Fees, Charges and Commission

When you buy or renew an insurance policy, the insurer pays Aviva Direct Ireland Limited a commission. This is already included in the price of your policy - there’s no extra cost added.

Commission helps cover the work we do for you, including:

• Understanding your needs
• Comparing options and recommending suitable cover
• Setting up your policy
• Providing ongoing support, such as answering queries, issuing documents, and maintaining online services

General insurance (car, home, etc.)

We receive a commission from the insurer when your policy starts and at each renewal. This supports the cost of setting up and managing your policy.

Life, pensions & investments

For life, pension, and investment products, we receive commission for helping you set up your policy and for the ongoing support provided throughout its lifetime.

Types of commission

Important: We are not required to place a minimum amount of business with any insurer.

We want you to understand clearly when fees might apply and how you can reduce or avoid them.

Administration fees

General insurance

If you make a change to your policy, a €25 administration fee applies.

This fee helps cover the cost of processing the update.

• One fee applies per policy change
• Payable upfront by card
• Separate from any premium increase the insurer may apply

Life, pensions & investments

No administration fees apply when you amend these types of policies.

How to avoid the administration fee

You won’t be charged the €25 fee if you make the change online.

Premium adjustments (general insurance)

If a change to your car or home insurance affects your premium:

• No charge applies for increases in premium under €20
• No refund is issued for premium decreases under €20

These small adjustments help keep costs simple and manageable.

Service charge

General insurance

If you pay your car or home insurance premium by direct debit, a 7% service charge is added. This helps cover the cost of managing the direct debit facility. This 7% service charge is payable to Aviva Direct Ireland Limited.

Life, pensions & investments

No service charge applies on direct debit payments - these are handled directly by the insurer.

If premiums are not paid (general insurance)

If your premium is not paid, we must notify the insurer. They may cancel your policy in line with its terms and may recover payment for the period you were covered.

Commission arrangements with insurers

Details of our commission arrangements are available for information. For life, pension, and investment products, your documentation will always show the commission that applies to your policy.

Aviva Insurance Ireland DAC / Chubb European Group SE

Other services*

^{*Aviva Direct provide services to other intermediaries within the Irish insurance market. These services may include the placement of insurance business with product producers with whom Aviva Direct hold an agency appointment. See our 'Terms of Business' for more details.}

^{The clawback period is up to 2 years}

^{The clawback period is up to 6 years on the regular premium products, early encashment charges of up to 5% on single premium products.}