Mortgage Protection Quotes

We pledge to beat any mortgage protection quote, from any mortgage insurance provider, operating within Ireland.

Mortgage Protection

Pays Off Your Mortgage

Insurance to clear your Mortgage

Mortgage Protection Insurance, is simply a form of life insurance, designed to off your outstanding mortgage loan, in the event of your death.

Our free digital, mortgage protection quotes calculator, allows you to instantly compare mortgage protection quotes, across the entire Irish insurance market, with and without optional Serious Illness Cover and or a policy Conversion Option.

Mortgage Protection Insurance Quotes

Superior Coverage

Mortgage Protection Quotes

Run your quotes to get these leading complimentary benefits and more:

01.

Advance Life Cover

02.

Terminal Benefit

03.

Children's Cover

04.

Dual Cover Payouts

Couple running Mortgage Protection Quotes

Instant Quotes Comparison

Once you input your mortgage protection quote details, your quotes will arrive in seconds, with the best mortgage protection policy, at the cheapest fixed price clearly highlighted.

This includes full details of your complimentary policy benefits and features, with the customer guide and application sent to your email.

instant quotes comparison

Quick, simple, hassle-free...

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

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Mortgage Protection Quote ad-ons

OPTIONAL ADD-ONS

Optional quote extras

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

Then, to future proof your policy for changes to your mortgage needs, you can also choose to add a Conversion Option.

Adding this option, gives you the ability to extend your policy term, free of fresh health evidence, when remortgaging.

IT'S SO SIMPLY

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 form can be completed on screen, and you can sign and receive your policy documents digitally.

You can 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 Insurance

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.

 

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 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.

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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