TERMS OF BUSINESS – EFFECTIVE FROM MAY 2024
Heffernan Insurances and Investments Limited T/A Heffernan Insurances, Nuova Insurances,
35 Morgan Street, Waterford City, Co. Waterford.
Phone: 051 871444  Fax: 051 87142   Email:insurance@heffernan.ie

This document sets out the basis on which Heffernan Insurances and Investments Limited t/a Heffernan Insurances, Nuova Insurances, will provide insurance services to you. It also contains details of our regulatory and statutory obligations and the respective duties of both the firm and you the customer relating to the provision and acceptance of these services. This is an important document so please read it carefully to enable you to decide if our services are right for you. If you have any questions, please contact any of our staff. If there are any material changes to the information in this document, you will be issued with a revised copy as soon as possible. This document takes effect from May 2024 or whenever it is received (whichever is later) and supersedes any terms of business agreement that may have been previously sent to you. We may choose to issue this document to you electronically, however, at all times you can request to receive a copy by post or at our office at 33 Morgan St Waterford. Your direction to bind cover and/or your payment related to your insurance placement will be deemed your signed, written agreement to be bound by the provisions of this Terms of Business Agreement. If there are any aspects you don’t understand or if you have any queries whatsoever, please contact us for clarification.

About Us
Heffernan Insurances and Investments Limited t/a Heffernan Insurances, Nuova Insurances, of 35 Morgan Street, Waterford and Top Floor, Chambers House, Ellison St, Castlebar Co Mayo specialise in the provision of Life, Pensions, Investments and General Insurance services to consumers. Heffernan Insurances and Investments Limited t/a Heffernan Insurances, Nuova Insurances is a member of Brokers Ireland.

Authorised Status:
Heffernan Insurances and Investments Limited t/a Heffernan Insurances, Nuova Insurances, is regulated by the Central Bank of Ireland (Our registration number is 2198) as an insurance intermediary registered under the European Union (Insurance Distribution) Regulations 2018. We are also authorised as an Investment Intermediary authorized under the Investments Intermediaries Act, 1995 .The firm is permitted to receive and transmit orders or units of shares in undertakings for collective investment in transferable securities within the meaning of the Regulations of 1989, units in a unit trust, other collective investment scheme instruments, or shares in a company which are listed on a stock exchange or bonds so listed or prize bonds, tracker bonds, insurance policies or Personal Retirement Savings within the meaning of the Pensions Act, 1990. Copies of our regulatory authorisations are available on request. The Central Bank of Ireland holds registers of regulated firms. You may contact the Central Bank of Ireland on 1890 777 777 or alternatively visit their website at www.centralbank.ie to verify our credentials.

Codes of Conduct:
Heffernan Insurances and Investments Limited t/a Heffernan Insurances, Nuova Insurances, is subject to and complies with the following Central Bank of Ireland Codes of Conduct: Consumer Protection Code, Minimum Competency Code, Handbook of Prudential Requirements for Investment Intermediaries and Fitness & Probity Standards. These codes offer protection to consumers and can be found on www.centralbank.ie

Services:
The firm offers advice in relation to all aspects of life assurance products (Term Cover and Serious Illness Cover) and General Insurance. We also transmit orders on client’s behalf to any of the insurance undertakings or product producers from whom the Company hold letters of appointment. Heffernan Insurances is an impartial Insurance Broker. As an impartial Insurance Broker we are in a position to place your business with a wide range of product producers. Depending on your instructions we can advise you in relation to the products of the Insurance Companies and Product Producers with whom we hold agency and we will work on your behalf to negotiate competitive renewal terms on your insurance cover. Our principal business is to provide advice and arrange transactions on behalf of clients in relation to life & pensions and general insurance products. A full list of insurers, product producers and lending agencies with which we deal is available on request.

Fair and Personal Analysis
The principal regulated activities of the firm are transacted on the basis of a fair and personal analysis of the market, i.e., we provide advice to our clients on the basis of a sufficiently large number of contracts and providers available which will enable us to make a recommendation in accordance with accepted professional criteria. In this regard we consider the following criteria:

• The needs of the customer;
• The size of the order;
• The number of providers in the market that deal with brokers;
• The market share of each of those providers;
• The number of relevant products available from each provider;
• The availability of the information about the products;
• The quality of the product and service provided by the provider;
• Cost and any other relevant consideration.

