McCarthy Insurance Group is authorised by the Central Bank of Ireland as an Investment Intermediary under the Investment Intermediaries Act 1995 (as amended) and as an Insurance Intermediary under the European Communities (Insurance Distribution) Regulations 2018. Our status as an Investment Intermediary and Insurance Intermediary can be verified by checking the registers held by the Central Bank of Ireland on their website: www.centralbank.ie. McCarthy Insurance Group is also authorised by the National Consumer Agency as a Credit Intermediary.

Short Term Plans Short term plans are medically underwritten. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy/certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy/certificate might also have lifetime and/or annual monetary limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.

Insurance Coverage Insurance coverage provided by or through McCarthy Insurance Group or its affiliates. No individual applying for health coverage through the individual marketplace will be discouraged from applying for benefits, turned down for coverage or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.

References References to McCarthy Insurance Group pertain to each individual company or other McCarthy Insurance Group affiliated companies. Each company is a separate entity and is not responsible for another’s financial or contractual obligations. This policy has exclusions, limitations, reduction of benefits, terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write to McCarthy Insurance Group directly.

Compliance McCarthy Insurance Group is subject to and complies with the following Central Bank of Ireland Codes of Conduct: Consumer Protection Code, Minimum Competency Code and the Fitness & Probity Standards. These codes offer protection to consumers and can be found on www.centralbank.ie. McCarthy Insurance Group is remunerated by a Professional Fee paid directly by the client for work carried out on the client’s behalf.

Cooling Off Period A consumer who purchases an insurance policy over the phone or through the internet, without any face-to-face contact with McCarthy Insurance Group, has the right to withdraw from that insurance policy within 14 days of the start date of the policy or within 14 days of receipt of the annual documentation issued on behalf of the Insurer (whichever is the later) without penalty and without giving any reason under S.I. No. 853/2004-European Communities (Distance Marketing of Consumer Financial Services) Regulations 2004; this is known as the Cooling Off period. The right of withdrawal may be exercised by notice in writing to McCarthy Insurance Group, quoting your policy number. Should this right be exercised, the Insurance Company may charge a pro rata premium for the period you are on cover. Any Fee or Charge paid by the consumer to McCarthy Insurance Group for work carried out prior to cancellation shall not be refundable.

Cancellation Policy You, the client, can cancel your policy by notice in writing at any time. Provided that all reasonable Fees & Charges due to McCarthy Insurance Group have been paid and 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 un-expired period of insurance. The exceptions to this general principle are as follows:

1. If the policy is on a minimum and deposit basis, no return will be allowed on the policy, and this will be noted on your policy schedule;
2. If you cancel a property insurance policy during the first year of insurance, no return premium will be allowed by your Insurer;
3. If you cancel any other form of policy during the first year, short term rates will apply; please see your policy terms & conditions for details.

Please note that your Insurer may require you to return your policy documents prior to cancellation. In the case of cancellation of motor insurance, you must return the Certificate of Insurance and Windscreen Disc to McCarthy Insurance Group before the policy can be cancelled. A Professional Fee of €50 will be charged by McCarthy Insurance Group on policy cancellations.

McCarthy Insurance Group and your Insurer both reserve the right to cancel your policy at any time by notice in writing to your last known address. A non-exhaustive list of reasons for cancellation includes:

• You fail to pay the premium due at policy inception, at renewal or following a mid-term alteration or adjustment;
• Your bank returns your payment cheque due to insufficient funds or any other reason;
• You fail to disclose material facts in accordance with Insurance law;
• Any other reason outlined in your policy terms & conditions.

We recommend that you read your policy documents in full in order to familiarise yourself with these terms & conditions and if there is any aspect that you don’t understand, please contact us.

Complaints Procedure If you are unhappy with any aspect of our service or products, you can let us know by contacting the Branch Manager of the McCarthy Insurance Group branch where you usually transact your business. You can make your complaint in writing (by letter or email), over the phone or in person. Our aim is to resolve all customer complaints as expeditiously as possible. Where we cannot resolve your complaint there and then, however, we will write to you formally within 5 business days of the date of your complaint, confirming the facts as we understand them and informing you of the person within McCarthy Insurance Group who will manage the investigation of your complaint. We endeavour to investigate and resolve all customer complaints within 40 working days of receiving them. You will, in any event, be provided with a written update of the progress of your complaint every 20 working days. In the unlikely event that we have not completed our investigation within 40 working days, we will advise you in writing of the anticipated timeframe in which we foresee the investigation being concluded. Once our investigation has concluded, we will, within 5 working days, issue you with a letter setting out the results of our investigation and our final response to your complaint.

Data Protection Charles McCarthy Insurances Limited (“the Company”) is committed to complying with the requirements of the General Data Protection Regulation and the Irish Data Protection Act 2018. The Company is committed to protecting and respecting your privacy. We wish to be transparent on how we process your data and ensure you understand your rights as our client. The data will be processed only in ways outlined in our Privacy Notice. To see our Privacy Notice, please note that the same is on our website at www.mig.ie. We will ensure that this Privacy Notice is easily accessible. If it is not suitable to view on our website, please contact us and we will ensure you receive a copy by post. Please contact Danny O’Connell at (021) 4279999 or email [email protected] if you have any concerns about your personal data.

Call Recording McCarthy Insurance Group records all telephone calls, inbound and outbound, for regulatory, quality, training, and verification purposes. All data captured by these facilities are managed in accordance with the Data Protection Acts.