Terms & Conditions

Effective Date: January 1, 2025

Last Updated: January 1, 2025

Welcome to Cross Insurances. These Terms and Conditions ("Terms") govern your access to and use of our website at https://crossinsurances.com and our insurance intermediary services. By accessing our website or engaging our services, you agree to be bound by these Terms.

Please read these Terms carefully before using our services. If you do not agree with any part of these Terms, you must not use our website or services.

1. About Cross Insurances

Cross Insurances is an insurance and reinsurance intermediary registered and operating in Ireland under Registration Number 24742842. We are authorized and regulated by the Central Bank of Ireland to provide insurance intermediary services.

Business Address: 310 Ballyfermot Rd, Dublin 10, Ireland

Contact: Support@crossinsurances.com | (01) 626 3187

We specialize in insurance placement, reinsurance intermediary services, ancillary insurance products, risk assessment, and claims management for businesses and individuals throughout Ireland and internationally.

2. Services Provided

2.1 Insurance Intermediary Services

We act as an independent insurance intermediary, providing:

• Insurance needs assessment and risk analysis
• Access to insurance and reinsurance markets
• Policy comparison and recommendation services
• Negotiation of insurance terms and conditions
• Policy placement and administration
• Renewal management and ongoing policy reviews
• Claims assistance and advocacy

2.2 Reinsurance Intermediary Services

We provide specialized reinsurance intermediary services including:

• Reinsurance program design and structure
• Access to global reinsurance markets
• Treaty and facultative reinsurance placement
• Reinsurance contract negotiation
• Market relationship management

2.3 Advisory Services

We offer expert advisory services including:

• Risk management consulting
• Insurance portfolio optimization
• Market intelligence and trend analysis
• Regulatory compliance guidance

3. Client Relationship and Obligations

3.1 Client Duties

As a client, you agree to:

• Provide complete, accurate, and truthful information about risks to be insured
• Disclose all material facts that may affect insurance underwriting
• Respond promptly to requests for information or documentation
• Review all insurance documents carefully and notify us of any concerns
• Pay premiums and fees as agreed and by specified deadlines
• Notify us immediately of any changes affecting your insurance coverage
• Comply with policy terms, conditions, and warranty requirements
• Report claims promptly and cooperate in the claims process

3.2 Our Duties

Cross Insurances commits to:

• Acting with due skill, care, and diligence in your best interests
• Providing fair analysis of the insurance market
• Explaining insurance options, terms, and conditions clearly
• Placing your insurance with financially sound, appropriately authorized insurers
• Handling your information confidentially in accordance with our Privacy Policy
• Disclosing any conflicts of interest that may affect our advice
• Providing ongoing service throughout the policy period
• Advocating on your behalf in claims situations

3.3 Scope of Authority

Unless specifically agreed otherwise in writing, Cross Insurances is authorized to:

• Approach insurance markets on your behalf
• Negotiate terms and conditions with insurers
• Bind coverage subject to insurer confirmation
• Receive policy documents on your behalf
• Handle premium payments through our client account
• Submit claims notifications and documentation to insurers

4. Fees and Payment Terms

4.1 Remuneration

Cross Insurances is remunerated through:

• Commissions: Paid by insurance companies as a percentage of premiums
• Fees: Charged directly to clients for specific services (disclosed in advance)
• Profit Commissions: Performance-based compensation from insurers based on loss experience

Details of our remuneration structure for your specific insurance arrangements will be disclosed to you in accordance with regulatory requirements before services are provided.

4.2 Premium Payment

• Premiums are due when policies are bound unless credit terms are agreed
• Premium payments should be made to Cross Insurances' designated client account
• We will forward premiums to insurers within agreed timeframes
• Late payment may result in policy cancellation by insurers
• We reserve the right to charge interest on overdue amounts at the rate of 8% per annum

4.3 Refunds

Premium refunds for cancelled policies are subject to:

• Insurer terms and conditions, including minimum earned premiums
• Deduction of our earned fees and commissions
• Administrative charges where applicable
• Processing time as specified in our Refund Policy

5. Insurance Policy Terms

5.1 Policy Documents

Insurance policies are contracts between you and the insurance companies we place business with. Policy terms, conditions, exclusions, and limitations are determined by insurers, not by Cross Insurances. You must read all policy documents carefully and contact us immediately with any questions or concerns.

5.2 Coverage Limitations

Insurance policies contain exclusions, limitations, conditions, and warranties that may affect coverage. Common limitations include:

• Specific perils, circumstances, or losses excluded from coverage
• Deductibles or excesses that you must pay before coverage applies
• Policy limits capping the maximum amount payable
• Geographic limitations on where coverage applies
• Warranties requiring specific actions or conditions to be maintained

It is your responsibility to understand your policy terms and ensure coverage meets your needs.

5.3 Cooling-Off Period

For eligible insurance products under Irish and EU consumer protection regulations, you may have a statutory cooling-off period (typically 14-30 days depending on product type) during which you can cancel without penalty. Specific cooling-off rights are detailed in your policy documentation.

