Phone: 046 9022467 (Monday to Thursday - 9am to 5.15pm, Friday - 9am to 5pm)


Terms of Business

These terms of business set out the basis on which M.J. Kelleher & Sons (Dundalk) Ltd., will provide business services to you as a client of the firm. They also contain details of our regulatory and statutory obligations and the respective duties of both the firm and you in relation to such services.

M.J. Kelleher & Sons (Dundalk) Ltd is a member of the Brokers Ireland.

Authorised Status

M.J. Kelleher & Sons (Dundalk) Ltd., t/a Kelleher Insurances “the company” is regulated by the Central Bank of Ireland, we are registered as an Insurance Intermediary under the European Communities (Insurance Mediation) Regulations 2005 (as amended). We are also authorised as an Investment Business Firm under Section 10 of the Investment Intermediaries Act 1995 (as amended). Copies of our various authorisations are available on request. Our authorisations can be verified by contacting the Central Bank of Ireland on 1890 77 77 77 or via their website M.J. Kelleher & Sons (Dundalk) Ltd., is also regulated by the National Consumer Agency as a Credit Intermediary.

Services Provided

We will offer broad based advice on a fair analysis basis in relation to all classes of Non-Life and Life Insurance Policies, Pensions and Investments. As a Credit Intermediary the firm can arrange personal loans e.g. premium and car finance. We will identify and select a suitable product producer and on receipt of your instructions we will transmit orders on your behalf to one or more product producers (a list of which is available on request).

This firm does not have ‘tied’ relationship with any institution that would compromise our ability to offer you impartial advice and choice. We offer advice on a fair analysis of the market with exception of Travel, Wedding and Pet Insurance which we offer advice on a limited analysis of the market.

Conflict of Interests

It is the policy of M.J. Kelleher & Sons (Dundalk) Ltd., to avoid any conflict of interest when providing business services to its clients. However, where an unavoidable conflict may arise we will advise you of this before proceeding to provide any business service. If you have not been advised of any such conflict you are entitled to assume that none arises.

Premium Handling

M.J. Kelleher & Sons (Dundalk) Ltd., will accept payments in cash, by cheque and by credit/debit card in respect of all classes of insurance in the circumstances permitted under Section 25G of the Investment Intermediaries Act, 1995.

M.J. Kelleher & Sons (Dundalk) Ltd., is not authorised to accept cash or negotiable instruments in any other circumstances. Premiums are due on / or before renewal / inception date. Under the Central Bank of Ireland legislation very strict rules apply in the payment of premiums to Insurance companies. We will not be able to pay premiums to insurers which have not been received from clients. Therefore, to avoid policy cancellation, premiums must be paid strictly within the credit terms, if agreed, otherwise immediately prior to cover incepting.

Cancellation / Cooling off Period

A consumer (as defined by SI No. 853 of 2004) has the right to withdraw from an insurance policy (as defined under SI No. 853 of 2004) within 14 days of the start date of the policy without penalty and without giving any reason – this is known as the Cooling Off period. The right of withdrawal may be exercised by notice in writing to M.J. Kelleher & Sons (Dundalk) Ltd., 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. If the cover is motor insurance the premium cannot be refunded until the Certificate of Insurance and Windscreen Disc have been received by M.J. Kelleher & Sons (Dundalk) Ltd.

You, the customer can cancel your policy by notice in writing at any time. Provided that all reasonable charges pertaining to costs incurred by M.J. Kelleher & Sons (Dundalk) Ltd., 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 unless the policy is on a minimum and deposit basis, and if this is the case, no return will be allowed on the policy and this will be noted on your policy schedule. If you cancel during the first year (outside of the Cooling Off period) short term rates apply, please see policy terms and conditions. In the case of cancellation of motor insurance you must return the Certificate of Insurance and Windscreen Disc to M.J. Kelleher & Sons (Dundalk) Ltd. Insurance companies normally reserve the right to cancel policies at any time by giving appropriate notice to your last known address. Please refer to your policy terms and conditions.

Disclosure of Information

Any failure to disclose material information may invalidate your claim and render your policy void.

