Multi Claim Protection Cover

A smart alternative to Serious Illness Cover. All Policies & Companies Compared, Best Price Guaranteed.

We’ll take care of it for you.

Your Team

Claire Clohessy

John Hourigan

Adam Mac Maghnuis

Eimear Dunne

Philip Keane

Alan Broderick

Google Reviews

Great Service, John Hourigan arranged our Mortgage Protection Insurance and looked after myself extremely well, he was always extremely helpful at every turn and always at end of the phone or email to answer any questions we had or provide updates to us. I would recommend John to anyone looking for Mortgage Protection Insurance. Thanks again John.

albert ryan

11:31 23 Sep 22

Great people who care about their customers needs and they know the business inside out. We would highly recommend LowQuotes from our experience. Many thanks to John H and Chloe for helping us understand the product and process and also their fast action when it was required. 5/5

Micheal Curley

06:46 23 Sep 22

Smooth transactions all the way. John Hourigan is great to deal with. I am a first time buyer and had no idea what is the best plan for us. John gave us recommendations and explained everything in layman’s term and anwered all my queries. It was a stress free process getting my mortgage insurance with John, so I ended up getting Life insurance too.I highly recommend John and lowqoutes.ie

GEECIE ALIVIO

05:38 22 Sep 22

Adam was extremely helpful and on the ball with everything... Would highly recommend

Martina Murphy

14:42 21 Sep 22

Hi I dealt with Adam who was so professional and made it so easy via Telephone to book the right insurance for me I would highly recommend Low Quotes!!

Tom Mc

16:43 19 Sep 22

Adam was a pleasure to deal with. Very professional and helpful. Highly recommend Low Quotes, fantastic service

olivia curley

22:49 16 Sep 22

Adam talked me through everything and advised of which policies would be best for us! He was extremely helpful and made sure I fully understood everything before I signed any documents, i would definitely recommend lowquotes to anyone looking for mortgage life protection!

Danielle C

15:25 16 Sep 22

John our broker was extremely helpful and sorted my insurance so quickly. Walked me through everything and I got the best deal. Very professional services. Highly recommend

Kyle Willshire

06:42 15 Sep 22

I would like to personally thank Bernadine and all the Team there for helping me secure a new home, seamless and extremely professional , from uploading all my documents , getting approval ,to support getting the final paperwork submitted before the deadline , I couldn't be happier with how I was treated and supported and for the expert guidance throughout this process -thank you so much !!

David Marshall

06:57 14 Sep 22

We were looking for mortgage protection. It proved to be a difficult process as our doctor held up returning the PMA. John Hourigan was looking after us and he was extremely helpful and always at the other end of the phone throughout the process. We finally with Johns help got it across the line. Thank you so much John. Regards Ita.

Ita Kane

12:36 13 Sep 22

Very easy great options and very quick to get set up

Stephen Lynch

10:21 13 Sep 22

Fantastic professional company and without question the best broker in the Irish market. Adam sorted out our insurance within 2 hours of our initial conversation and within 48 hours had everything in place for us. Don't go past these guys...you won't be disappointed! Ask for Adam...

Keith Herbert

18:41 07 Sep 22

Low quotes certainly live up to their name, they were almost 20% lower than my usual financial advisors best price and my usual advisor could not even get close on price. A saving of almost €20 a month for 20 years is well worth having.Alan my advisor was excellent even though I have bought or renewed life assurance products many times over the years Alan still managed to teach me a few new things about this product.I'm a happy customer and will be recommending you to my friends and family.

Eimhin de Róiste

09:31 07 Sep 22

We were looking for Mortgage protection, found LowQuotes online and contacted them,I was contacted by phone within a day, We were asked what day/time that week that suited us for them to contact us to go through forms and discuss all our options.We were advised who was the best Insurer and were given a very good rate.Our application was done very quickly.We were very happy with LowQuotes and would definitely be recommending them to our friends and family.

Carmel Lynch

15:13 06 Sep 22

Great people to deal with. Got mortgage protection insurance sorted seamlessly, quickly and without drama. I dealt with Adam who was a pleasure to deal with and kept me informed at all stages. I got a really good quote compared to others that I had and for a superior policy. I would definitely recommend.

Frank Reilly

17:56 03 Sep 22

Dealing with John in LowQuotes was an absolute pleasure and I cannot recommend him highly enough. He helped me to secure mortgage protection for my first home and it was by no means a smooth road! He has a really lovely manner and made the whole process much easier for me. Thank you John!

