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Remuneration

Remuneration Statement

Insurance intermediaries such as AA Ireland, must make available on their website, a summary of the details of their remuneration arrangements with insurance underwriters, as outlined within Regulation 32 of the Central Bank (Supervision and Enforcement) Act 2013 (Section 48) (Consumer Protection) Regulations 2025.

Remuneration is the payment earned by AA Ireland for the work performed on behalf of both the insurance underwriter and the consumer. The amount of remuneration AA Ireland earn is related to the value of the products sold and includes ‘Commission and Fees/Charges’.

Please note that AA Ireland will always seek to ensure that the insurance products that we offer to you, will be the most suitable product for your needs (having regard to the facts disclosed by you and other relevant facts of which AA Ireland is aware) irrespective of the remuneration arrangements AA Ireland has agreed with its insurance underwriters.

Remuneration Rates

Commission

Insurer Commission Additional Commission Marketing Costs Profit Share
AXA 0% 3% No Yes
Aviva 0% No No Yes
Allianz 0% 1.5% No Yes
Intact 0% 0.75% €400,000 No
RedClick 0% No No No
Zurich Up to 5% No €120,000 No
KennCo 0% No No No

Fees/Charges

Motor Transaction Charge
Policy Set Up Charge Up to €400
AA Renewal Fee Up to €400
Mid-term adjustment Up to €75
Cancellation Up to €75
Unpaid Direct Debit Up to €35
Unpaid Cheque Up to €10
Duplicate Documents Up to €25
Direct Debit Service Charge 10.72% for new business policies
9.74% for renewal policies

Insurer Commission Profit Share Marketing Costs
AXA Up to 10% No No
Aviva Up to 10% No No
Allianz Up to 10% No No
Zurich Up to 5% No No
Ornella Up to 5% No No
Wrightway Up to 5% No No
RedClick Up to 10% No No

Commission

Insurer Commission Profit Share Marketing Costs
Aviva Up to 25% Yes No
Intact Up to 24% No No
RedClick Up to 25% No No
Allianz Up to 15% No No
AXA Up to 20% No No

 

Fees/Charges

Home Transaction Charge
Policy Set Up Charge Up to €200
AA Renewal Fee Up to €200
Mid-term adjustment Up to €75
Cancellation Up to €75
Unpaid Direct Debit Up to €30
Unpaid Cheque Up to €10
Duplicate Documents Up to €25
Direct Debit Service Charge 10.72% for new business policies
9.74% for renewal policies

Commission

Insurer Commission Profit Share Marketing Costs
Inter Partner Assistance SA Up to 92% Yes €150,000

 

Insurer Commission Profit Share Marketing Costs
Inter Partner Assistance SA No No No

*AA Home Emergency Rescue is included in all AA Home Insurance policies that are purchased or renewed on/after May 1st 2023.

Insurer Commission Profit Share Marketing Costs
Aviva Life & Pensions Ireland DAC Year 1: Up to 140%
Years 2 – 5: 20%
Renewals: 3%		 No No
Royal London Year 1:110%
Year 2+: 10%		 No No

Fees/Charges

Membership Transaction Charge
Membership Administrative Charge Up to €40
Membership Installment Fee Up to €45
Cancellation Up to €30
Unpaid Direct Debit Up to €15

Insurer Commission Profit Share Marketing Costs
Inter Partner Assistance S.A. No No No

Insurer Commission Profit Share Marketing Costs
Inter Partner Assistance S.A. No Yes No

Insurer Commission Profit Share Marketing Costs
White Horse Insurance Ireland DAC Mark-up of up to €20 Yes No

Insurer Commission Profit Share Marketing Costs
White Horse Insurance Ireland DAC Mark-up of up to €20 Yes No

Product Insurer Commission Profit Share
Warranty Gold Helvetia Global Solutions Ltd from 14.16% to 20.59% No
Warranty Platinum Helvetia Global Solutions Ltd from 13.88% to 21.6% No

Definitions:

Commission: This is a payment earned by AA Ireland when it sells an insurance policy on behalf of an insurance underwriter. Commission payments are based on a percentage of the insurance premium. For example, if the total insurance premium paid by a customer is €500 and AA Ireland’s commission is 5%, the AA Ireland receives €25 in commission for the sale of that policy. The commission rates earned by AA Ireland are set out in the accompanying tables below.

Additional Commission: Where this field is populated with a percentage, it means that AA is party to an agreement with an insurance underwriter whereby a percentage of the total premium the underwriter receives from AA Ireland sales is payable back to AA as a commission.

Fees/Charges: In addition to earning commission AA Ireland may also apply Fees/Charges for its services. The fees/charges applied by AA Ireland are set out in the accompanying tables below.

Profit Share: Where this field is populated as ‘Yes’ in the accompanying tables, it means that AA Ireland is a party to a profit-share arrangement with a product provider and AA Ireland will earn additional payment from the insurer if agreed profit targets are achieved. Note: Any business arranged with these product providers on a customer’s behalf will be placed with the product provider because that product provider is at the time of placement, the most suitable to meet the customer’s requirements, taking all the customer’s relevant information, demands and needs into account.

Marketing Costs: Where this field is populated with a monetary amount in the accompanying tables, it means that AA Ireland is a party to an arrangement whereby AA Ireland receives payment for this amount from the insurer towards marketing/advertising expenditure.

Direct Debit Service Charge: This fee applies if you choose to pay your premium by monthly instalments. The date and the amount of each instalment payment will be set out in your policy documents on the ‘Schedule of Payments’ page.

Commission Ranges: AA Ireland may discount its fees and commissions, at its discretion, to help provide customers with the best available price. If you would like to check whether any discounts or special offers apply to your insurance quotation, we recommend contacting us via our webchat or WhatsApp messaging services. One of our agents will be happy to provide you with the relevant information and advise you of any discounts or offers that may be available at that time.

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