Mortgage Protection Quotes

Instantly compare the Irish Mortgage Protection market for the best coverage, at the cheapest ongoing fixed price.

Mortgage Protection

Mortgage Loan Insurance

Ultimate Mortgage Protection Quotes

When it comes to buying Mortgage Protection Insurance, you will find the best deals through full market comparison with leading online premium discount, for the entire term of your policy.

In fact, we offer more quote options, and grant higher full term discounts than any competitor, and for your added convenience, provide fully digitized quotes, application, and policy document delivery.

Mortgage Protection Insurance Quotes

Superior Coverage

Superior Mortgage Protection

All leading market policy benefits come as standard.


First Month's Premium Free


Double Cover - No Extra Cost


Free Children's Life Insurance


Free Terminal Illness Benefit

Couple running Mortgage Protection Quotes

Simply Unbeatable Value

Our unique mortgage protection quotes calculator, instantly compares the Irish mortgage protection market, allowing you to quickly secure the best policy benefits, at the cheapest fixed price.

Plus, on top of our unbeatable discounts, you also get the first month free, once your policy goes live.

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Instant mortgage protection quotes, with full details sent to your email.

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Optional quote extras

If you want added, optional insurance, you can choose to add specified Serious Illness Coverage to your mortgage protection quote.

To future proof your policy, for any new mortgage loans, or existing loan alterations, you can also choose to add a Conversion Option.

Adding a Conversion Option, allows you to extend your policy term free of fresh health details, or to convert to a standard level term family protection policy, if ever needed.


Hassle free, digital application

Should you choose to proceed with your recommended quote, there’s no need for a pen, printing, or posting.

Your mortgage protection application, can be completed on screen, plus you can sign and receive your policy documents digitally.

You can also hold your policy release to match your mortgage drawdown date, and you will still get your first months coverage absolutely free!

Hassle Free Mortgage Protection

Questions & Answers

Mortgage Protection Quotes - FAQ's

Your Mortgage Protection Insurance questions answered.

Mortgage Protection is a form of life insurance that will pay off your mortgage in the event of your death before your mortgage is fully repaid. If you are looking to take out a mortgage, you will need a mortgage protection policy in place before you can draw down your mortgage loan.

A standard term life insurance policy is more expensive than a mortgage protection policy because the cover remains level. This is only needed for interest only mortgage loans, but can be considered by those who want the additional balance of cover.

With Mortgage protection the cover is designed to reduce in line with the outstanding mortgage balance, thereby keeping its cost down in comparison with level cover.


When seeking best value mortgage protection, you want to ensure the cheapest price fixed for your full policy term (not just some short term offer), but also to ensure, that your policy includes the most important complimentary benefits and policy features.

Complimentary Benefits & Features

In order of importance and based on the most useful added features:

1. The First Month Free:

This applies to everyone in terms of savings and can be particularly useful if you’re switching policies in terms of timing payments.

2. Dual Coverage:

Dual coverage unlike joint pays out on both people not just on the first claim. Most insurers offer this now with no added cost compared to joint coverage.

3. Guaranteed Insurability:

Health-related underwriting can delay some policies, and for new mortgages down the line, a change in health may also affect the future premium, unless the increase in cover required falls within the guaranteed insurability limit.

4. Missed Payment Reinstatement:

Anyone can change their bank account or miss a debit on occasion, so this feature is worth looking out for, with Royal London granting the best terms.

5. Second Medical Opinion:  

Can prove a useful resource for some and is offered only through Aviva and Royal London.

6. Children’s Life Cover:

A grim topic to say the least, but most insurers include a level of free children’s life cover, on average up to 5,000 except for Zurich Life, who doesn’t provide it.

7. Accidental Death Benefit/Advance Life Cover:

Offered by all insurers this feature provides life cover, even before health underwriting is completed i.e. between application return and policy release. Most insurers include this feature, but interesting Royal London will provide higher coverage, which also includes any cause of death (outside a pre-existing known condition) whereas others only cover an accident as the cause.