Completed proposal forms/statement of fact
Completed proposal forms or Statements of Facts will be provided to you. These are important documents as they form the basis of insurance contract between the insurer and you the consumer. You should review and confirm that the answers contained within are true and accurate.

Regular Reviews
It is in your best interests that you review, on a regular basis, the products which we have arranged for you. As your circumstances change, your needs will change. You must advise us of those changes and request a review of the relevant policy so that we can ensure that you are provided with up to date advice and products best suited to your needs. Failure to contact us in relation to changes in your circumstances or failure to request a review, may result in you having insufficient insurance cover and/or inappropriate investments.
any material information to your insurers could invalidate your insurance cover; all/or part of the claim may not be paid.

Life & Pensions
Heffernan Insurances & Investments Ltd t/a Heffernan Insurance, Nuova Insurances, can provide advice on and arrange products from the following range: life cover, serious illness cover, income protection, savings, investments and pensions. With your agreement, we may review the policies you take out on a periodic basis to ensure that you are kept informed as to their benefits and to check whether they are still suitable for your needs. We will provide assistance to you for any queries you may have in relation to the policies, or in the event of a claim during the life of the policies and we will explain to you the various restrictions, conditions and exclusions attached to your policy. It is however, your responsibility to read the policy documents, literature and brochures to ensure that you understand the nature of the policy cover, particularly in relation to PHI and serious illness policies. Specifically on the subject of permanent health insurance policies we will explain to you; a) the meaning of disability as defined in the policy; b) the benefits available under the policy; c) the general exclusions that apply to the policy; and d) the reductions applied to the benefit where there are disability payments from other sources. For a serious illness policy we will explain clearly to you the restrictions, conditions and general exclusion that attach to that policy.
We are remunerated by commission for the advice we provide on our insurance cases investment products. We provide life assurance and pensions on a fair and personal analysis basis i.e. providing services on the basis of a sufficiently large number of contracts and product producers available in the market to enable us to make a recommendation, in accordance with professional criteria, regarding which contract would be adequate to meet your needs. We are remunerated by commission and other payments from product producers or lenders on the completion of business.

Insurance Based Investment Products
We are remunerated by commission for the advice we provide on our insurance cases investment products. We will provide periodic assessments of the suitability of the insurance based investment product which we have recommended to you.

Non-Life
As an Insurance Intermediary, the firm can provide advice on and arrange products from the following range: household, motor, commercial, public liability, employers liability, travel insurance, health insurance and personal accident. We will also offer assistance to you in relation to processing claims on policies taken out with us and in seeking renewal terms for your cover.

Receive & Transmit Orders
We can receive and transmit orders, on your behalf, for products from each insurance company or financial services provider (Product Producer) with whom we hold an agency. A list of our current product producers is available on request from our office. To ensure continuity of cover, where you have an existing policy which is due to expire and where we have been unable to contact you, we may put continuing cover in force whilst awaiting your instruction. You will be liable for any premiums payable to the relevant insurer for the period of time between renewal and when we receive your instruction. You have the right not to avail of this service.

Remuneration Policy/Commissions and Fees
We are remunerated by commission paid to us by Product Producers on placing of your insurance business with them. This commission compensates us for the work involved in placing an order and finalizing the product with them on your behalf. The amount of commission earned will vary greatly depending on the product type and the product producer. We may also opt to charge a fee in certain circumstances.

A summary of the details of all commission paid or provided to us which we have agreed with our product producers is available on the website.

A schedule of our fees is below.Please note that these fees are non-refundable. Customers also have the option of paying solely by fee if so desired. In this instance, the amount of any commission received will be deducted from the fee. We will disclose the commission payable from the insurance company upon request. The actual fee amount charged will be shown separately on our quotation and invoice documentation or another durable medium. If charges cannot be ascertained in advance, we will notify you that these will be levied as part of the transaction. In the event of advice being offered or services provided to clients for which we are not remunerated by commission in the normal way from insurance companies, we would agree a fee in advance of the transaction.

