34 Vevay Road, Bray County WicklowPhone: 01 2745666Email: [email protected]

For all your Insurance needs

Lee Insurance Brokers, Pat Lee and Ann-Marie Roe. We are a brother and sister team, born, raised, educated and working all of our lives in the town of Bray, Co.Wicklow. Together, we have over 50 years experience in the insurance industry. We provide advice on a range of insurance products.

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About Us

We are a family run business established in 2006 and located at 34 Vevay Road Bray Co. Wicklow.Pat Lee has a wealth of knowledge and has over 30years experience in the Life, and Pensions and Investment business and is a member of the LIA – Life InsuranceAnn-Marie Roe is a Certified Insurance Practitioner and has worked all her working life in the Insurance Industry, specialising in General Insurance covering Personal and Commercial Lines of the business. She is a member of the III – Insurance Institute of Ireland.For a fast, no obligation quote or advice on any Insurance Products, simply give us a call today at
(01) 2745666 or email us at [email protected]

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Opening Hours
Mon - Fri 9 am - 5 pm
Closed for lunch 1 pm - 2 pm

Patrick Lee trading as Lee Insurance Brokers is regulated by the Central Bank of Ireland. Registered Office: 34 Vevay Road, Bray, Co. Wicklow. Registered No: 304412

© Lee Insurance Brokers 2025

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Privacy Policy

GUIDING PRINCIPLEAny individual about whom you keep personal data electronically or manually is entitled to a copy of the data you are keeping about them upon making an access request. Lee Insurance Brokers acts as both a Data Controller and Data Processor. You should not disclose any information about an individual to a third party unless you are satisfied that you have that individual’s consent.
1. Purpose of Data Protection
The Data Protection Act 1988 and the Data Protection (Amendment) Act 2003 govern the processing of all personal data. The purpose of these Acts is to safeguard the privacy rights of individuals regarding the processing of their personal data by those who control such data. In particular, it provides for the collection and use of data in a responsible way, while providing against unwanted or harmful data use.
2. Purpose of Policy
The purpose of this policy is to set out the arrangements that apply to the management of data protection and to affirm our commitment to protect the privacy rights of individuals in accordance withlegislation.Thispolicysetsoutthemanyareasofourworkinwhichdata protection issues arise and outlines best practice in dealing with these issues.
3. Definitions - Data Protection Acts
The following definitions have been adapted from Section 1 of the Data Protection Acts:
Data: means automated and manual data. Automated data means any information on computer, or information recorded with the intention that it be processed by computer. Manual data means information that is recorded as part of a relevant filing system or with the intention that the data form part of a system. Examples of sensitive data which we hold include, names, addresses, bank details, PPS numbers, dates of birth, bank account details/statements, financial audit reports, financial/grant payment schedules, tender documents etc.
Data controller: means a body that, either alone or with others, controls the content and use of personal data
Data processor: means a person who processes personal data on behalf of a data controller but does not include an employee of a data controller who processes such data in the course of his employment
Data subject: means an individual who is the subject of personal data
Personal data: means data relating to a living individual who is or can be identified either
from the data or from the data in conjunction with other information that is in, or is likely to come into, the possession of the data controller.
• Processing: means performing any operation/sets of operations on the data, whether or not by automatic means, including:
- obtaining, recording or keeping the information
- collecting, recording, organizing, storing, altering or adapting the information or data
- retrieving, consulting or using the information or data
- disclosing the information or data by transmitting, disseminating or otherwise
making them available
- aligning, combining, blocking, erasing or destroying the information or data.
Relevant filing system: means any set of information relating to individuals (to the extent that while not computerized) which is structured, either by reference to individuals or by reference to criteria relating to individuals, in such a way that specific information relating to a particularindividualisreadilyaccessible.
Sensitive personal data: means personal data which relates to specific categories defined as:
- racial or ethnic origin, the political opinions or the religious or philosophical beliefs of the data subject
- trade union membership
- the physical or mental health or condition or sexual life of the data subject
- the commission or alleged commission of any offence by the data subject
- any proceedings for an offence committed or alleged to have been committed by
the data subject, the disposal of such proceedings or the sentence of any court in such proceedings.
4. Data Protection Principle
As a Data Controller, Lee Insurance Brokers must comply with the eight principles of Data Protection as set out in the Data Protection Acts and administer our legal responsibilities in accordance with these stated principles as follows:
1) obtain and process information fairly
2) keep data only for one or more specified, explicit and lawful purposes
3) use and disclose data only in ways compatible with these purposes
4) keep data safe and secure
5) keep data accurate, complete and, where necessary, up-to-date
6) ensure that data is adequate, relevant and not excessive
7) retain data for no longer than is necessary for its purpose or purposes
8) give a copy of their personal data to an individual, on request, and correct the data
or, in certain cases as defined in the Data Protection Acts, block or erase the data where that individual so requests. Depending on the business and who the Data Controller is.
5 Application of the rules of data protection
In order to ensure that Lee Insurance Brokers complies with these principles, the following procedures must be observed at all times.
5.1 Obtaining and processing personal data
- personal data is obtained fairly if the data subject is aware of the purpose for which Lee Insurance Brokers is collecting the data, of the categories of person/organization to whom the data may be disclosed, of non-obligatory or optionalanswersinforms,oftherightof accesstothedataandoftherightof rectification of the data
- obtain personal data only when there is a clear purpose for so doing, obtain only whatever personal data is necessary for fulfilling that purpose and ensure data is used only for that purpose
- it follows that use of Lee Insurance Brokers data processing facilities in capturing and storing personal data for purposes, which are not related to the functions of Lee Insurance Brokers must not take place
- inform data subjects of what personal information is held by Lee Insurance Brokers, what it will be used for and to whom it may be disclosed
- obtain written consent when processing sensitive data and retain a copy of the consent. It should be noted that consent cannot be inferred from a non-response in the case of sensitive (see definition in Section 3 above) data.
5.2 Disclosing personal data
- personal data should only be disclosed in ways that are necessary or compatible with the purpose for which the data is being kept. Special attention should be paid to the protection of sensitive personal data, the disclosure of which would normally require explicit consent
- except where there is a statutory obligation to comply with a request for personal data, or where a data subject has already been made aware of disclosures, do not disclose to any third party any personal data without the consent of the data subject.