Sheena Mc Nulty

12:18 29 Aug 22

John Hourigan sold us our life policy. He was sure to make certain that everything we asked for was provided and affordable. He was quick efficient and had excellent knowledge in his field. He didn't try any B/S tactics that a lot of brokers do and he didn't bombard us with a million calls either. He was informative and accessible and easy to work with. I'd recommend anyone take their policy with John.

Ann Murphy

11:49 27 Aug 22

I rang looking for a quote on a policy for myself and my wife, not quiet understanding the prosses I was a little anxious about the call. As soon as I got talking to John I was made feel very comfortable right from the start and he explained everything and cut through all the jargon so we could understand exactly what was happening. We ended up getting a policy with so much more cover and extras, and we are so so happy. This was a very pleasant ,comfortable and easy conversation and I highly recommend that you give these guys a call.Thanks John.Glen Dowling

Glen Dowling

17:14 25 Aug 22

Very easy to deal with, had the pleasure of dealing with Adam who was very helpful.

James O' Neill

16:51 25 Aug 22

I would just like to thank Ciaran and Courtney for their quick, helpful and professional advice and assistance.Madge & Dave Campion

Dave Campion

14:17 25 Aug 22

Big thanks to the staff at Low Quotes. I found them extremely helpful and punctual with call backs. I couldn't fault my experience. If I had to pick one negative, it would be their call comes up on my phone as suspected spam. However after doing due diligence they are a legit and very helpful company.

Diarmuid O Malley

06:12 24 Aug 22

I enquired online about my life insurance and was promptly phoned back about my enquiry. Adam was great to deal with, talked me through what the policy would consist of and with a few simple questions was able to tailor a policy that would suit my circumstances perfectly. He was very likeable and easy to deal with and would highly recommend him to anyone who is looking into life insurance. I finished up with a great policy that’s suits and a smile on my face from it being made so straightforward and easy.

Stephen Mcnamara

16:28 23 Aug 22

Great service and excellent advice provided. Thank you

Emma Woods

17:34 22 Aug 22

I was taken care by Bernadine from lowquotes and I have to say, for a first time buyer and a complete novice, low quotes is the best! I never had a problem in reaching Bernadine and she was very prompt in providing any information and support. Later during the last part of the process, Bernadine not only helped me as a broker but also gave me so much mental support and for that I thank her so much! it was very kind and truly appreciated! Wish Bernadine all the best and thanks lowquotes again for making it happen and for making my journey smooth 🙂

N Gg

19:53 18 Aug 22

Dealt with Alan this morning. Found him very helpful, professional and friendly to deal with and was happy to deal with any questions or offer clarification on the policies. Thank you very much for your help and time this morning! Very much appreciated 😊

Alice O'Mahony

11:06 16 Aug 22

Really great team, especially Helena. All really efficient, great user friendly platform too

Hannah Flew

11:00 16 Aug 22

Great price. Damien was absolutely brilliant in chasing things down for our Mortgage Protection Insurance and following up on medicals etc. Thank you, Damien!

Simon Holgate

19:49 08 Aug 22

Very fast and simple with super fast quotes, highly recommended ! Everyone should consider!

Nathalie Temple

07:26 31 Jul 22

Paul was very effieient and had all the answers I needed.

v Cunningham

10:23 26 Jul 22

Very efficient and helpful.Would definitely use again.

Caroline Grant

15:50 21 Jul 22

Really helpful and now there stuff 👍John was great to deal with highly recommend

Aaron Douglas

14:09 21 Jul 22

Damien was very kind, friendly and helpful over the phone. I resolve mortgage protection and life insurance extremly easy. Highly recommend!

Slobodanka Struhak

14:37 20 Jul 22

Excellent customer service. highly professional and welcoming. I felt very comfortable talking to them

Kalianee Boodoo

10:36 20 Jul 22

Outstanding services, efficient and helpful. Richard and Melissa were extremely pleasant and efficient to deal with at every turn. Very much recommended to deal with for anyone looking at Mortgages. Excellent service!!

Padraig O'Riordan

11:57 19 Jul 22

Was very friendly and helpful over the phone. Delivered on all promises in short amount of time

Keeling Clan

17:08 11 Jul 22

I've just spoken to Richard in LowQuotes who was generous with his time - very helpful, friendly and professional. He has an indepth, practical understanding of the current financial market in Ireland and seems well positioned to advise any situation. I highly recommending getting in touch.

