Multi Claim Protection Cover

A smart alternative to Serious Illness Cover.

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Multi Claim Protection Cover

Multi-Claim Protection Cover is a unique, severity-based policy that protects you from a broad range of possible health setbacks that may impact your daily life. It offers anyone the ability to claim on the policy issued, paying out multiple times over its length. Once you have not claimed 100% of your cover, it will still be in place and be available to claim from until the full amount has been reached.

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LowQuotes.ie

4.9

Based on 1403 reviews

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Darlene D.

Cormac was a huge help in getting our policies set up. Very knowledgeable and friendly. We would absolutely recommend Low Quotes.

Demi M.

Signed up for life insurance with Craig and it was a super easy process. Craig was very knowledgeable and helpful throughout. He was more than happy to answer any additional questions we had. Would definitely recommend LowQuotes as we got the best price with them!

Response from the owner: Hey Demi,We’re delighted to hear about your positive experience with Craig. It’s great to know he was able to explain everything clearly and secure a great deal for your life insurance. We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team.

Vamsi C.

Colin Bailey is very professional in customer handling and he explained the total process in a very smooth and easy way for our understanding. Highly recommend this service.

Response from the owner: Hey Vamsi,We’re delighted to hear about your positive experience with Colin Bailey. It’s great to know he was able to explain everything clearly and guide you through the process with ease. We aim to make the journey as smooth and understandable as possible, so your feedback really means a lot!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

katie O.

I would like to thank Ross kirwan for helping me sort out the right life insurance policy for myself and my husbandHe was very patient, great to deal with throughout . He couldn't be anymore helpfulHe also kept in touch with us throughout the whole process

Response from the owner: Hey Katie,We’re delighted to hear about your positive experience with Ross Kirwan. It’s great to know he was patient, helpful, and guided you and your husband through the whole process with care. We aim to make things as smooth and clear as possible, so your feedback means a lot!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

william C.

I would like to thank Ross kirwan for helping me sort out the right life insurance policy for myself and my wifeHe was patient and kept in touch with us throughout the whole process

Response from the owner: Hey William,We’re delighted to hear about your positive experience with Ross. It’s great to know he was patient and supportive in helping you and your wife find the right life insurance policy. We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

Sinead Egan (Sinead E.

Had a really positive experience dealing with Niamh for my life insurance policy over the last few weeks.She was extremely professional, informative, prompt and efficient and is a wonderful asset to low quotes!Thanks Niamh for answering my never ending questions with ease and helping me understand everything in full!I will definitely be recommending her to others!

Response from the owner: Hey Sinead,We’re delighted to hear about your positive experience with Niamh. It’s great to know she was professional, informative, and made the process so clear and easy for you. We truly appreciate your kind words and recommendation — it means a lot!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

Harshini P.

We’d like to extend our sincere thanks to Ross for his outstanding support in helping us get sorted with our Mortgage Protection. His persistence in following up with multiple insurance providers and dedication to finding us a product that fits our needs is truly appreciated. His proactive communication and commitment to delivering a smooth experience made the entire process hassle-free. Thank you once again for your excellent service

Response from the owner: Hey Harshini,We’re delighted to hear about your positive experience with Ross. It’s great to know he was proactive, persistent, and made the process of setting up your Mortgage Protection smooth and hassle-free. We really appreciate your kind words and are glad we could assist you in finding the right cover.If you have any further questions or need support down the line, don’t hesitate to reach out.Best Regards,LowQuotes Team

Jade L.