6. Claims Procedures

6.1 Claims Notification

In the event of a potential claim:

• Notify Cross Insurances and the insurer as soon as reasonably practicable
• Provide all requested information and documentation promptly
• Take reasonable steps to minimize loss or damage
• Cooperate fully with claims investigators and adjusters
• Do not admit liability without insurer consent
• Preserve evidence related to the claim

6.2 Claims Assistance

Cross Insurances will assist with:

• Claims notification and submission
• Preparation of claims documentation
• Communication with insurers and adjusters
• Advocacy for fair claim settlement
• Dispute resolution when necessary

6.3 Claims Decisions

Ultimate claims decisions, including coverage determinations and settlement amounts, are made by insurance companies based on policy terms and claims circumstances. Cross Insurances cannot guarantee claim outcomes but will advocate diligently on your behalf.

7. Liability and Indemnification

7.1 Limitation of Liability

To the fullest extent permitted by Irish law:

• Our liability for any claim arising from our services is limited to the amount of fees received for the specific matter
• We are not liable for consequential, indirect, or special damages
• We maintain professional indemnity insurance as required by regulation
• We are not liable for insurer insolvency, policy disputes, or coverage gaps unless resulting from our negligence

7.2 Force Majeure

Cross Insurances is not liable for failure to perform obligations due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, government actions, telecommunications failures, or other force majeure events.

7.3 Client Indemnification

You agree to indemnify Cross Insurances against claims, losses, or expenses arising from:

• Inaccurate or incomplete information you provide
• Your breach of these Terms or insurance policy conditions
• Your unlawful actions or negligence
• Third-party claims resulting from your instructions to us

8. Intellectual Property

All content on our website, including text, graphics, logos, images, software, and design elements, is the property of Cross Insurances or our licensors and is protected by Irish, European Union, and international copyright and intellectual property laws.

You may not:

• Reproduce, distribute, or create derivative works from our website content
• Use our trademarks, logos, or branding without written permission
• Scrape, data mine, or automatically extract information from our website
• Remove or alter copyright notices or proprietary markings

9. Website Use and Acceptable Conduct

9.1 Prohibited Uses

You agree not to:

• Use our website for any unlawful purpose
• Attempt to gain unauthorized access to our systems or networks
• Transmit viruses, malware, or harmful code
• Interfere with or disrupt website functionality
• Impersonate others or misrepresent your affiliation
• Harvest personal information about other users
• Use automated systems to access the website without permission

9.2 Website Availability

While we strive to maintain continuous website availability, we do not guarantee uninterrupted access. We reserve the right to suspend or modify website features for maintenance, updates, or other reasons without liability.

9.3 Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of external sites. Your use of third-party websites is at your own risk and subject to their terms and conditions.

10. Data Protection and Privacy

Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms part of these Terms. By using our services, you consent to our data processing practices as described in the Privacy Policy, available at https://crossinsurances.com/privacy-policy.html.

We comply with the General Data Protection Regulation (GDPR), the Data Protection Act 2018, and all applicable Irish and EU data protection laws.

11. Complaints and Dispute Resolution

11.1 Complaints Procedure

If you are dissatisfied with our services:

• Contact us in writing detailing your complaint to Support@crossinsurances.com
• We will acknowledge your complaint within 5 business days
• We will investigate thoroughly and provide a written response within 20 business days
• If you remain unsatisfied, you may escalate to our senior management

11.2 Financial Services and Pensions Ombudsman

If we cannot resolve your complaint to your satisfaction, you may refer the matter to:

11.3 Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of Ireland. Any disputes arising from these Terms or our services shall be subject to the exclusive jurisdiction of the Irish courts.

12. Termination

12.1 Termination by Client

You may terminate our services at any time by providing written notice. Termination does not affect:

• Insurance policies already in force (which continue per their terms)
• Fees owed for services provided before termination
• Our obligations regarding ongoing claims or policy matters

12.2 Termination by Cross Insurances

We may terminate our relationship with reasonable written notice or immediately if:

• You breach these Terms materially
• You fail to pay fees or premiums when due
• You provide false or misleading information
• Continuing the relationship would violate legal or regulatory requirements
• There is an irretrievable breakdown in our relationship

13. Changes to Terms

We reserve the right to modify these Terms at any time. Updated Terms will be posted on our website with a revised "Effective Date." Material changes will be communicated to active clients via email or other appropriate means.

Continued use of our services after Terms modifications constitutes acceptance of the updated Terms. If you do not agree to modified Terms, you must discontinue use of our services.

14. Regulatory Information

Cross Insurances is regulated by the Central Bank of Ireland under the European Union (Insurance Distribution) Regulations 2018 and other applicable financial services legislation.

Regulatory Authority:

15. General Provisions

15.1 Entire Agreement

These Terms, together with our Privacy Policy and any written service agreements, constitute the entire agreement between you and Cross Insurances regarding use of our website and services.

15.2 Severability

If any provision of these Terms is found invalid or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force.

15.3 Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

15.4 Assignment

You may not assign or transfer your rights or obligations under these Terms without our written consent. We may assign these Terms in connection with a merger, acquisition, or sale of substantially all our assets.

15.5 Language

These Terms are provided in English. If translated into other languages, the English version prevails in case of any discrepancies.

16. Contact Information

For questions about these Terms or our services, please contact us using the information above.