Eithne Kennedy

11:40 08 Jul 22

I did a quick check online to see if I could get mortgage protection cheaper. Received a call later and they went through the application with, apivation signed and approved within 15 minutes, job done!! Excellent service

Geraldine O halloran

11:59 07 Jul 22

from the first contact everything was explained perfect, all was sorted out within a few hours , Adam explained everything very simple and was there to contact me at my time , delighted to have chosen lowquotes and will recommend to anyone i know

paddy grundy

05:49 04 Jul 22

Got a call straight away and it was easy to set up the mortgage protection I wanted. Adam was very friendly and super helpful thank you!

Katherina Hammond

16:58 01 Jul 22

From my first phone call and speaking with Ciaran Dooley, his assistance was greatly appreciated, straight forward and easy to understand. He was so pleasant to speak to and very accommodating and helpful. He returned calls and emails promptly and it was a pleasure to deal with him. First Rate

Mary Rooney

13:59 26 Jun 22

Damien was a pleasure to deal with! He listened to exactly what I wanted & needed for life insurance and I’m delighted with my policy. I have great peace of mind now. Would highly recommend LowQuotes.ie!

Leighann Rooney

07:30 25 Jun 22

Amazing service and advice provided on mortgage protection. Highly recommend.

Paul C

19:41 24 Jun 22

Richard and all the advisors were great!

Dee Power

14:22 24 Jun 22

I had a great experience. Very simple and straightforward process. I was given all the information I needed and I was able to make a decision based on that. John was so sound and I will be returning to Low quotes for further cover in the future. Highly recommend

Emma Desmond

11:07 24 Jun 22

Great service. Was looking for insurance and others companies was trying just to sell me and didn't hear my needs. Others couldn't explain me what is what. Until I got a call from low quotes. Kieran did a very good and professional job was very polite, explained me in 10-15 minutes I understand everything what I need and I made some savings. It's very important than you already have mortgage to pay.So I would and I am really highly recommending Low quotes. Fast simple and understanding people's needs and current economic situations and really try to save some money!!! Many thanks.. and best of luck...

mrvytas23

13:48 22 Jun 22

I applied to take out mortgage protection with Low Quotes.ie. John phoned me within a few minutes of me submitting my application. John was extremely helpful, had a great phone manner, huge knowledge in his field and took ownership of my application from start to finish. I never write reviews felt I needed to, as John went above and beyond to help me.

Aimée H

14:55 21 Jun 22

Great service and found Adam to be very helpful in sorting out our Life cover in one phone call with all our needs covered at a very good price

Eileen Rochfort

14:18 21 Jun 22

I was bit suspicious before talking to them, now fully satisfied, Low Quotes & Better deals - Recommended

Jaish K Jacob

11:25 20 Jun 22

Found them really easy and helpfull to deal with.

colm brady

16:33 17 Jun 22

Highly recommend LowQuotes.ie, from the initial request for a quote online to signing our documents, only took 15 minutes. I spoke with Damien who was very professional and helpful, a pleasure to deal with.

Sharon OKeeffe

16:39 15 Jun 22

Easy process, best deal. Paul was easily approachable and helped with completing the process quickly.

ramesh savant

11:48 15 Jun 22

Very pleasant doing business with low quotes.ie. All communication was clear and concise and very accurate. All questions were promptly answered and a special thanks to representative Claire who’s was fantastic at helping me acquire my Life Insurance. I would highly recommend using lowquotes.ie. 5 Star Service.

Michael Turvey

17:23 14 Jun 22

Excellent service, I had a phone call with Damien and he talked me through the various options for what I required. I was delighted with the quotes received and I was able to complete all paperwork online as Damien talked me through it. Such an easy experience start to finish, wish I'd made the phone call sooner!

Jes Down

14:29 10 Jun 22

Great comprehensive service, direct to the point and totally professional and helpful. Would highly recommend them for all you insurance needs.

Liam Bourke

14:29 10 Jun 22

Extremely helpful and guided me from start to finish with patience and ease. Thank you

karen keating

12:52 09 Jun 22

Dealing with Damien has been a very straightforward experience, he knows his stuff inside out and there is no "bull" involved. Could not recommend someone better.Excellent service all-round!