- verbal consent does not suffice in the case of sensitive personal data. Written consent must be obtained unless there is a statutory obligation to disclose, or the information is released, for example to the Gardaí, for the prevention of crime and if informing the subject of the disclosure would prejudice the enquiries, or unless it is in the vital interests of the data subject
- personal data should only be disclosed to work colleagues where they have a legitimate interest in the data in order to fulfill administrative functions. Be satisfied of theneedtodisclose
- personal data should not be disclosed outside of the EEA unless written consent has been obtained, unless disclosure is required for the performance of a contract, to which the data subject is a party, or unless disclosure is necessary for the purpose of legal proceedings.
5.3 Permitted disclosures of personal data
The Data Protection Acts provide for disclosures, where data is:
- authorized for safeguarding the security of the State
- required for the purpose of preventing, detecting or investigating offences
apprehending or prosecuting offenders, or assessing moneys due to the
State
- required to protect the international relations of the State
- required urgently to prevent damage to health or serious loss/damage to property
- required under law
- required for legal advice or legal proceedings
- disclosed to, at the request of or with the consent of the data subject.
5.4 Securing personal data
Lee Insurance Brokers must protect personal data from unauthorized access when in use and in storage and it must also be protected from inadvertent destruction, amendment or corruption.
- personal electronic data should be subject to stringent controls, passwords, encryption, access logs, backup, etc.
- screens, printouts, documents, and files showing personal data should not be visible to unauthorized persons.
- personal manual data must be held securely in locked cabinets, locked rooms or rooms with limited or restricted access.
- subject to in-house retention guidelines, personal manual data should be destroyed by confidential shredding when the retention period has Expired and contractual obligations upheld.
- when upgrading or changing PC, the hard drive should be wiped by an appropriate ICT staff member or returned to funder as required.
- special care must be taken where laptops, PC’s and mobile storage devices such as USB Keys containing personal data are used outside of Lee Insurance Broker’s office.
5.5 Accuracy and completeness of personal data
Administrative procedures should include review and audit facilities so that personal data is accurate, complete and kept up-to-date. Review and audit procedures should be developed to monitor that this is being achieved.
5.6 Retention of personal data
Data should not be kept for longer than is necessary for the purpose for which it was collected. Data already collected for a specific purpose should not be subject to further processing that is not compatible with the original purpose. Personal information should only be held for periods specified in the Lee Insurance Brokers Records Retention Policy.
5.7 Disposal of personal data
Personal data should be disposed of when it is no longer needed for the effective
functioning of Lee Insurance Brokers. The method of disposal should be appropriate to the sensitivity of the data, such as shredding in the case of manual data and reformatting or overwriting in the case of electronic data. Particular care should be taken when PC’s are transferred from one person to another or outside Lee Insurance Brokers or are being disposed of.
5.8 Rights of data subjects
Right of access
The Act provides for the right of access by the data subject to his or her personal information. Data subjects must be made aware of how to gain access to their personal data. A data subject is entitled to be made aware of his or her right of access and to the means by which to access the data. A data subject is entitled to the following on written application within forty days, or sixty in the case of examination data:
- a copy of their personal data;
- the purpose of processing the data;
- the persons to whom the Lee Insurance Brokers discloses the data;
- an explanation of the logic used in any automated decision-making;
- copy of recorded opinions about him or her, unless given in confidence
- A maximum fee of €6,35
- may be charged for access to their personal information.
5.9 Restriction of rights of access
This right of access is restricted where the data is:
- required for the purpose of preventing, detecting or investigating offences, apprehending or prosecuting offenders, or assessing moneys due to the State;
- subject to legal professional privilege
- kept only for statistical or research purposes and the results are not made
available in a way that identifies data subjects
- back-up data.
5.10 Provision of access to third parties
A data subject is entitled to access his or her own personal data only. The personal information of a data subject including contact details, must not be disclosed to a third party without the consent of the individual concerned. An agreement may be made to forward a communication to a data subject on behalf of a third party, but no information should be disclosed about the data subject. In the case of research surveys where there is an agreement to forward documentation to data subjects, a notice should be included to the effect that no personal information has been released.
5.11 Limitations on the use of personal data for research
Where research is being carried out either by staff or outside consultants involved in collecting personal data (especially sensitive personal data) they are bound by the requirements of the Act. Initially, they must ensure that data is obtained and processed fairly. It is essential that the necessary consent from data subjects is obtained. Whenever possible, personal data shouldbe renderedanonymous.TheActrequiresthatpersonaldatashallbekeptonlyfor
one or more specified, explicit and legitimate purposes and shall not be further processed in a manner incompatible with those.
5.12 Right of rectification or erasure
Data subjects have a right to have personal data rectified or, blocked from being processed or erased where the data controller has contravened the Act. In order to comply with this right of access, rectification or erasure, it must be ensured that personal data can be located and collated quickly and efficiently by:
- ensuring personal data is in a format that is easy to locate and collate
- verifying that the access request and the personal data released refer to the
same individual
- knowing exactly what data is held on individuals, and by whom
- holding personal data in a secure central location.
5.13 Responsibilities of data subjects
All staff and other data subjects should be informed of how to keep their personal data up to date. All staff and other data subjects are responsible for:
- checking that any information they provide to Lee Insurance Brokers is accurate and up to date
- informing Lee Insurance Brokers of any changes of information that they have provided, such as changes of address
- checking the information Lee Insurance Brokers sends out from time to time, giving details of information kept and processed
- informing Lee Insurance Brokers of any errors or changes (Lee Insurance Brokers cannot be held responsible for any errors unless previously informed).
5.14 Departmental Responsibility Chief Privacy Officer
- Patrick Lee
- Administration – Ann-Marie Roe
6. Further information
These guidelines are intended as a general introduction and are not an authoritative interpretation of the law. Extensive information is available from the Data Protection
Commissioner’s website, www.dataprotection.ie, or from the Office of the Data Protection Commissioner, Canal House, Station Road, Portarlington, Co. Laois.
7. Review
This policy has been developed in consultation with staff and it will be reviewed periodically to ensure it remains up-to-date and consistent with developments in good employment practice. All Lee Insurance Brokers staff are welcome to contribute their experiences and opinions as part of this and staff will be notified of any revisions that are made.