Fees & Charges

The firm is remunerated by a Professional Fee paid directly by the client for work carried out on the client’s behalf. A Professional Fee may be charged by us for:

• The initial work and time spent in seeking the best terms, advice, product and product producer for your specific needs.
• The work carried out on the renewal of your policy, ensuring that the policy/policies recommended to you are suitable for your needs.
• Alterations, amendments and endorsements to your policy.
• Processing a policy cancellation or a policy suspension.
• Duplicate documentation requested by you.
• Insurance consultancy work, including risk management advice and surveys.
• Administration work on payment defaults, including Direct Debit defaults, bounced cheques etc.
• Claims handling assistance and general insurance advice.
• Any other activity detailed in this Terms of Business.
• Professional Fees – non-refundable Professional Fees remunerate us for time spent working on behalf of the client.

Schedule of Fees and Charges (Please note that these are non-refundable)

Third Party Charges
We may source your insurance requirements through a managing agent/wholesale broker who may charge for their services. Such charges will be disclosed on your invoice, policy document or renewal notice.

The firm will accept payments in cash, by credit / debit card, by bank draft and by cheque from clients in respect of all classes of Insurance in the circumstances permitted under Section 25G of the Investment Intermediaries Act, 1995. Payments must represent premium in respect of either a renewal of a policy, which has been invited by an insurance undertaking or a product producer or a proposal accepted by an insurance undertaking or product producer. Where applicable fees are charged on a time spent / disbursement basis and our current standard hourly rates are €75-€150 for Advisors and €30-€50 for support staff. Additional fees may be payable for complex cases or to reflect value, specialist skills or urgency. In the event of cancellation of a policy we do not return any commissions or fee that have been paid. Return premiums generated will be issued to client less the appropriate fee calculated on a percentage or pro rata basis in accordance with the arranged structure at inception with the underwriter concerned. Heffernan Insurances and Investments Limited is not authorised to accept cash or negotiable instruments as payment for insurance policies in any other circumstances. In compliance with Central Bank legislation, Heffernan Insurances and Investments Limited cannot pay insurance premiums to Product Producers, where payment has not been received from clients. Insurance premiums must be paid by the policy inception date outlined on your invoice or the renewal date appearing on your renewal notice, as applicable. Full details of our commission arrangements are available on our website:
https://heffernan.ie/wp-content/uploads/documents/Heffernan%20Insurances%20Commission%20info.pdf

Premium Finance
If you require credit terms, we may be able to arrange premium finance on your behalf. This Credit is offered at the discretion of Heffernan insurances, Nuova Insurances and we reserve the right to withdraw/refuse finance in the event of multiple defaults or cancellation of the finance loan. Alternatively a monthly direct debit facility (if available) may be operated by the Insurance Company. We cannot accept instalments paid to our office.

Solvency of Insurers
In selecting an Insurer, a wide variety of factors are taken into account including the financial status of the Insurer in question. We do not guarantee nor make representations in regard to, and expressly disclaim responsibility for the financial security of Insurance Companies and Product Producers with which we place business.

Conflict of Interest Policy
It is the policy of the firm 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 in writing before proceeding to provide any business service.

Default on Payments/and/or cancellation
You, the customer can cancel your policy at any time by giving notice in writing subject to the terms and conditions of the applicable policy. If you cancel your policy outside the cooling-off period short term rates or minimum and deposit premiums may apply. We also reserve the right to instigate cancellation in the event of the following:

• Your non-payment of the premium due at inception, renewal or following an alteration;
• Your bank returns your cheque due to insufficient funds or any other reason;
• Direct Debit default;
• Non-disclosure of relevant information;
• Provision of incorrect or inaccurate information;
• Non-return of necessary documentation within the required timeframe;
• In respect of policies financed through a credit agreement with premium finance companies please note that your insurance company may begin cancellation proceedings once the second default occurs and your policy may be cancelled 10 days after the date of the second default;
• Product producers may withdraw benefits or cover too in the event of default on payments due under policies of insurance or other products arranged by you. We would refer you to policy documents or product terms for the details of such provisions;

The firm will, if necessary exercise its legal rights to receive any payments due to it from clients for business services provided by it and, to be reimbursed for any value obtained by the firm on behalf of clients who subsequently default in any payment due to the firm. Product producers may withdraw benefits or cover on default of any payments due under any products arranged for your benefit. Details of these provisions will be included in your product terms and conditions.

Receipts
Heffernan Insurances & Investments Ltd t/a Heffernan Insurances, Nuova Insurances, will issue receipts for each payment received pursuant to Section 30 Investment Intermediaries Act, 1995.