Irina Condescu

12:10 08 Jun 22

Damien helped me organise mortgage protection insurance. I am a first time buyer so obviously I was unsure of the process. Damien followed up with me each time he said he would and was extremely thorough, helpful, kind and easy to deal with. I would highly recommend him and low quotes.ie. Another thing I loved was that I had a direct line for Damien so I could contact him at any stage with any questions I had. Thank you Damien.

Aine Roche

15:56 03 Jun 22

Very happy with service.

Robert Woodlock

17:35 02 Jun 22

Outstanding service from Damien .I never believed I could organise life cover so quickly and efficiently ,well done .Highly recommend

Majella Moynihan

13:52 02 Jun 22

I had very good experience with Paul from LowQuotes . I got good assurance policy offer very fast .It was done just on call . I recommend Paul and the company .

Malgorzata Miskiewicz

09:43 01 Jun 22

Bernadine helped me successfully purchase my first home. Applying for a mortgage, finding the right property, and closing the deal can be a long process. Seeking assistance was one of the best decisions I made. I couldn't be more happy and thankful for the phenomenal support I have had from Bernadine who truly went above and beyond seeing me through it all.

Matthias Matthiesen

14:40 30 May 22

Very good job with Richard that helped us a lot getting the documents ready and the final approval.

Chiara Battistoni

16:16 29 May 22

Really good advice, and cheapest rates around. I rang a few other providers and they either filled me with useless info, tried to upsell or were charging much more than Low Quotes. Ask for Damien, hes really helpful

Geraldine Rynne

12:52 26 May 22

I could not ask for any more or the professionalism was Top Class I would recommend anybody even my worst enemy to give these guys call

Gerard Olsson

11:39 26 May 22

Excellent service, Damien was patient and thorough in his approach. There was no feeling of being pressured into a product and the information provided was clear and concise. Thank You!

Orla Ni Cholmain

10:47 25 May 22

Bernadine went above and beyond to assist us through our complete mortgage process. I cannot commend her commitment and professionalism enough. There wasn't a question she did not have the answer to. Everything was made easy, from assisting with paperwork, mortgage protection, insurance, you name it she was on the ball. We would not have managed without her amazing support. I would highly recommend Bernadine. We are so grateful for all her efforts and are delighted to have the keys to our forever home! Thank you for everything.

Suzanne Fitzpatrick

15:42 24 May 22

Great, fast and efficient service! Claire was just lovely from start to finish when arranging our life insurance policy. Niamh was very informative when I made all initial enquiries. Was as good as a face to face chat and really explained the whole process without any pressure whatsoever. #goteam!Would highly recommend 😊😊😊😊

Sue Walsh

14:23 24 May 22

Really easy to deal with. John is super friendly.

Ciara Lawlor

12:31 24 May 22

Great, fast service

Martin Brady

14:27 23 May 22

Ciarán Dooley looked after my protection needs. Greta quotes and service. Second to none.

Noel Westman

14:04 23 May 22

I rang and spoke to John he was so helpful I would highly recommend him as he goes above and beyond to help to get the best quote myself and my partner are delighted John can't recommend him enough

sib Sib

13:58 23 May 22

We are first time buyer of a new build house , I can’t imagine I would have gone through the journey of mortgage application and approval without the help of low quote professional friendly people , thanks Joshua for your help at the initial stage of application and thanks Bernadine day for helping us throughout the process , you knew exactly what we need to do each step and you recommended us the best value in the market for mortgage and life Inssurance , so if anyone hesitating weather to go on their own or through a broker , I highly recommend to go through low quote professional people, you will save yourself a lot of time , sit backs and money as well , thanks again guys

sherif naas

08:02 20 May 22

Recently contacted Lowquotes with regards taking out mortgage protection . And from the get go they were so easy to deal with and extremely informative .We had the great pleasure of meeting Bernadine who was fantastic, friendly , professional and attentive.. Any questions or queries, were met with positive response ,always putting our needs first . Bernadine , would always ensure we were fully updated on the process.I would highly recommend LowQuotes to people looking for Mortgage protection,you will not regret signing up with these guys.Keep up the great work .

MarkT Gallagher

19:31 19 May 22

Me and my fiancé had the luck to have Richard as our broker, and he has gone above and beyond when it comes to customer care. I couldn’t recommend more. I love how caring and thoughtful Richard services is. 5 star ☺️

Thyara Moraes

17:52 19 May 22

Fantastic Customer Service. I was in touch with John from Low Quotes in reference to my Mortgage Protection policy. He gave me the best quote available in the market & made the whole process simple. He was so professional & was always quick to respond to all my queries. I highly recommend LowQuotes for anyone who is looking for high quality professional service.