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Cookie Policy for Lee Insurance BrokersEffective Date: June 2025This Cookie Policy explains how Lee Insurance Brokers ("we", "our", or "us") uses cookies and similar technologies when you visit our website at https://leeinsurancebrokers.carrd.co ("Website").### What Are Cookies?Cookies are small text files that are stored on your device (computer, smartphone, tablet) when you visit a website. They help improve your browsing experience by remembering your preferences and enabling certain website functionalities.### How We Use CookiesWe use cookies to:* Understand how visitors use our Website (e.g., via analytics tools like Google Analytics)
* Improve the performance and functionality of our Website
* Ensure basic features and services function correctlyThese cookies do not collect personally identifiable information and are not used for advertising purposes.### Types of Cookies We Use* Essential Cookies: These cookies are necessary for the Website to function properly. They enable core functionalities such as security, network management, and accessibility.
* Analytics Cookies: These help us understand how visitors interact with the Website by collecting and reporting information anonymously.### Managing CookiesMost web browsers allow you to control and manage cookies through their settings. You can choose to block or delete cookies, but please note that doing so may affect the functionality of the Website.To learn more about managing cookies, visit:* www.aboutcookies.org
* www.allaboutcookies.org### Changes to This PolicyWe may update this Cookie Policy from time to time to reflect changes in technology or legal requirements. Any updates will be posted on this page with an updated effective date.### Contact UsIf you have any questions about this Cookie Policy, please contact us at:
Email: [email protected]---