Complaints
Any complaint which you may wish to make against our firm, relating to services provided, may be made orally and/or in written form. We will acknowledge your complaint within 5 business days and investigate it fully. On completion of our investigation, we will provide you with a report of the outcome. In the event that you are still dissatisfied with our handling of, or response to your complaint, you are entitled to refer the matter to the Financial Services and Pensions Ombudsman (FSPO). A full copy of our complaints procedure is available on request.

Investor Compensation Scheme
We are members of the Investor Compensation Scheme. The Investor Compensation Act, 1998 provides for the establishment of a compensation scheme and the payment, in certain circumstances, of compensation to certain clients (known as eligible investors) of authorised investment firms, as defined in that Act. The Act provides that compensation shall be paid to eligible investors (as defined in the Act) to the extent of 90% of an investor’s net loss or €20,000, whichever is the lesser and is recognised as being eligible for compensation.

We also hold Professional Indemnity Insurance for your protection.

Brokers Ireland Compensation Fund
We are also members of the Broker’s Ireland Compensation Fund. Subject to the rules of the scheme the liabilities of its members firms up to a maximum of €100,000 per client (or €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 Investor Compensation Scheme has failed to adequately compensate any client of the member. Further details are available on request.

Duty Of Disclosure By Non-Consumer Commercial Clients (Turnover of €3m or more in the previous financial year)
You have a duty to disclose all material facts to insurers when arranging an insurance policy, throughout the life of that policy and when you are renewing it. Material facts are information that would influence a decision by an insurer whether to accept a risk and if so, on what premium and terms (e.g. are all previous claims disclosed, accidents, incidents, convictions, license endorsements, un-occupancy of a property, medical history, lifestyle questions on assurance proposal forms, change in circumstances such as name, address, etc.). In the event of non- disclosure an insurer has the right to cancel your insurance from inception and claims under your policy may not be met. Failure to make full disclosure may also cause difficulty for you trying to purchase insurance elsewhere. In the case of property insurance, the failure to have property insurance in place could lead to a breach of the terms and conditions attaching to any loan secured on that property. If you are in any doubt as to whether or not information is material, then it should be disclosed.

Consumer Insurance Contracts Act 2019 Information. Who is a Consumer?
Consumers are defined in the Act as natural persons and sole traders / partnerships / corporate entities with an annual turnover of €3m or less in the previous financial year. Non-Consumer Commercial Clients (as noted above) have no duties and rights under the Act and therefore the following sections do not apply to them.

Duty Of Disclosure By Consumers
Section 14 (1) – (5) of the Act which is effective from 1st September 2021 alters consumer’s duty of disclosure:

You are under a duty to answer all questions that have been asked, honestly and with reasonable care and attention. You are not under any duty to volunteer any information over and above what is asked in these questions. The questions we ask are material to the risk to be undertaken by the relevant insurer, or the calculation of the premium by the relevant insurer, or both. If you do not answer these questions honestly and with reasonable care and attention, the relevant insurer may use the remedies available to them, including any remedies under the Act (and any subsequent amending legislation) which may include the remedy to cancel the contract, reject a claim or to limit the amount they pay in the event of a claim.

Specific questions will be asked. Where you do not provide additional information (after being requested to do so) it can be presumed that the information previously provided remains unchanged.

Post-Contract Stage & Claims
If, in respect of the insurance contract the insurer is not obliged to pay the full claim settlement amount until any repair, replacement or reinstatement work has been completed and specified documents for the work have been furnished to the insurer, the claim settlement deferment amount cannot exceed:

• 5% of the claim settlement amount where the claim settlement amount is less than €40,000, or
• 10% of the claim settlement amount where the claim settlement amount is more than €40,000.

An insurer may refuse a claim made by a consumer under a contract of insurance where there is a change in the risk insured, including as described in an “alteration of risk” clause, and the circumstances have so changed that it has effectively changed the risk to one which the insurer has not agreed to cover.

Any clause in a contract of insurance that refers to a “material change” will be interpreted as being a change that takes the risk outside what was in the reasonable contemplation of the contracting parties when the contract was concluded.

The consumer must cooperate with the insurer in an investigation of insured events including responding to reasonable requests for information in an honest and reasonably careful manner and must notify the insurer of the occurrence of an insured event in a reasonable time.

The consumer must notify the insurer of a claim within a reasonable time, or otherwise in accordance with the terms of the contract of insurance.

If the consumer becomes aware after a claim is made of information that would either support or prejudice the claim, they are under a duty to disclose it. (The insurer is under the same duty).