Jayamohan Kuruvilla

14:51 19 May 22

We are FTB and we were very lucky to deal with Bernadine Day. We hadn't really a clue about the mortgage process, the requirements, timing etc but Bernadine was very clear and explained thoroughly what we needed to do and what's involved with the whole process of a mortgage. We dealt with Bernadine for our mortgage protection, she kept us updated on our application, as I've some health issues I was very concerned about getting approval and also what our premium might be. Bernadine liaised with the insurance company, she took so much pressure off us, she just knew what to do for us from the get go, kept communication open with regular updates. She was an absolute pleasure to deal with and I would recommend Bernadine 100%, she's on the ball, I've already referred some friends onto her !

caroline bollard

20:24 18 May 22

Really good experience using lowquotes.ie. Very friendly service, explained everything perfectly. Happy with the service.

ruth mcdonnell

13:38 11 May 22

Excellent service. Very quick and easy process. Damien was great to deal with and explained everything in detail to us. We had shopped around and this was the best quote we had received by far.

Michelle Glynn

13:35 10 May 22

Mr. Ciaran is very patient, transparent and professional. Many thanks

Luis Romeral

09:38 10 May 22

Ciaran is excellent and a credit to the company - 5* review !!

Ciaran Hafferty

16:34 09 May 22

Fantastic service! Thanks to Ciaran for being so helpful and quick arranging my life insurance.

dondons78

17:39 06 May 22

Very grateful to join for all his help getting our mortgage protection in place. I was procrastinating but John checked in with me every week and when I finally took the time to get all of our information together the process from there was pretty much seamless, stress free and I didn’t really need to do anything. Thanks John !

Tanya Cannon-Howley

16:57 05 May 22

Very helpful and friendly representative , very easy and fast to get a good quote and to start the policy

Amy Byrne

16:16 04 May 22

Great prices, easy to deal with

Sharon Cummins

10:04 25 Apr 22

I had a very good experience with LowQuotes.ie for my life insurance policy. I had a quote in few minutes and selected and applied for a policy on call. It was done in a matter of few hours. Very nice and easy to deal with. Would recommend 100%

Farhan Ahmad

14:26 22 Apr 22

I was in touch with John .He was very helpful and talked me through the online application. The policy documents arrived within a few days.Very friendly .

Teresa O Connell

08:45 15 Apr 22

Hadn't a clue what I was at and to be honest was nervous about commiting to another payment. By the end of the call I was signed up and set up very professional, knowledgeable and answered all my stupid questions. Would highly recommend to anyone and already have to a few people.

greyman 87

17:54 14 Apr 22

I initially requested a quote online but ended up talking with Ciaran Dooley. He was extremely professional and answered all questions I had. He then gave me a list of different quotes and we eventually agreed on the one that would best suit my needs and budget. It was a very seamless process made all the more easier by Ciaran and his excellent customer service.

Aidan Moloney

17:45 14 Apr 22

Chatted with Damien after an online application separately by myself and my wife. He said it would work out much better to bundle together under one plan. We ended up with much better cover for less. Great company to deal with. Highly recommended.

Mark Lenihan

15:07 14 Apr 22

Damien was so professional, helpful and understanding from start to finish. It was a long process but he made it as stress free and easy as possible with constant updates and great communication. Would highly recommend!

Siobhan Levey

15:01 14 Apr 22

Spoke with ciaran, super fast and efficient and managed to get my policy for half the price I was quoted from elsewhere a few months previous. Delighted!

Nicole Daly

14:46 14 Apr 22

I spoke with Claire today which was an absolute pleasure. She was so professional and went above and beyond and has made this usually daunting experience so quick smooth and easy. I can’t thank her enough she was absolutely amazing and I couldn’t more highly recommend her to everyone. Thank you so much Claire

Susan Kennedy

16:56 13 Apr 22

Excellent Service. John Hourigan from LowQuotes was Detailed and to the point. Got the best quote for me and my family and walked me through the process and given the current inflation rate every euro saved is most welcomed.I could only recommend LowQuotes.ie

dermot brennan

16:23 12 Apr 22

Ciarán Dooley was my advisor today, he was so nice to deal with, he gave me a few options to see which policy would suit me better . He was very informative about the different choices I had. I never once felt pressured into the policy I chose. I couldn't recommend him enough. LowQuotes is the way to go. Thank you Ciaran.

