Terms and Conditions

Your access to and use of this website is subject to the terms and conditions as set out below. These terms and conditions are important – please take time to read them carefully. Your use of this website shall be deemed as acceptance of the terms and conditions. If you do not accept these terms and conditions, you may not use this website. This website, www.Actualinsurances.ie, is operated by Actual Insurances. UR Insurances(Europe)Ltd t/a Actual Insurances is regulated by the Central Bank of Ireland. The company is registered in Ireland Number 548913 and its registered office is, Actual Insurances, Tipperary Technology Park, Rosanna Rd, Tipperary Town, Co. Tipperary. UR Insurances(Europe)Ltd t/a Actual Insurances is regulated by the Central Bank of Ireland.


This website is available only to persons who can form legally binding contracts under the applicable law. This website is not available to persons not ordinarily resident in the Republic of Ireland. If you do not qualify, you may not use this website. Actual Insurances may refuse to deal with anyone at any time at its sole discretion. You will not use this website for any illegal or unlawful purpose or for any purpose that is prohibited by these Terms & Conditions. You may not attempt to gain unauthorized access to the website or any computer systems and networks connected to the website through hacking, password miming of any other means.


While Actual Insurances makes every effort to ensure that the information appearing on this website is accurate and complete, it makes no representations or warranties that this is the case. Your use of this website is at your own risk. Actual Insurances expressly disclaims all warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose and non-infringement. Actual Insurances may make changes to the site and to the materials, products, programs, services or prices described in the site at any time without notice. Information provided does not qualify as financial or other advice. This clause does not affect your statutory rights. Actual Insurances accepts no liability for any direct, indirect or consequential loss or damage resulting from the use of, action taken in reliance on information contained in or the unavailability of this website, the services thereon.

Governing law and jurisdiction

This website is intended solely for the use of residents of the Republic of Ireland. These terms and conditions will be governed by Irish law. This website is established in the Republic of Ireland and in the event of any dispute; all parties shall be bound exclusively by the jurisdiction of the Irish courts.


Actual Insurances makes no representations as to the accuracy or completeness of websites accessible from this website. Actual Insurances accepts no liability for the contents of such sites and the user enters such sites at their own risk.

Intellectual Property Rights

The Intellectual Property Rights in data or materials used by Actual Insurances and utilised on this website shall remain or upon their creation become vested in Actual Insurances. The Intellectual Property Rights of third parties in data or materials accessible via or on the website shall remain vested in them. All rights are reserved except the individual sections on the site may be downloaded or printed solely for personal private use. Downloading or printing for any other use without the written permission of Actual Insurances is prohibited. It is not permitted to modify, decompile, disassemble or transmit any information from this website without the prior written permission of Actual Insurances.


Actual Insurances reserves the right, at its sole discretion, to change, modify, add or remove any part of these Terms & Conditions in whole or in part, at any time. Changes in these terms and conditions will be effective when notice of such change is posted. Your continued use of this site after any changes are posted will be considered acceptance of those changes. Actual Insurances may terminate, change, suspend or discontinue any aspect of this site, including the availability of any features of the site, at any time without notice or liability. Actual Insurances may also impose limits on certain features and services or restrict your access to parts or to this entire site without notice or liability.

Personal Data

Personal data will be collected, processed and used by Actual Insurances for the purpose of providing this service and to facilitate transactions you enter into with us through this service. Personal data may also be used for marketing purposes and may be disclosed to selected third parties for such purposes. If you object to use of your personal data for marketing purposes, please state this on the product application. Further information on use of personal data will be provided in connection to any application.

Please help us keep your information up to date by informing us of any relevant changes to your personal details, such as change of address.
Should you require information on any aspect of Actual Insurances operation, please contact Actual Insurances at 062 51765 or by email at info@actualinsurances.ie