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Patrick Lee trading as Lee Insurance Brokers act as Intermediary between you, the consumer, and the product provider with whom we place our business.The Background
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.What is Remuneration?
Remuneration is the payment earned by the intermediary for work undertaken on behalf of both the provider and the consumer. The amount of remuneration is generally directly related to the value of the products sold.What is Commission?
Commission is payment that may be earned by an intermediary for work undertaken for both provider and consumer.There are different types of remuneration and different commission models:Single commission model: where payment is made to the intermediary shortly after the sale is completed and is based on a percentage of the premium paid/amount invested/amount borrowed.Trail/Renewal commission model: Further payments at intervals are paid throughout the life span of the product.Indemnity Commission
Indemnity commission is the term used to describe a commission payment made before the commission is deemed to be ‘earned’. Indemnity commission may be subject to a clawback (see below) if the consumer lapses or cancels the product before the commission is deemed to be earned.
General Insurance Products
General insurance products, such as motor, home, travel, health, retail or liability insurance, are typically subject to a single or standard commission model, based on the amount of premium charged for the insurance product.Life Assurance/Investments/Pension Products
For Life Assurance products commission is divided into initial commission and renewal commission (related to premium), fund based or trail (relating to accumulated fund).Trail commission, bullet commission, fund based, flat commission or renewal commission are all terms used for ongoing payments. Where an investment fund is being built up though an insurance-based investment product or a pension product, the increments may be based on a percentage of the value of the fund or the annual premium. For a single premium/lump sum product, the increment is generally based on the value of the fund.Life Assurance products fall into either individual or group protection policies and Investment/Pension products would be either single or regular contribution policies. Examples of products include Life Protection, Regular Premium Life Assurance Investments, Single Premium (lump sum) Insurance-based Investments, and Single Premium Pensions.Investments
Investment firms, which fall within the scope of the European Communities (Markets in Financial Instruments) Regulations 2007 (the MiFID Regulations), offer both standard commission and commission models involving initial and trail commission. Increments may be based on a percentage of the investment management fees, or on the value of the fund.Clawback
Clawback is an obligation on the intermediary to repay unearned commission. Commission can be paid directly after a contract is concluded but is not deemed to be ‘earned’ until after a specified period of time. If the consumer cancels or withdraws from the financial product within the specified time, the intermediary must return commission to the product producer.Fees
The firm may also be remunerated by fee by the product producer such as policy fee, admin fee, or in the case of investment firms, advisory fees. Our Fees -Motor - €30 - €50, Household - €20-€40, Shops/Offices - €50- €100, Property Owners/Commercial Combined or Liability €50 - €100 depending on the time spent, Motor Fleets 5% of the premium - Larger Commercial Risk – fees would be discussed prior to arranging cover – 5% -10% of the premium, usually, pending on the time spent. Rebates/ Cancellation/ mid-term adjustments: minimum €20 charge become the amount payable to the firm unless an arrangement to the contrary is made.
Direct Debit Administration: An Administration charge of €20 for the setup of DD payments. Some Insurance Companies may collect our administration charge on our behalf for DD policies.
Other Fees, Administrative Costs/ Non-Monetary Benefits
The firm may also be in receipt of other fees, administrative costs, or non-monetary benefits such as:Attendance at product provider seminars and other training events on the benefits and features of products or services we provide to consumers.
Hospitality of a reasonable de minimis value, such as food and drink during a business meeting or a conference, seminar or other training events

