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It was a pleasure dealing with Dylan to set up our family life assurance policy. He was knowledgeable, personable and professional throughout the process and we would recommend dealing with him to friends and family!
Aisling Healy
Aisling Healy
Bernadine has been fantastic from start to finish with my mortgage application. She was able to assist me with everything that was needed taking a lot of the stress of me.I would highly recommend her and would go to her again in the future
Majella O Dwyer
Majella O Dwyer
Excellent work done by John Dwyer handling my application over the course of a few months. Showed great conversation skills and provided me with helpful and informative information. I could not fault the experience dealing with Low Quotes. They are very good.
John Nolan
John Nolan
Really quick turnaround, details well explained, seamless process!!
Akanksha Puri
Akanksha Puri
Excellent communication and friendly over phone and email. They provide prompt advices. Would recommend
Ayman Barakat
Ayman Barakat
Had the pleasure of dealing with Colin Bailey and he couldn't have been more helpful. Just made everything so easy.
Declan Barry
Declan Barry
Had a brilliant experience with Colin,,he was extremely helpful & put out minds at rest ,,knowing we don’t have to worry about anything,and he went into every detail,,definitely recommend low-quotes,
marie keogh
marie keogh
Really professional and friendly approach by Richard Westman. Smooth and hassle free consultation, much recommended.
peter gabera
peter gabera
Colin Bailey was great to work with. He made everything easy to understand and was able to answer any of my annoying questions. A very patient guy as when he called I was often in work and did not have the time to talk. We were able to get things sorted rather quickly.
robert whelan
robert whelan
All good, easy to do business with. Friendly service.
Michael Harley
Michael Harley
Spent a good quality conversation with Alison Fitzpatrick this am and found her help very precise and informative. The details of new cover plans came down to me immediately. So, all good !
Vincent Gormley
Vincent Gormley
Had a great experience with using low quotes. Bernadine was very professional and competent in her area of expertise. I would recommend this company for financial advice, services and mortgages.
N Shaw
N Shaw
Recently applied for life insurance and was dealing with a chap named Richard. I couldn't ask for a more polite and helpfull man to help me through this process and answer any and all questions I had. From my experience I would highly recomend them.
Tam Salem
Tam Salem
Shaun young is really a nice guy to talk with and very clear in his communication.
I couldn’t rate Low Quotes more highly for their excellent customer service, Richard Westman made the process very easy.
Lee McCallion
Lee McCallion
We dealt with Alan from low quotes to organise our policy and put it in place. I cannot recommend Alan enough. He was so patient and helpful every time I called. His knowledge of the business is unbelievable. Alan guided us through every step so professionally and patiently. I would highly recommend Alan to anyone looking to setting up a policy. Low quotes is very lucky to have him as an employee. Thank you for everything Alan.
Breda Atkinson
Breda Atkinson
Richard was so nice to deal with. He’s a true gentleman.The entire process was very easy from start to finish. We would definitely recommend this company to look after your life insurance needs.
Damien Coleman
Damien Coleman
Excellent and Efficient service received from and special thanks to staff member Colin. Highly Recommend.
chathu jayalath
chathu jayalath
Dylan spent the bones of a couple of hours over two days going through, advising, and then setting up our new policy. When setting up first time with a previous broker some year's back, I thought "Why are my paying this?" Dylan went through this thoroughly. It's something that should not be ignored.There was nothing not covered by Dylan. All questions were answered. Happy I switched.
John O'Meara
John O'Meara
I can highly recommend low quotes and in particular, Richard Westman. He was an absolute pleasure to deal with, he was so approachable and friendly. His professional approach throughout the whole process was flawless. He answered all my queries promptly and efficiently. He explained everything to me so that I clearly understood what I was signing up to. I got the best policy suited to my needs thanks to Richards advice and knowledge.Excellent service that I have already recommended to friends and family.Thanks again RichardDes Dooley
Des Dooley
Des Dooley
Richard Westman was a great help to myself and my family.He saved money for us on the policy we were already signed upto and got a far more superior policy in place. Thanks again Richard
First time contacting this company Shaun was the person looking after my enquiry He was professional and very informative Based on my responses he organised my health insurance promptlyI will definitely recommend to others.
bernie kerin
bernie kerin
Easy and fast way to getquotes. Great designed website.
Great experience with low quotes for our Life Insurance requirements. Colin was very helpful and guided us through the whole process.
Rachel Cross
Rachel Cross

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Benefits of choosing LowQuotes
for Income Protection

  • €50 Cash back on policies over €30p/m*

  • Free 'Will Kit' worth €120*

  • Compare every provider in 30 seconds

  • Up to 30% discount online

  • We beat any competitors quote

  • Quote, Apply, Sign, Online

  • Cover available in 10 minutes

  • Cover up to 75% of your annual salary

  • Covered until the day you retire

  • Eligible for income tax relief (20/40%)

  • Increase your cover without underwriting

  • Apply online, by phone or by post

  • Can be index linked (keep up with inflation)

  • Deferred periods of 4, 8, 13, 26 & 52 weeks

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Income Protection Information

Income Protection is an insurance policy. It works to provide you with a replacement source of income if you can’t work due to an illness or injury after a certain period of time. It typically helps supplement income for a set period, which is defined in the policy LowQuotes help you find.