Complaints Procedure

The company has a written procedure in place for the effective consideration and handling of complaints. Any complaints should be addressed in writing to Clive Kelleher, Managing Director, M.J. Kelleher & Sons (Dundalk) Ltd. Each complaint will be acknowledged by us within 5 working days of receipt, updates will be advised in intervals of not more than 20 working days, we will endeavour to resolve the complaint within 40 business days and findings will be furnished to you within 5 working days of completion of the investigation. In the event that you are not entirely satisfied with the firms handling of and response to your complaint, contact may be made with the Irish Brokers Association, 87 Merrion Sq, Dublin 2 and ultimately you have the right to complain to the Financial Services Ombudsman, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2.

Investor Compensation

Investor Compensation Company Ltd (ICCL) Scheme M.J. Kelleher & Sons (Dundalk) Ltd., is a member of the Investor Compensation Company Ltd (ICCL) Scheme established under the Investor Compensation Act, 1998. The legislation provided for the establishment of a compensation scheme and to the payment in certain circumstances, of compensation to certain clients of firms (known as eligible investors) covered by the Act. However, you should be aware that a right to compensation would only arise where client money or investment instruments held by this company on your behalf cannot be returned, either for the time being or for the foreseeable future, and where the client falls within the definition of eligible investor as contained in the Act. In the event that a right to compensation is established, the amount payable is the lesser of 90% of the client’s loss, which is recognised as being eligible for compensation, or €20,000.

Brokers Ireland Compensation fund

As a member of Brokers Ireland (BI), M.J. Kelleher & Sons (Dundalk) Ltd., is also a member of the Brokers Ireland Compensation Fund Ltd. Subject to the rules of the scheme the liabilities of its member firms up to a maximum of €100,000 per client (€250,000 in aggregate) may be discharged by the Fund on its behalf if the member firm is unable to do so, where the above detailed ICCL (established by law) has failed to adequately compensate any client of the member.

remuneration and fees

Scale of fees

Initial Fee Renewal Policy Alteration
Travel Up to a max of €35 Up to a max of €35 Up to a max of €35
Private Motor per vehicle Up to a max of €68 Up to a max of €68 Up to a max of €55
House per location Up to a max of €55 Up to a max of €55 Up to a max of €55
other Personal Insurance Up to a max of €90 Up to a max of €90 Up to a max of €90
Commercial including commercial motor. Up to a max of 25% and a minimum €40 Up to a max of 25% and a minimum €40 Up to a max of 25% and a minimum €40


We reserve the right to amend these fees should the product require a higher fee. We will confirm and supply to you in writing this amended fee. Any percentage fee applied shall be based on the premium inclusive of government levy. M.J. Kelleher & Sons (Dundalk) Ltd., may apply an administration charge of up to and including 4% for any finance facility arranged. Business Credit Cards will incur a 2% handling fee. No charges apply to Personal Credit, Debit or Laser Cards.

A fee of €20 will be charged for all duplicate documentation.

Life, Pensions & Investments

We are remunerated by both commission and or fees. This service can be provided on a fee only basis if desired. Fee based structure: Consultant / Director Fees €250.00 per hour. Support & Administration Staff fees €75.00 per hour. Summary details of these payments will be included where appropriate, in product information document in relation to insurance products.

failure to pay or default

We reserve the right to instigate cancellation proceeding in the event of the following:

Your insurer may cancel your policy in certain circumstances. These conditions are clearly outlined on all policy documents. When your policy ends or is cancelled, we will send you any documentation and information that you are entitled to on request.

Data Protection

M.J. Kelleher & Sons (Dundalk) Ltd., complies with the requirements of the General Data Protection Regulation 2018 and the Irish Data Protection Act 2018

We are committed to protecting and respecting your privacy. We wish to be transparent on how we process your data and show you that we are accountable with the GDPR in relation to not only processing your data but ensuring you understand your rights as a client. The data will be processed only in ways compatible with the purposes for which it was given and as outlined in our Data Privacy Notice, this will be given to all our clients at the time of data collection.

We will ensure that this Privacy Notice is easily assessable. Please refer to our website policy/ if this medium is not suitable we will ensure you can easily receive a copy by; hard copy or soft copy.

Please contact us at if you have any concerns about your personal data.

Here at Kelleher Insurances we take your data protection seriously and will only use your data as discussed with you in our privacy statement. However, from time to time we may wish to contact you in relation to Competitive Rates on General Insurance Products, Life, Investment and Pensions or a competition we may run on Social Media.

for marketing preferences – please advise to agreed methods of contact;

email Phone SMS Post fax Please do not contact me

Signed: ………………………………………………………………………………………. Date: ………../ ………../ ………..

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