea to review your Life Assurance to ensure it is value for money and fit for purpose. On an ongoing basis your life situation changes as do your insurance needs, so it's important to review your life insurance cover every so often. Changes like birth, quitting smoking, divorce, re-marriage or even a new mortgage or job, are indicators that you might need to make changes to your life insurance policy.
If you do plan to switch to a new Life or Mortgage Life Assurance policy, you'll need to cancel your old policy in writing. However, you should not cancel it until the new policy is in place.
In relation to Mortgage Life Assurance, any mortgage holder is permitted to organise their own mortgage life assurance. In recent years term rates have reduced and it may be possible to obtain a lower monthly premium by switching provider.
SmartQuotes compares the market to find you the lowest cost provider. We offer clients a discount on their first year's premium. SmartQuotes allows monthly payers to benefit from this discount.

If you propose to take out this policy in complete or partial replacement of an existing policy, please take special care to satisfy yourself that this policy meets your needs. In particular, please make sure that you are aware of the financial consequences of replacing your existing policy.

It should be noted that it is not prudent to switch provider unless the premium before the discount is lower than your current monthly premium as after month 13 the premium will revert to the higher amount.

How to Switch Provider in relation to Mortgage Life Assurance

1. Compare the market with SmartQuotes.ie

2. If you obtain a lower monthly premium and are happy to proceed send in the completed application

3. SmartQuotes.ie will submit your application and contact you once the policy has been underwritten

4. Once you are happy with the underwriting terms select a start date to give you sufficient time to cancel your existing cover

5. Write to your lender notifying them of your new cover with a copy of the policy documents (which will be sent to you by SmartQuotes.ie). Write to your existing life assurance provider to ask them to cancel your policy.

6. Your new policy commences at the specified date. For the first twelve months you benefit from our discount of 70% off (subject to Terms of Business)

How does the discount during the first twelve months work

We are paid a commission for acting as intermediary and our first year's discount is a rebate of part of that commission with you. 
For Life Assurance (including Mortgage Life Assurance) and Specified Illness Cover where policies are paid monthly we will refund you 70% of the first year's premium (provided the monthly premium is €30 or more), paid monthly on the same day the direct debit is paid to the provider (eg Insurance Company) for the first twelve months.  It's as simple as that.
Where the premium is below €30 per month the rebate will be calculated as follows (and the term if 10 years or more):
€20 to €29.99   Rebate of 60% payable
€19.99 or less   Rebate of 50% payable
Where the term of the policy is less than 10 years no rebate will apply.
Where policies are paid yearly, and the premium has been paid in full, we will refund you 70% of the first year's premium, paid within 4 weeks after the commencement date of the policy (where monthly premium equivalent is €30 or more where it is lower than these levels the calculations as above will apply)
It should be noted that if the policy is terminated within the first twelve months (by way of cancellation or non payment of premium) the commission rebate is refundable SmartQuotes.ie (a trading name of PFP Financial Services Limited) in full.

From month 13 onwards the normal monthly premium applies.

What is meant by execution only

An Execution-Only service means that you tell us what product you wish to buy.  We don't give you advice as to the type of product most suitable for your needs, the amount of cover you are obtaining?.  We assume that if you are using this site, you have already made these decisions.  This allows us to offer you a product in an cost effective and pass on our savings to you by way of a discount in the first twelve months premiums.

By ticking the relevant box during the quote process and/ or by signing the execution only letter you are acknowledging you have neither requested nor been given any advice in relation to this product.

The team at SmartQuotes.ie are available by phone and email to help and will assist where possible to answer any questions you may have.

Can I cancel the policy at any time?

Yes, but of course your life insurance cover will then stop also. There is no cash in value for any policy.

How do I make a complaint?

If you have a complaint, we really want to hear from you. We welcome your comments, as they give us the opportunity to put things right and improve our service. Please email: info@smartquotes.ie

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