Income Protection Quotes

Instantly compare income protection quotes form all of Ireland's leading insurers, to secure unbeatable value!

Income Protection

Income protection

Protecting your Income

Income Protection insurance, is designed to replace your income in the event of any accident, disease or illness, preventing you from attending your work, with personal income protection payable in additional to disability state benefits .

Use our free income protection quotes calculator, to instantly compare all the leading income protection market providers in Ireland, including New Ireland, Royal London, Irish Life, Zurich Life, and Aviva.

Comparing Income Protection Quotes

income protection

Income Protection Quotes

Get all of these leading complementary policy benefits and more...


First Month's Coverage Free


Day 7 - Hospital Cash


Guaranteed Insurability


Premium Waiver in Claim

Income Protection Quote Results

Income Protection Quote Options

Income protection covers any accident, injury or illness that prevents you from working, replacing up to 75% of your basic annual income.

Once you input your details, your market comparison quotes, will arrive in seconds, highlighting the best value solution.

All quotes are guaranteed, or in other words, they can't be hiked up by the insurer down the road, plus right now you can avail of the first month free!

If you're happy to pay a higher discounted premium, to escalate your benefits at 3% per annum in a claim situation, then please choose optional claim payment escalation, when selecting your quote options below.

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Income Protection

Benefits Snapshot

Income Protection

How hassle free is it?

It's completely hassle free. here's no need for a trusty pen, printing or posting. Your application form can be completed on screen, and you can sign and receive your policy digitally.

Typically with Income Protection, the underwriters do require a nurse medical, but don't worry, we'll send the nurse to you and cover the cost.

Questions & Answers

Income Protection - FAQ's

Your Income Protection Insurance questions answered.

Income Protection Insurance is an insurance policy designed to help replace your income due to any illness, or injury preventing you from being able to work, for a prolonged period. The maximum cover level permitted is 75% of your regular annual income, less the state disability benefit, where you’re entitled to this benefit as an employee or as a self-employed individual in Ireland.

You must be in full-time paid work as a self-employed person, or as an employee or company director to qualify for Income Protection and to receive benefits in the event of a claim.

The maximum that you can cover yourself for is 75% of your income less any social welfare entitlements (currently €11,440 per annum). Note if you are self-employed or a company director you may not be eligible State Illness Benefits.

There are some limits which vary slightly across life companies; but typically cover 75% of the first €350,000 of your earnings per annum (excluding benefit-in-kind), less state disability benefit if applicable, subject to an overall maximum of €262,500.

Income must be earned income, so you cannot include rental income or dividends for example. It is important to get this information right during your application for Income protection, as you might be paying for more protection than you are entitled to at the claim stage.

The premiums you pay on your income protection policy attracts tax relief at your marginal rate. Let’s say you earn €60,000 per annum and your marginal tax rate is 40%. Your quote comes out at €100 per month (gross) but the policy actually only costs you €60 per month (net).

Yes, even by choosing the lower premium quote, when returning your application you can choose Premium Indexation, which will then mean that premium will increase annually thereafter at 3.5% PA, with the benefit increasing at 3% PA.

Or alternatively, once every 3 years you can choose to increase your cover by up to 20% of the original cover amount, without fresh underwriting, with the premium then increased to allow for this.

Please note however, only by choosing “Inflation Protection”, meaning the higher quoted premium, will your benefit also increase during a claim.

Some companies, such as Aviva and Royal London, have an automatic benefit on their policies which allows you to increase the cover on your policy by 20% on its anniversary without having to provide evidence of health. 

This option may be exercised up to five times. If the increase is declined more than once when offered, it will not be offered again.

Alternatively, you can select Inflation Protection when running your quote. This means that your benefit will increase by 3% each year and your premiums by 3.5% in conjunction. This can help ensure that your benefit automatically stays in line with any salary increases and with inflation, and that if a claim occurs your benefit paid out will also increase by 3% per annum.

The deferred periods are 4, 8, 13, 26 and 52 weeks. The deferred period is the time between when you are injured or fall ill and when the policy will commence payment. The longer the deferred period, the lower the premium. Think about how long your savings, or if applicable your employer provider sick pay would cover for expenses when deciding on the deferred period to choose.

When getting an income protection quote, your occupation is very important as some occupations will not be covered due to the nature of their work. Below is a table that will give you a good idea of what class your occupation falls into but it is not the definitive guide as there are some small differences between the various life companies.

Class 1
White-collar occupations: no appreciable accident or health risk. These occupations will usually be office-based. Examples include: Accountants, GP’s, IT Consultant, Solicitors, Administrators, etc.

Class 2
Mainly white-collar and predominantly administrative. Driving may be involved. Examples include: Quantity Surveyor, Dentist, Sales Rep, etc.

Class 3
Skilled occupations, which may involve light manual duties but any heavy lifting is rare. Examples include Interior Decorators, Foremen, Electrical Engineers, and domestic Electricians, Nurses etc.

Class 4
Skilled tradespersons, working on construction sites using light power tools. Examples include Carpenters and Plumbers.

You can submit claims on your Income Protection policy as many times as you require benefits, right up to the end of the policy term.

Pension contribution cover is only available on executive income protection plans for company directors subject to a limit of €40,000 per annum.

Comparing income protection quotes is made is easy. Simply fill in your details such as your age, your annual salary, and your policy term and our online comparison service will compare the market to produce your best value quote in just seconds.

All Income Protection Quotes we provide include free advice, guaranteed premiums and easy online application. 

All premiums quoted are eligible for premium tax relief at your marginal PAYE tax rate.

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