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ALLIANZ PLC ( INITIAL AND RENEWAL COMMISSION )Combined Home Insurance 15%
Cargo Goods 18.775%
Computer 15%
Engineering Plant 15%
Hull Damage/Liability 15%
Personal Lines Household 15%
Holiday Home ROI 15%
Combined Liability EL 6%
Combined Liability PL 10%
Combined Liability MML 5%
Combined Liability CAR 15%
Combined Liability PRL 10%
Landlord House Insurance 15%
Motor Own Goods 5%
Broker Motor Product ROI 5%
Combined Property 15%
Combined Risks 15%
Motor Small Fleet 5%
Business Policy 15%
Property Owners Liability 15%
Social Public Liability 10%

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AON INSURANCE (WHOLESALE MARKETS) ( INITIAL AND RENEWAL COMMISSION )Chubb Excess Liability 10%
Chubb Motor 5%
Chubb Masterpiece Policy 12%
Hiscox Cyber Policy 10%
Hiscox Professional Indemnity Policy 10%
Hiscox Household Policy 12%
XL Services Combined Package 10%
XL Services Professional Indemnity 10%
XL Services Construction Liability 10%
Zurich Professional Indemnity 10%

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AVIVA (INITIAL AND RENEWAL COMMISSION)Agri Business 15%
Commercial Motor 7.5%
Contract Works 15%
Engineering Insurance 15%
Engineering Insurance Mixed
Home 17.5%
Marine – Goods In Transit 18.775%
Marine – Pleasure Boat Policy 15%
Packages – Office 16%
Packages – Shop 16%
Private Motor 7.5%
Commercial Trademark 15%

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AXA BROKER (INITIAL AND RENEWAL COMMISSION)Private Motor 5%
Commercial Motor 5%
Motor Fleet 5%
Home Insurance 15%
Combined Liability 15%
Small Business 17.5%
Commercial Combined 20%

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ARB UNDERWRITERS LTD (INITIAL AND RENEWAL COMMISSION)Private Motor 5%
Commercial Motor 5%
Commercial Combined 15%
EL/PL Combined 10%
Public Liability 10%
ProfessionaL Indemnity 20%

BENCHMARK UNDERWRITERS LTD (INITIAL AND RENEWAL COMMISSION)Household 15%
Property Owners 15%
Office 15%
Shop 15%

CAPITAL INSURANCE MARKETS (INITIAL AND RENEWAL COMMISSION)Personal Lines
Zurich Apartment Owner Policy 15%
Zurich Apartment Renter 15%
Zurich Holiday Home Policy 15%
Zurich Owner Occupied Policy 15%
Zurich Residential Let Policy 15%
Zurich Holiday Home basic policy 10%
AXA Holiday Home Policy 10%
Lloyds Homeworker Policy 15%
Lloyds Mobile Home 15%
Lloyds Non Standard construction 10%
Lloyds Mid Net Worth 15%
Zurich Owner Occupied 15%
Zurich Residential Let 15%
Lloyds Touring Caravan 10%
Lloyds Unoccupied PDH 10%
RSA - Light Commercial Vehicle 6%Commercial Lines
Construction RSA Liability 10%
Construction HDI Liability 10%
Construction Allianz Liability 10%
Contractors All Risks Policy Munich Re Risks Solutions Ireland - 13%Electrical – Aviva Liability 10%
Professional Indemnity – HDI 10%
Professional Indemnity – Lloyds 10%
Property Owners -Canopius 15%
Property Owners – Brit 15%
Property Owners – Ergo 15%
Property Owners – HDI 15%
Security – Liability – Hiscox 10%
Cleaning – Liability – Hiscox 10%
Recruitment – Liability – Hiscox 10%
Oil Distributors – Liability – Travelers 8%

