Remuneration and Schedule of Fees
Remuneration and Schedule of Fees
Dolmen is remunerated by a professional fee for the initial work activity and time spent in providing advice and seeking terms/product producers for your specific needs.
A professional fee is also charged for the activity involved in the renewal of the policy and also any alterations that take place during the policy year and at termination of a policy.
A schedule of our fees is undernoted (the percentages shown represent percentages of premiums).
We are usually remunerated by commission received from the product producers (details available on request) for the work involved in placing an order and finalising the product with them on your behalf and this is not connected with any professional fee which we charge you. Some product producers do not pay a commission.
Commissions received from product producers are not offset against fees chargeable unless otherwise agreed with you in writing. All fees are shown on a per year/annual basis. Where a policy is effected for a period longer than one year, the fees payable will be the annual rates shown below multiplied by the policy term.
Schedule of Fees Charged
Remuneration and Fees – Non-Life
For Personal Lines Business in relation to Initial Placement and Renewal of policies:
Private and Commercial Motor, Campers | Up to a maximum of 100% of the premium with a minimum of €50 |
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Household, Travel, Holiday Home and all other Personal Line risks | Up to a maximum of 100% of the premium with a minimum of €50 |
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Alterations to or Cancellations of Personal Lines polices during the insurance year which result in either an additional or refund premium, and the issue of duplicate documentation | A fee of up to €50 will apply per transaction |
For Corporate Risks such as Commercial Property, Traders Combined, Employers and Public Liability, Motor Fleets, Engineering and all other business-related risks:
Initial Placement and Renewal of Policies | Up to a maximum of 100% of the premium |
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Alterations to or Cancellations of Corporate policies during the insurance year which result in either an additional or refund premium, and the issue of duplicate documentation | Up to a maximum of 100% with a minimum of €50 |
We reserve the right to amend these fees should the complexity of the product require a higher fee. We will confirm and agree this fee with you prior to any increased charge being applied.
Where we act as a wholesaling broker for particular product lines, we may charge fees for acting in that capacity in addition to our fees shown above.
Where we arrange an insurance policy on your behalf and you subsequently cancel cover, we will retain any fee already charged for our services in arranging that cover. We will pass on any bank charges incurred by Dolmen as a result of any payments being returned unpaid by a client’s bank.
Remuneration and Fees – Life, Pensions, Investments
For Life assurance, income protection, mortgage protection, pensions, investments, and savings policies, Dolmen is remunerated on a commission or fee basis from Insurers or other product providers. We may also receive renewal, trail, or indexation commissions. Where applicable, full details are included in the product information document distributed to you prior to a proposal being completed.
Dolmen may also opt to charge a fee in certain circumstances. If this occurs, you will be fully appraised of the cost involved in advance of providing a service.
Remuneration – Mortgages
Dolmen will normally receive remuneration from product providers or lenders by way of commission payments for business placed.
Details of mortgage commission will be included in a European Standardised Information Sheet (ESIS) which will be provided to you as part of your formal loan offer from the selected lender. Typically, we may receive commission of 1% of the mortgage drawn down. You have the right to request information on commission payable by different lenders.
You may elect to remunerate us by way of a fee for services provided. Where this arises, we will agree a fee basis with you in advance of providing a service.
Mortgage Fees
We reserve the right to charge a standard up-front commitment fee for arranging a residential mortgage. Details of this fee is outlined below:
Where applicant is sale-agreed on a property or switching from one lender to another, and the loan amount is below €200,000 | €500 fee is payable |
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Where applicant seeks an Approval in Principle (AIP) with no property | €500 fee is payable (irrespective of loan amount) The fee is refunded in full upon mortgage completion where the loan amount exceeds €200,000 |
This fee basis represents the basis of our standard mortgage fees payable. However, we reserve the right to charge a fee on an alternative basis in any given circumstance and, if this applies, the revised basis will be set out in writing to you in advance of providing a service.
Our fee will be notified to the lender who will include this fee into the calculation of the APRC (Annual Percentage Rate Charge) and will be reflected in your ESIS. Please note that lenders may charge specific fees in certain circumstances and if this applies, these fees will be specified in your Loan Offer. Any fee payable will be notified and agreed in advance of any service being provided.
Lenders require that a valuation be carried out on a property to be mortgaged. You will be required to pay the valuation fee which will be advised to you prior to the valuation being arranged.
Additional Remuneration and Offsets
Dolmen may receive additional remuneration from insurers based on the persistency or profitability of our book of business within insurers. All commissions/remuneration received contribute to our costs associated with the provision of ongoing services to you and are not offset against fees chargeable unless specifically agreed with you in writing.
Effective Date: 6 February 2026