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General Frequently Asked Questions

Material Change | Duty of Disclosure | Alteration of Risk

When arranging insurance over the phone, by email, post or via our website, you will be asked to sign a declaration that the answers you provide are to the best of your knowledge and belief, true and complete in every respect and that you did not make any misrepresentations.


A misrepresentation is where an individual provides fraudulent, inaccurate, misleading or incomplete information. You must acknowledge the importance of answering all questions honestly and taking reasonable care not to make a misrepresentation when providing us with answers to the questions asked. Failure to do so may lead to the voidance of your policy and/or your claim not being paid at all or alternatively only part of your claim being paid to you.

Alteration of Risk

Any alteration clause in the policy or any clause which refers to an alteration of risk will apply only where the subject matter of the policy has changed or altered.

Material Change

Any clause of the policy which refers to a material change will be interpreted as referring to changes that take the risk outside that which was reasonably envisaged by both you and your insurer when the policy sale was concluded. If you are in any doubt as to whether there has been a change in the subject matter of the contract which changes the risk to something that falls outside the agreed cover, then please contact us.

How can I pay my insurance premium?

The following payment options are available:

  • Interest-free salary deduction
  • Debit or Credit Card by phoning 01-7026699/ext.26699 Option 5
  • Cheque made payable to Marsh Ireland

Can I change my method of payment?

You can change your method of payment by contacting a member of the team before your renewal date. Unfortunately, for auditing reasons, we are unable to facilitate changeover once renewal date has passed.

Who do I make a cheque payable to?

Marsh Ireland.

What is an excess?

An excess is the amount you must pay as part of the claim settlement. This amount will be shown on your Schedule and is deducted from your total claim.

If I have a complaint about the service, what are my entitlements?

Full details of all complaint processes are included in each policy booklet as well as the Marsh Terms of Business, which you will find below. Alternatively, ESB Staff Insurance Scheme are always available to assist you should you have a query.

What should I do if I leave ESB?

You must contact us prior to your departure if your occupation has changed and/or to discuss payment options.

Where can I find out more about the Consumer Insurance Contracts Act 2019?

Download a copy of the Marsh Ireland Brokers Ltd information note (pdf)