If the consumer makes a false or misleading claim in any material respect (and knows it to be false or misleading or consciously disregards whether it is) the insurer is entitled to refuse to pay and to terminate the contract.

Where an insurer becomes aware that a consumer has made a fraudulent claim, they must notify the consumer advising that they are avoiding the contract of insurance. It will be treated as being terminated from the date of the submission of the fraudulent claim.

The insurer may refuse all liability in respect of any claim made after the date of the fraudulent act, and the insurer is under no obligation to return any of the premiums paid under the contract.

New Business & Renewal
A consumer may cancel a contract of insurance, by giving notice in writing to the insurer, within 14 days after the date the consumer was informed that the contract is concluded. The insurer cannot impose any costs on the consumer other than the cost of the premium for the period of cover.
The consumer is under a duty to pay their premium within a reasonable time, or otherwise in accordance with the terms of the contract of insurance.
A court of competent jurisdiction can reduce the pay-out to the consumer where they are in breach of their duties under the Act, in proportion to the breach involved.

Post-Contract Stage and Claims
If, in respect of the insurance contract the insurer is not obliged to pay the full claim settlement amount until any repair, replacement or reinstatement work has been completed and specified documents for the work have been furnished to the insurer, the claim settlement deferment amount cannot exceed
5% of the claim settlement amount where the claim settlement amount is less than €40,000, or
10% of the claim settlement amount where the claim settlement amount is more than €40,000.

An insurer may refuse a claim made by a consumer under a contract of insurance where there is a change in the risk insured, including as described in an “alteration of risk” clause, and the circumstances have so changed that it has effectively changed the risk to one which the insurer has not agreed to cover. Any clause in a contract of insurance that refers to a “material change” will be interpreted as being a change that takes the risk outside what was in the reasonable contemplation of the contracting parties when the contract was concluded. The consumer must cooperate with the insurer in an investigation of insured events including responding to reasonable requests for information in an honest and reasonably careful manner and must notify the insurer of the occurrence of an insured event in a reasonable time.

The consumer must notify the insurer of a claim within a reasonable time, or otherwise in accordance with the terms of the contract of insurance. If the consumer becomes aware after a claim is made of information that would either support or prejudice the claim, they are under a duty to disclose it. (The insurer is under the same duty).
If the consumer makes a false or misleading claim in any material respect (and knows it to be false or misleading or consciously disregards whether it is) the insurer is entitled to refuse to pay and to terminate the contract.
Where an insurer becomes aware that a consumer has made a fraudulent claim, they must notify the consumer advising that they are avoiding the contract of insurance. It will be treated as being terminated from the date of the submission of the fraudulent claim. The insurer may refuse all liability in respect of any claim made after the date of the fraudulent act, and the insurer is under no obligation to return any of the premiums paid under the contract.

Sustainability Disclosure Financial Regulations
In accordance with the Sustainable Finance Disclosure Regulation (‘SFDR’), we inform you that when providing advice on insurance-based investment products/Investments, we do not assess, in addition to relevant financial risks, relevant sustainability risks as far as this information is available in relation the products proposed/advised on. This means that we do not assess environmental, social or governance events/conditions that, if they occur, could have a material negative impact on the value of the investment.

When providing advice on insurance-based investment products (‘IBIPs’) or investment advice we do not consider the impacts of our advice that result in negative effects on sustainability factors (namely environmental, social and employee matters, respect for human rights, anti-corruption and anti-bribery matters), because currently there is limited relevant products on the market which meet these criteria. The area of sustainability is relatively new and as the issue progresses, we will review our position. We have not assessed the likely impacts of sustainability risks on the returns of Investment/Pensions since we have not been able to identify any sustainability risks that are relevant. We will review this approach on an annual basis.

Anti-Money Laundering and Counter Terrorist Financing
The Firm reserves the right to request information which it reasonably believes it needs to know in order to comply with the Criminal Justice (Money Laundering and Terrorist Financing) Act 2010 as amended. From time to time, we may ask customers to confirm (or reconfirm) their identity in order to comply with the Anti-Money Laundering requirements. Any suspicious transactions will be reported to the Gardai and Revenue Commissioners in line with our regulatory obligations.

Sanctions and/or embargoes
If sanctions and/or embargoes are imposed by Governments, and/or banks elect not to handle insurance transaction monies in respect of various countries or persons in such countries, this may restrict the provision of insurance cover, services that can be provided or the movement of monies under such cover.