DOLMEN INSURANCE (INITIAL AND RENEWAL COMMISSION)Flex Home Policy 10%
Premier Home Policy 10%
Homeworks Policy 12.5%
Unoccupied (via Relay & Direct) 12.5%
Land Liability 10%
Property Owners 15%
Contractors All Risks 12.5%
Directors and Officers 20%
Event Insurance 10%
Dolmen (sum insured) Home 15%
Dolmen (sum Insured) Residential 15%
Professional Indemnity 10%

HOOPER DOLAN INSURANCE BROKERS (INITIAL AND RENEWAL COMMISSION)Office Combined 10%
Combined Tradesman Liability 10%
Public Liability 10%
Property Owners Risks 10%
Commercial Combined (Leisure, retail, manufacturing) 10%
Professional Indemnity 10%
Unoccupied Risks 10%
BSS Holiday Home Scheme 10%
BSS Landlord Rental Scheme 10%
Contractors All RIsks Scheme 10%
Directors and Officers 10%
Apartment Block 10%
Cyber Liability 10%

KENNCO UNDERWRITERS LTD (INITIAL AND RENEWAL COMMISSION)Motor car/van 5%
Household 15%
Commercial 15%
Motor Trade 5%
Garage Combined 15%
Professional Indemnity 15%
Cyber 12.5%
Medical Malpractice 10%
Travel 20%

OPTIS INSURANCE (INITIAL AND RENEWAL COMMISSION)Combined Liability 15%
Commercial Combined 15%
Property Owners 17.5%
Shop/Retail 15%
Professional Indemnity 20%
Self Build 15%
Carriers Liability 12.5%
Office 15%
Goods In Transit 12.5%
B&B/Guesthouse 15%
Contractors All Risks 15%
Personal Accident 15%

PRESTIGE UNDERWRITING LTD (INITIAL AND RENEWAL COMMISSION)Amtrust Property 14%
Corin Commercial 15%
Prestige Homesafe 15%
Prestige Ireland Motor Trade 10%
Prestige Ireland Non Standard CV 8%
Prestige Ireland Non Standard Private Car 8%
Prestige Ireland Non Standard Private Car EDI 5%

RSA (INITIAL AND RENEWAL COMMISSION)Apartment 15%
Caravan/Mobile Home 15%
Commercial Inclusive 15%
Motor 5%
Contractors All Risks 15%
Bonds 15%
Engineering Inspection 15%
Engineering Plant 15%
Fire and Perils 15%
Goods In Transit 20%
Household 20%
Motor Trade Road Risk 5%
Marine 18.78%
Material Damage 15%
Motor 5%
Commercial Motor 5%
Fleet 5%
Office 17.5%
Property Owners 15%
Shop 15%
Public Liability 10%
Yacht 15%

ZURICH PLC (INITIAL AND RENEWAL COMMISSION)Apartments 15%
Combined 15%
Commercial Inclusive 15%
Computer 15%
Contractors All Risks 15%
Cyber 20%
Directors and Office 15%
Employers Liability 6%
Public Liability 10%
Engineering 15%
Fire and Perils 15%
Goods In Transit 15%
Household 15%
Motor Trade Road Risk 5%
Marine 17.5%
Material Damage 15%
Commercial Vehicle 5%
Motor EDI 6.50%
Fleet 5%
Office 15%
Professional Indemnity 20%
Property Owners 15%
Shop 15%
Surgery 15%
Travel 15%
Yacht 15%

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