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

Helena Dunne

Richard Westman

Alan Broderick

Google Reviews

Very professional and helpful. Had a great experience and I would recommend to everyone. In particular Colin who i dealt with was lovely and he made the whole process very easy and enjoyable from beginning to end. He was fantastic and he is an asset to the company.

Neasa N

09:21 03 Jun 23

Just recently signed up to life insurance with Richard who talked through it all with me until I fully understood everything. He suited the policy to my needs, I would recommend Richard to everyone he was so patient

Donna Sheridan

12:11 02 Jun 23

I was very happy with their service. They were nice and got back very fast with the best quote and helped me through the entire process. would definitely recommend them again.

Kieran Moroney

09:49 02 Jun 23

Shaun is an excellent rep to deal with explains all the options thoroughly and clearly.

Dan Burke

12:37 01 Jun 23

I found LowQuotes very helpful and their products saved me money. Customer services were also excellent.

James Newton

12:26 01 Jun 23

Was dealing with Dylan C who was helping me with mortgage protection. Absolute gent - so helpful and friendly and answered all my questions; nothing seems like too much trouble.

Darragh Hall

20:49 30 May 23

Delighted with the service from the Mortgage team. Thanks to them I was able to go from from Approval In Principal to Keys in hand in a few weeks

Evan O Donovan

14:12 30 May 23

Would definitely recommendVery helpful and easy to deal with

Marius Petcu

07:27 30 May 23

I needed a new insurance policy and Colin did a fantastic job at getting the best deal very quick and with minimum amount of hassle. Throughout the process he was very responsive and it was a pleasure to deal with. Great service! Definitely would recommend it.

Andrii Kryzhyk

19:17 29 May 23

Had a good experience going through details very helpful worth the timeThanks Dylan

Martin O'Halloran

20:57 26 May 23

Happy

Viviana Capicotto

17:55 26 May 23

Shaun young is really a nice guy to talk with and very clear in his communication.

Muhammad Asif Siddiqui

13:11 26 May 23

Thank you very much Richard for your more than helpful information. You made the process prompt and easy to complete, a wealth of knowledge in your field. Highly recommended.

sinead cronly

14:45 25 May 23

Great to deal with I would definitely recommend them to anyone 👍

james keegan

14:37 24 May 23

Set up mortgage protection in a very easy and efficient way with Richard.

helen flynn

10:22 24 May 23

Colin was excellent to deal with - very good customer service 👍

Eamonn Nicholas

19:16 23 May 23

Dillon was exceptional to deal with and answered every question I had. Delighted to have sorted my mortgage protection at a great rate 👍👍

Rachel Sheedy

12:24 22 May 23

Very please with my cover got best price and very quick good quality service fast effective thank you to Richard Westman 10/10 service

Sean Daly

16:00 19 May 23

Excellent service provided by Richard will recommend any one looking for life cove ask for Richard and he’ll give best and cheapest quote for insurance!

dil dil pakistan

13:20 19 May 23

I was very happy and my questions were answered. I have already recommended to my family about this company. Thank you.

Ashiline Finnegan

10:08 19 May 23

They made the whole process much easier and were very helpful, acted as a much needed barrier between us and the lender, for stupid questions and advice. John was a very patient and friendly guy, had plenty of laughs and felt the frustration from the lenders delaying tactics with us and we had him on the phone almost every day. I've already recommended to friends looking for mortgages and I know they're having a positive experience with them aswell. Much appreciated John, look forward to dealing with you again in the future.

Paul McLaughlin

09:32 19 May 23

Very Professional and prompt

International Recruitment and HR Consultants

10:11 18 May 23

We would 100% recommend low quotes. A very special shout out to Helena and Bernadine who both put in a lot of time and energy into helping us resolve so many problems we had with taking out our mortgage. Helena was on the other end of the phone whenever we needed her and is excellent at her job. Bernadine took the time to step in while Helena was away and got us over the line. 5 star guidance and commitment throughout. We couldn't have done it without them!

Laura Lynskey

15:51 16 May 23

Great service provided by Richard westman !! Efficient work, will definitely recommend to my friends and family.

Shiji Mathew

11:24 16 May 23

Friendly helpful staff.Thank you.

Jasmine Kelly

10:18 16 May 23

Fast and custom quotes with helpful advisor

Norb Seage

16:36 15 May 23

I enquired online for a new life and critical illness policy and received a call from a lovely lady called Claire. From the 1st minute she explained everything in detail and we are so relieved to have plans in place - will recommend her to everyone.