You can take out an income protection policy if:

  • you are in full-time work (more than 16 hours per week)
  • self-employed and earn a wage
  • over 18 (will vary based on plan)

What is included in your plan will depend on multiple criteria, which is worked out after you fill in the form above and our team finds the best quote possible.

A typical instance of income protection in Ireland would include:

  • Guaranteed premium option available meaning the cost will never go up, even if you make a claim.
  • Pays up to 75% of your income, allowing you to financially support your loved ones when you are out of work.
  • During your deferred period, Income Protection pays a replacement daily income if you are in a hospital for more than seven days.
  • You can still maintain your Income Protection even if you move job, anywhere in the EU.
  • The cover can be increased every 3 years, by up to 20% of your original cover level, without further medical questions.

Anyone eligible can avail of income protection insurance.

There are some standard requirements. Examples of this would be when:

  • You are 18-54 years old and in full-time employment or are self-employed.
  • You want to protect some of your income until you are 65 in case you cannot work because of illness or injury.
  • You want a product that pays you a regular income if you cannot work because of an illness or injury, after a certain amount of time (deferred period).
  • You want the option to top up your cover at a later date.
  • You want your cover to continue, no matter how many claims you make.
  • You want to take advantage of potential income tax relief.

If you are looking for an alternative to Income Protection, and something where your family would be protected if you were diagnosed with an illness, Serious Illness Protection may be the better option for you.

Contrary to popular belief, you can submit a claim on your income protection policy as many times as you require income due to being out of work (due to illness or injury), right up to the very end of the policy term.

The deferral period for income protection is the period in between when you are unable to work and the policy starting to pay out. Example: If you choose a 4 week deferred period, your income protection policy will start to pay out once you have been unable to work for 4 weeks due to injury or illness.

Typically, the deferral periods for Income Protection plans in Ireland are 4, 8, 13, 26 or 52 weeks.

Some occupations will not be covered due to the risk factor of the occupation. See below a list of classes and which class you might fall in to.

  • Class 1 – Office type environment for 75% or more of your day.
  • Class 2 – Doctor/Retail/Catering/Waiting Staff/Chef/Medical Practitioner/Salesperson.
  • Class 3 – Education/Nurse/Surgeon/Dentist/Carer/Social Worker/Teacher.
  • Class 4 – Manual Labour, Building, Trades, General Operatives

Please note that these are subject to change depending on the Income Protection provider.

If you’re currently 35 years old, there’s a one in six chance you’ll be out of work for 6 months in your career. Would your bills be covered? Could you pay your mortgage or rent for those six months?

It isn’t just illness you need to keep in mind, accidents can happen – in the form of traffic accidents or slipping and putting your back out. You need to have something in place just in case your wages were to stop.

The LowQuotes team will always help you find policies that work to your situation.

There are cases where we might suggest that income protection isn’t ideal. For example, if your health or other contributing factors (e.g. smoker status) lead to high premiums, we may take the time to find suitable alternatives that best match your needs.

You should never have to find yourself paying a premium for income protection, regardless of provider.

In Ireland, it is common to have an income protection plan in place until you are in your mid-50s.

It’s something of an industry standard to have plans run to five year increments, i.e. someone choosing to end their plan at age 55/60/65 etc.

No. Income Protection is there to help provide relief in instances where you can’t work due to illness or injury, essentially replicating monthly income.

Conversely, Serious Illness Protection/Cover pays out one lump sum when you have an illness listed in that policy. If that’s something to consider, we recommend clicking here to learn more about how LowQuotes can help you find a better deal on Serious Illness Protection.

There are a host of income protection providers in Ireland, including:

  • Aviva
  • New Ireland
  • Royal London
  • Zurich

Some will have their own terms for income protection, which can be confusing, and some may not make it clear if they offer a confirmed income option (this is where your plan stays based on your original income).

To avoid comparing site after site, and being tongue tied over various policy, just use the form on this page. Let LowQuotes take care of finding you the best income protection plan possible

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Coronavirus Covid 19 Information

We would like to assure our customers that although this Worldwide Pandemic has struck our Nation hard, we are still here for our new and existing customers. All phone calls and emails will be dealt with accordingly.

In the unfortunate circumstance that a customer contracts COVID-19 and dies, our life policies would pay out in line with our usual claims philosophy.

All Consultations will be held by Phone or Online via Computer/Smart Device to remove face-to-face interactions and keeping in line with social distancing guidelines recommended by the Government.

We at hope you, your family and your loved ones stay safe & healthy in this time.