I contacted for a quote for life cover as I now have a son. Neil called me today and was so lovely. Very professional and sufficient. The price was low and in my budget! It doesn't have to cost a fortune to cover yourself. I now have peace of mind for my baby if anything did happen. Neil is an asset to your company.Kind regards,Jade

Response from the owner: Hey Jade,We’re delighted to hear about your positive experience with Neil. It’s great to know he provided such professional and friendly support while helping you secure affordable life cover. Your peace of mind is exactly what we aim for, especially when protecting what matters most.Thanks so much for your kind words — we’ll be sure to pass them on to Neil!Best Regards,LowQuotes Team

Pramod C

I had a great experience with LowQuotes.ie. Aoife was incredibly helpful throughout the entire process — she took the time to explain everything clearly, answered all my questions patiently, and helped me find the best quote that suited my needs. Her professionalism and friendly approach made the whole process smooth and stress-free. Highly recommend both LowQuotes.ie and Aoife for anyone looking for great service and value.

Response from the owner: Hey Pramod,We’re delighted to hear about your positive experience with Aoife. It’s great to know she was able to explain everything clearly, answer all your questions, and help you find the best quote to suit your needs. We always aim to make the process as smooth and stress-free as possible, so your kind words mean a lot!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

Tim H.

Excellent Service - Their representative Shaun Young was particularly good. Made it very easy. Got through everything quickly and easily. Ring here - ask for Shaun Young to sort you.

Response from the owner: Hey Tim,We’re delighted to hear about your positive experience with Shaun Young. It’s great to know he was able to explain everything clearly and make the process quick and easy for you. We aim to make things as smooth and straightforward as possible, so your feedback means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

Christina K.

Had the absolute pleasure of dealing with Seamus who was not only an absolute gentleman but extremely helpful. Mortgage protection had been the most stressful part of the process so far from brokers who were no help or just didnt want to help but Seamus turned it into a breeze. He had cover for us within 6 hours, explained everything in detail and went out of his way to make it as easy as possible. I honestly cannot thank him enough. If only every broker was as this helpful and understanding.

Response from the owner: Hey Christina,We’re delighted to hear about your positive experience with Seamus. It’s great to know he was able to explain everything clearly and turn what had been a stressful process into something smooth and easy. We aim to make things as straightforward and supportive as possible, so your feedback really means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team.

Celiwe M.

Colin was really amazing to talk to, he really helped me navigate through everything.He is really good at what he does.

Response from the owner: Hey Celiwe,We’re delighted to hear about your positive experience with Colin. It’s great to know he was able to guide you through everything clearly and provide the support you needed. We aim to make the process as smooth and helpful as possible, so your feedback means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team.

Tiernan D.

Craig was just fantastic to deal with. I honestly couldn’t recommend him enough. He made the whole process easier than any other company we had gotten a quote from. Everything was explained so well and he had all the answers to our questions. His professionalism and knowledge is the best I’ve come across. It was by far the smoothest part of our mortgage journey so far dealing with Craig!

Response from the owner: Hey Tiernan,We’re delighted to hear about your positive experience with Craig. It’s great to know he was able to explain everything clearly and make the process easier than with any other company. We aim to make things as smooth and understandable as possible, so your feedback means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team.

Holly B.

5* service from Conor! He rang me up initially about a year ago when I did a quote online, I was looking purely out of curiosity as we had just started our 1st home journey. I told him we were not ready yet but would keep him in mind. He followed up conveniently just as we had found a house. He went through all the quotes and every detail so thoroughly, I knew what I was getting into. He set up policies for my partner and I and made it so simple and he was always there at the other end of the phone or email if we had questions. I highly recommend asking for him if you go with lowquotes. Thanks again Conor!

Response from the owner: Hey Holly,We’re delighted to hear about your positive experience with Conor. It’s great to know he was able to explain everything clearly and support you throughout your journey—from the initial quote to setting up your policies when the time was right.We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

Jennifer D.