It is the responsibility of all firms to comply with relevant sanctions legislation, and we expect all customers to comply with the requirements of any sanctions legislation that may apply to them.

As part of this, we expect all customers to fully disclose any exposure they are aware of, or that they may become aware of from time to time relating to either sanctioned persons, locations or goods where it may have an impact on our business.
In performing our duties, following from the above, we may have to:

1. advise you that our bank(s) have elected not to handle monies relating to your transaction which will prevent the provision of cover and related services;
2. suspend any movement of funds until a relevant governmental body confirms that no sanctions/embargoes have been breached and/or a licence can be issued by the relevant authority; and
3. advise you that some insurers may seek to cancel cover if they believe there has been a sanctions/embargo breach.

We will use reasonable endeavours to warn you should we become aware that an issue may impact upon the insurance we place on your behalf or restrict the payment of any premiums or claims.

Data Protection
As a broker firm, Heffernan Insurances & Investments Ltd t/a Heffernan Insurances, Nuova Insurances, is designated as a Data Controller, Joint Controller and Data Processor. The firm complies with the requirements of the General Data Protection Regulation 2018 and the Irish Data Protection Act 2018. We collect your personal details in order to arrange life and general insurances contracts on your behalf. Any personal data you provide to us will be treated as private and confidential, held securely and in accordance with current Data Protection law. We may need to collect sensitive personal information relating to you and anyone else to be named on your policy and/or residing in your household in order to process your order e.g. convictions, penalty points, medical conditions. We will be required to disclose your personal details in the following circumstances:
(i) where it is necessary to do so in order to provide our services to you (this might involve us disclosing information which you consider confidential or sensitive to insurers, premium finance companies and other product producers);
(ii) to the extent we are required to do so by law or a regulator; or

(iii) at your request or with your consent. By agreeing to these Terms of Business you authorise Heffernan Insurances & Investments Ltd to control and process your personal data.

The firm is 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 Protection Privacy Notice. For full details of our data protection policy please refer to our Data Protection Privacy Notice. Our Privacy Notice is available to view on our website via the below link:

If this medium is not suitable and or available to you please contact us and we will issue a paper copy of the document for your perusal.
Should you have any concerns regarding the use of your personal data or any further data protection queries, please contact our data protection officer via email at ray@heffernan.ie or via post. Letters may be addressed to Ray Heffernan, Heffernan Insurances & Investments Ltd , t/a Heffernan Insurances, Nuova Insurances, at 35 Morgan Street, Waterford City, Co Waterford.

Handling Client Money
We accept payments in respect of all classes of insurances where an insurer/product provider has invited renewal of a policy or accepted a proposal for insurance. We cannot payment in any other circumstances. For certain products we may request that all payments are made payable to the provider of the product in question. Before your money is paid over to the relevant insurer/product provider it will be held in a designated Client Premium Account. A receipt will be issued for all monies paid and you should keep these in a safe place. Customers must pay at inception date of a contract or on or before renewal date, or as invoiced in the case of mid-term alterations. We cannot pay a premium where the customer has not paid us. Product providers may cancel cover where a customer has failed to meet their obligations in relation to payment terms and conditions.

Once a premium is paid to us and you have been provided with a receipt, these monies are deemed to have been paid to the insurer/product providers in question which gives comfort to our customers.

PAYMENT METHODS
We accept payments by the following methods:

1. Credit or Debit Card:
   Please contact our office with your card details. We will need the long 16 digit number on the front of the card, the expiration date of the card and the 3 digit security code from the reverse of the card.
2. Personal Cheques, Bank drafts & Postal Orders
   Please post any payments in the form of Cheque, Bank Draft or Postal Order made payable to Heffernan Insurances, Nuvoa Insurances to the following address:
   Heffernan Insurances,
   35 Morgan Street,
   Waterford.
   *Please write your Customer Reference on the rear of Cheque/ Draft/ Postal Order
3. Bank Transfer:
   Please arrange transfer of payment to the following bank account.
   Sort Code: 90-61-95
   Branch: Bank of Ireland Waterford City
   A/C Name: Heffernan Insurances Client Account (name of client account with Nuvoa?)
   A/C No: 64752172
   IBAN: IE48BOFI90619564752172
   BIC: BOFIIE2D
   *Please include your Customer Reference in the Narrative.