Linda Mulraney

15:02 12 Apr 22

Richard Westman is very helpful and very quick at answering any questions that may arise. Extremely professional. Got many helpful advises from him along the way. Pleasure to deal with.

Irina Kricka

13:43 11 Apr 22

I had the absolute pleasure of talking to Damien today, he made the whole process really easy and talked me through every step. He went true all my options with honesty. Thanks again

Saoirse Price

20:01 07 Apr 22

Spoke with Damien Fitzpatrick today . Absolute gentleman . Was so easy to deal with. I Purchased a policy from Damien today and definitely would recommend Damien as he is patient and understanding. He totally understands family life commitments and works with your budget. Damien is very down to earth and unbelievably patient . Thanks Damien if I ever decide to branch into insurance il be headhunting you.Kind Regards.

Rosita Brainard

10:50 07 Apr 22

Very efficient everything was done same day policy issued electronically it was a very easy process. Also good follow up on queries from the same advisor who dealt with my initial application.

emma maher

18:21 06 Apr 22

Exceedingly professional service with very down to earth staff answering all my questions with ease. Damien is very helpful, courteous and gave great advice

Yelenabelle

17:55 06 Apr 22

I dealt with John and from start to finish he answered every question i had, he explained any query I had, he went through all my options and gave me time to think, delighted to have started this process as it's one less worry for the future

Vikki Murphy

16:44 06 Apr 22

Claire Clohessy is fabtastic in explaning the details of income protection sceheme and gave me the best quite..I recommend everyone

Debjeet Roy

14:55 05 Apr 22

Our Adviser Damien was a dream to deal with. He explained everything in a very plain manner, leaving things easily understood and there was no time wasted. Damien made the whole process surprisingly easy and I highly recommend.

Lorraine McDonald

13:14 29 Mar 22

I found Richard Westman to be extremely helpful and informative on the whole process… He was very prompt at answering any queries that I had and I would definitely recommend him for other potential clients. He gave us loads of advice and put us on the plan that best suited our requirements… A pleasure to deal with.

Fergal Hehir

14:08 28 Mar 22

Super helpful and very efficient service. If you are looking to get sorted quickly and professio ally, ask for Claire. So pleased with the service and efficiency. Five stars are truly earned.

Saara Malmioja

10:00 28 Mar 22

Bernadine from LowQuotes was a joy to deal with while going through the stressful time of getting Mortgage approval. She kept on top of everything and made sure we had everything in place on time. I think i would have been under a lot more stress if we didnt have someone liks Bernadine on the case. I would definitely recommend.

Paula McGrath

15:34 25 Mar 22

Very quick in responding to you, Paul contacted me and did not try push high priced quotes on to me, quickly went over things with me and felt at ease throughout.Highly recommended 👌

Dean Jackson

20:23 24 Mar 22

Excellent service. Joshua was extremely helpful and provided a lot of guidance throughout the process. I would definitely recommend them.

Marius Dragomir

09:57 17 Mar 22

Multi‑Claim Protection Cover is a unique product offered by Royal London

Policy Features

Cover a broad range of seious range of illnesses such as hert attack or cancer treatment.
Life cover built into the policy
Your premium will nor change after a claim
Covers for big life impacts such as long hospital stays from serious accidents.
Cover availeable if you've previously been declined Serious Ilness Cover.
Ability to claim more than once(once not have cliamed 100% of sum assured.
Pays out a specific amount depending on the severity of the illness
Free One to One personal support to help your family cope with devastating effects of any illness or bereavement.
Ability to have Additional Life Cover separate from your MCPC
Children's cover and premature

MCPC Example

John is 35 and single with no children. He is a non-smoker.

He takes out a single life Multi-Claim Protection Cover policy to the amount of €80,000. He takes out the policy for a 20 year term.

His premium amounts to €23.68 per month.

Cover

€80,000

When diagnosed with cancer, John is referred for surgery in order to remove the tumor. 10% is paid out as an intermediate surgery is needed.

Multi Claim Protection Cover will therefore pay out 10% of Johns sum , i.e €8,000.

John is left with €72,000 to cover any future health setbacks covered under his policy.