⭐ Testimonial for Séamus and Courtney at Low QuotesWe genuinely cannot put into words how grateful we are to Séamus and Courtney at Low Quotes for everything they have done for us. Securing mortgage protection was by far the most difficult and emotionally exhausting part of our home buying journey, and after being let down by multiple brokers who either gave up on us or offered no real guidance, we had almost lost hope.Séamus and Courtney were the only two people who not only took the time to understand our situation, but who gave us real support, reassurance, and above all solutions! From the very beginning, they were compassionate, responsive, and entirely committed to helping us overcome the challenges we faced due to a complex medical issue. Where others simply said “no,” they said, “let’s find a way.”They gave us their personal phone numbers, kept us updated daily, and guided us through every step of the process from gathering medical documentation, to structuring our application, to understanding exactly how underwriting would work. They were open, honest, and incredibly knowledgeable. But more than that, they treated us like people, not just a case.We can say without hesitation that we would not have secured mortgage protection and therefore our home without their help. Thanks to Séamus and Courtney’s dedication and industry insight, we are now moving into our forever home. This was not just exceptional service this was the best customer experience we’ve ever had, in any industry.We will never forget what they did for us, and we will be recommending Low Quotes to absolutely everyone we know.From the bottom of our hearts — thank you Séamus and Courtney. You’ve changed our lives.Jennifer & Mark

Response from the owner: Hey Jennifer & Mark,Thank you so much for your heartfelt review. We’re truly moved by your kind words and so glad that Séamus and Courtney were able to support you through such an important and emotional part of your home-buying journey.It’s incredible to hear how their dedication, compassion, and persistence made a real difference. At LowQuotes, we believe every client deserves to be treated with care and understanding, and your story is a powerful reminder of why we do what we do.We’re absolutely delighted that you’re now moving into your forever home — what an amazing milestone! Séamus and Courtney will be so proud to know they helped make that possible.Wishing you all the best in this exciting new chapter, and thank you again for trusting us and sharing your experience. If you ever need anything in the future, we’re always here.Best regards,LowQuotes Team

Luboslava S.

Niamh was really helpful and patient with all our questions and issues during our journey. Thank you

Response from the owner: Hey Luboslava,We’re delighted to hear about your positive experience with Niamh. It’s great to know she was so helpful and patient throughout your journey. We always aim to provide clear, supportive guidance, so your feedback truly means a lot!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best regards,LowQuotes Team

Joachim F.

Exceptional service, Colin and Courtney went above and beyond to get my policy sorted, it was a tough task but they stayed the course and got it sorted. Genuinely cannot recommend them enough.

Response from the owner: Hey Joachim,We’re delighted to hear about your positive experience with our team. It’s great to know they went above and beyond to get your policy sorted, even with the challenges involved. We always aim to make the process as smooth and stress-free as possible, so your feedback really means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best regards,LowQuotes Team

Benefits of Royal London Multi-Claim Protection

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

Understanding Multi-Claim Protection Cover: A Case Study

Multi-Claim Protection Cover is designed to provide comprehensive financial support in the event of serious health issues by paying out a portion of the total coverage amount as needed. Here’s how it works, illustrated through John’s experience:

Initial Policy and Coverage

Profile: John, age 35, single, non-smoker.
Policy: Single life Multi-Claim Protection Cover for €80,000 over a 20-year term.
Premium: €23.68 per month.

First Claim: Cancer Diagnosis

Health Issue: John is diagnosed with cancer and requires surgery.
Payout: 10% of the total cover (€8,000) is paid out for surgery costs.
Remaining Cover: €72,000 left for future health issues.

Second Claim: Testicular Cancer Diagnosis

Health Issue: John is later diagnosed with testicular cancer, requiring extensive treatment.
Payout: 60% of the total cover (€48,000) is paid out for treatments.
Remaining Cover: €24,000 remaining for future health setbacks.

Through this Multi-Claim Protection Cover, John receives timely financial support for his medical expenses, ensuring that he can focus on recovery without the burden of financial stress. This type of policy allows multiple claims, reducing the total coverage amount available with each payout, but ensuring continuous support through various health challenges.

If you want to learn more and explore all the details about the multi-claim protection cover, please click here.

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Your Questions Answered

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

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Multi Claim Protection Cover