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We at LHK Insurance Ltd T/A LHK Insurance and LHK Group act as intermediary (Broker) between you, the consumer, and the product provider with whom we place your business.

Pursuant to provision 4.58A of the Central Bank of Ireland’s September 2019 Addendum to the Consumer Protection Code, all intermediaries, must make available in their public offices, or on their website if they have one, a summary of the details of all arrangements for any fee, commission, other reward, or remuneration provided to the intermediary which it has agreed with its product producers.

For the purpose of this document, commission is the payment earned by the intermediary for work undertaken on behalf of both the provider and the consumer.

General insurance products, such as motor, home, travel, retail or liability insurance, are typically subject to a single or standard commission model and is based on a percentage of the premium paid for the insurance product.

We are remunerated by commission and other payments from product producers. When assessing products, we will consider the different approach taken by product providers in terms of them integrating sustainability risks into their product offering. This will form part of our analysis for choosing a product provider.