Cover Remaining

€72,000

A few years prior to this John is diagnosed with testicular cancer. He is referred for radical inguinal orchiectomy at this time. During this time he also is refereed to chemotherapy and radiotherapy.

60% is paid out for his needed orchiectomy, radiography and chemotherapy fees equally between procedures.

Multi-Claim Protection Cover will now pay for 60% of John’s cover amounting to €48000.

So, now €56000 of John cover has been paid.

John is left with €24000 cover for any future health setbacks covered under his policy.

Cover Remaining

€24,000

Life Insurance

Tax free payout to your family if you pass away.

Get your quote

Serious Illness Protection

Tax free payout on diagnosis of up to 40 critical illnesses.

Get your quote

Mortgage Protection

Pay off your Mortgage if you pass away.

Get your quote

Speak to an Advisor

Unsure about any options on the form? Don’t know how much cover you need? Call our expert advisors for your free no obligation advice & quote.

Multi Claim Protection Cover Information

What is Multi Claim Protection Cover?

Multi Claim Protection Cover(MCPC) is a simple, cost-effective life and illness protection policy. MCPC pay outs are directly linked to the severity of certain health set backs that will cause difficulty in your day to day life.

It offers anyone the ability to claim on the policy issued, paying out multiple times over its length. The amount of protection covered vary from provider to provider, so it is important to speak to one of our advisors before making your choice.

You can fill out our easy to understand form for a free online quote comparison, or speak to one of our Qualified Financial Advisors who will assist you with getting a quote.

Why is Multi Claim Protection Cover Different?

Multi Claim Protection Cover is designed to give full financial support that will strategically align with the severity of a medical emergency or significant health impact on your wellbeing and lifestyle.

For instance some insurance policies will only pay out once for the specific serious illnesses after diagnosis, meaning you cant get that type of insurance again once the cover ends.

With Multi Claim Protection Cover even after a significant health setback has been claimed, as long as you have not claimed 100% of you cover you will still have cover in place for any potential impacts on your health and lifestyle.

What is health impacts are covered?

Multi-Claim Protection Cover is based on severity of health setbacks that will occur. Serious illnesses such as heart attack and cancer treatment covering all requirements. MCPC covers major incidences , such as long hospital stays and traffic accidents.

How is Multi Claim Protection Cover amount determined on severity?

Multi Claim Protection Cover is in line with the consequences of a serious illness or health setbacks. This is how Multi Claim Protection Cover is paid out multiple of times, by keeping up with advancements in medical technologies providing an exclusive cover

There are eight levels of severity that determine how much money will be paid out to make a claim. Based on the impact of the health difficulty and how it affects your lifestyle.

Claim Events for MCPC

Claims paid more than once – with cover that continues Thankfully there are great strides in medical diagnostics and treatments more efficiently.

It also means that more people are likely to be diagnosed with and be successfully treated for a serious illness.

For example, 1 in 2 people in Ireland will develop cancer during their lifetime. Illnesses are easily detected now, meaning any serious illness are having a smaller impact.

Example of what can you expect to pay for your MCPC: A single , non-smoker aged 39 who wants a sum assured of €100,000 for a 25 year term would pay €45.77 per month.

What is helping hand benefit?

Royal London’s Helping Hand gives you one to one Personal Support from Royal London.

This free extra includes:

Providing bereavement counsellors, speech therapists, face to face medical opinions, therapies, massages, physiotherapy for serious health issues
Cardiac rehabilitation support
Support for coping with cancer
Family support for the loss of a loved one

Main Differences between MCPC and Health Insurance.

Remember you can put Multi Claim Protection Cover in place in addition to your health insurance. Both insurance compliment each otehr. the table outline the main differences between Multi Claim Protection Cover and Health Insurance.

What does it pay out for ?

Who does it pay out to ?

Dos it pay out multiple times ?

It pays a guaranteed tax – free percentage of your full cover amount to help with monthly expenses.

Does it provide a financial payout on death?

Yes.

https://www.royallondon.ie/siteassets/site-docs/mcpc/rl-mcpc-brochure-dac.pdf

Multi Claim Protection Cover

Your Team

Multi Claim Protection Cover

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Multi‑Claim Protection Cover is a unique product offered by Royal London

Policy Features

MCPC Example

Related Products

Life Insurance

Serious Illness Protection

Mortgage Protection

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Multi Claim Protection Cover Information