Income Protection Quotes

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

Secured Income Cover Quotes

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Protect your income from accident or illness

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

Income Protection insurance is designed to replace your income in the event of a serious accident or illness, preventing you from attending your work.

Comparing Income Protection Quotes

income protection

Income Protection Quotes

Income Protection quotes with premier policy benefits, as standard:


Accident & Illness Coverage


Hospital Cash Payment


Guaranteed Benefit Increases


Premium Waiver in Claim

Income Protection Quote Results

Unbeatable Income Protection Quotes

Our income protection policy recommendations lead the market and come at an unbeatable price, that can not be reviewed.

Once you input your quote details, your full market comparison quotes, will arrive in seconds, best the best solution priced matched to the cheapest offering.

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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 need 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

All you need to know in regards to your income protection.

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 €10,561 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).

Our quote system allows two rate options: (1) Guaranteed rates (2) Reviewable rates. The Guaranteed rates option will ensure that your premium will not change during the term of the plan (unless inflation protection is chosen). Reviewable rate policies will start at cheaper but will be reviewed on the fifth anniversary and every five years thereafter, meaning increases may or may not occur.

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.

Some companies, such as Friends First and Royal London, have an automatic benefit on their policies which allows you to increase the cover on your policy by a certain amount (20% of the original cover every three years) without having to provide evidence of health. This is optional. The premium will be revised accordingly at the time. 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.

You can also 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 payout will also increase by 3% per annum.

Comparing income protection policies is easy with, you just fill in some simple details such as your age, your annual salary, and your policy term and our online comparison service we’ll compare policies from all of Ireland’s main providers to produce your best value quote in just seconds. All Income Protection Quotes we provide include free advice, easy online application and the best price guaranteed.

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