8. Waiver of Premium

This sounds like a great benefit, but it’s important to understand, that it covers your mortgage protection (life insurance) repayments and not your mortgage loan repayments.  Also, you must be continuously ill and unable to work for 3 months, before it kicks in. Only provided by Zurich, but the claim level is low.

9. Terminal Illness Benefit

This feature is included with all market policies, to advance the payment of life cover on the diagnosis of a terminal illness. What’s important to note is that this should be confused with specified Serious Illness cover, which is an added optional coverage, that can be included on all insurance company policies, but which seriously adds to the cost.

10. Digital GP

A super additional benefit, made available only through Aviva, but the problem is that you pay for it, as Aviva allows no price matching nor discount on their premiums versus the market, so for the same quote, you end up paying a lot more. (Tip if you already have VHI, make sure to check out if your policy already includes this).

We compare all the leading mortgage protection providers in Ireland to ensure that you always obtain the most appropriate and comprehensive policy at the cheapest fixed price. This includes comparing mortgage protection policies provided by: Aviva, Irish Life, New Ireland, Royal London and Zurich.

Mortgage protection insurance is designed to pay off your mortgage if you die, not to provide a cash sum to your dependants. So, you’ll usually need separate life insurance to provide a cash lump sum if you have a dependent family.

You can, if you want, use an existing life policy for mortgage protection by assigning it to your mortgage provider, so long as the amount you’re insured for is at least equal to the value of your mortgage and it runs for the same term. Should you die before the life insurance policy ends, the mortgage will be cleared and the balance paid to your dependants.

We compare the market and grant a minimum 20% discount on the cheapest providers’ price. This cheapest price is then fixed for your full policy term, or as long as you choose to maintain your policy.

As long as you’re sure that you’re happy with all the automatic added benefits and features, and that you have also considered any optional policy benefits.

Keeping the cost down can actually save you in the thousands over the term of your policy.

One Quote can offer you any insurer policy you require but has also already compared all insurers and as so, always quotes the best policy coverage at lowest fixed price.

If a new mortgage loan your policy start date should match the date of loan drawdown. You will be normally told this about 2 weeks beforehand, so you can postdate the release of your mortgage protection policy documents.

If replacing an existing mortgage protection policy to save money, then you should start your new policy just before the debit is next falling due on your existing policy.

No, it is very rare that the life insurance company would ask for a medical, this only happens for very large cover amounts, and for older applicants on occasion. Sometimes a GP report can be requested if you disclose certain health conditions, but typically and especially if you’re young, fit, and healthy there is no additional health-related requirements post application return.

If you have no health issues, you can have your policy documents within 24 hours from your application return. You can choose to apply and hold for a later start date and hold your quote for up to 3 months or your next birthday whichever comes sooner.

Dual Life mortgage covers 2 people but pays out separately on each. So, if a death claim occurs the mortgage gets paid off, but the policy can still be maintained on the second person. In the tragic event that both people died together, the policy would pay out double the life cover level.

The answer is that’s up to you as your mortgage lender can only insist on a policy with life cover, but we would recommend considering this additional protection if affordable and especially if you don’t have any other Serious Illness cover already in place.

A Conversion Option allows you to extend your policy cover term and increase your “life cover” within the policy’s guaranteed insurability limits. It also allows you to convert from a reducing cover Mortgage Protection policy to a level term Life Insurance policy if you fall seriously ill with the option to extend your cover term in addition.

Any changes that you make by way of a Conversion Option, are free from fresh evidence of health, so it protects you against a decline in your health affecting your long-term costs no matter how your mortgage needs may change into the future.

Your bank will provide you with a Deed and Notice of Assignment in your loan pack, which is sent to your solicitor. Once you receive your Mortgage Protection policy schedule, you simply use the detail to complete your Notice of Assignment and return both to your bank.

Your bank will then contact the insurer to complete the process.

All of the mortgage protection policies we quote offer “guaranteed insurability” to allow you to make changes to your policy in line with increased borrowing and without the need to complete a fresh mortgage protection application form. However, this does not allow you to extend the term and restricts you to a maximum of your original loan amount.

If you want to future proof your cover against a change in health, term and cover the best thing to do is to add a “Conversion Option”.

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