Lynne Fitzmaurice

14:39 12 May 23

I dealt with Richard today from low quotes with life insurance he was extremely helpful and made it incredibly easy with filling in forms and suiting my budget an needs he explained everything perfectly and very easy for me to understand so thank you Richard

Olivia Riordan

08:14 12 May 23

Spoke to Alan and he was really helpful. Sorted everything out really quick. Definitely recommended

Mikolaj Kukialka

16:21 09 May 23

So easy to deal with. Very friendly and accommodating. Follow up calls, answered email…. Niall was brilliant.Made the process very simple.

patricia lehane

14:50 09 May 23

I dealt with John and had a very good experience. Went from AIP to having a home in around 2 months. Would highly recommend.

Noel Fleming

10:12 09 May 23

Just closed on a house sale today, Bernadine guided me every step of the way. Couldn't have done it without her guidance and her patience. Always thankful. Highly recommended for first time buyer who needs the professionals to smooth the process.

Nuala Delaney

22:03 08 May 23

Very helpful & friendly when setting up both income and mortgage protection. Would recommend

Dominic Falvey

10:47 07 May 23

Advised LowQuotes I was unhappy with the renewal cost of my health insurance for my family, their advisor Shaun came back with equivalent cover with a reduced cost and explained the plans in detail. Would highly recommend LowQuotes to anyone looking to obtain value for money.

Jon Hurley

08:49 06 May 23

I have to say Colin Bailey was great dealing with. He couldn't be any clearer in explaining the in and outs. LowQuotes must be proud having him onboard. Best quote you can get from LowQuotes.Colin you are a great lad, keep it up and thank you again for sorting us out so quick and efficiently. No better man.

Ashley Ghoora

14:05 05 May 23

I thoroughly recommend LowQuotes. Special shout-out for Bernadine, who put a lot of time and energy into resolving my complicated financial requirements. Top class committment and guidance throughout. 5 Stars. Many thanks.

John O'Gorman

12:26 05 May 23

John was a great guy to deal with and sorted us out!

Stephen Doak

08:01 05 May 23

Brilliant service from Richard.Very professional and a pleasure to deal with.Stella and David boyle.

Kieran Boyle

18:40 04 May 23

Getting mortgage protection from LowQuotes was done in a few hours without any problems, our case has been dealt with in a very professional manner. In comparison, one of the incumbents on the market wanted to charge us around 50% more for the same protection, and were only ready to take my money within 5-7 working days.

Andras Gombosi

14:45 04 May 23

John was an absolute gentleman to deal with , took his time to explain everything to me and answer any questions I had 🙌

Andy Walsh

15:52 03 May 23

Helena was fantastic, precise and was very warm and friendly.

Eoin Miller

14:34 03 May 23

Great prices, very helpful support.

Luiz Bim (Guto)

10:11 03 May 23

Shaun called me after I applied for a quote online and he was so helpful and informative. He took his time to go through everything with me and was just lovely and pleasant to deal with.

Maria Donnery

15:12 02 May 23

Very professional and very helpful in every step of mortgage approval. Quick response all the time. Couldn't recommend enough. I was personally dealing with Bernardine and it was a pleasure. Thanks a lot.

Peter Smrek

17:31 01 May 23

Very easy to use. gives you up to date quotes and saves time

Mary O'Neill

11:15 29 Apr 23

Had an agent by the name of Richard he was absolutely brilliant and so helpful he took his time explaining everything to me and made sure he had the best plan in place for me and my son Jacob amd had no problems answering my questions would definitely recommend highly 😀 👍

Libby Curtin

14:23 27 Apr 23

very fast call back, salesperson Eimear was clear and pleasant

William Barry

09:17 27 Apr 23

Perfect

Linas Motuza

20:23 26 Apr 23

100% would recommend it to anyone.

Simona Motūzė

13:01 26 Apr 23

I’ve dealt with Clare on 2 occasions recently. The service is excellent, informative and very efficient. Would highly recommend to others.

Grace Mcmahon

21:12 25 Apr 23

Amazing people here. As a first time buyer I had no idea of how hard the mortgage process was going to be but they told me what I needed to do and what was going to happen every step of the way. It was a long 11 months with a few bumps along the way but they were with me explaining what was happening and what I needed to do. A big thanks to Niamh and Bernadine for getting me into my house. Thanks again.

Michael Macken

10:28 24 Apr 23

My experience with LowQuotes was that of total satisfaction. It was a very easy process from start to finish as John Hourigan helped me through the process with excellent advice my Life Insurance policy. The service is very prompt and efficient.I would highly recommend and would consider taking up business with this company again.Kind regardsLorrayne Thomas

Lorrayne Thomas

09:59 24 Apr 23

Very nice guy on d phone and very professional and helpful forgive me can't think of his name 😂

mag clarke

21:13 21 Apr 23

Recently took out life assurance with LowQuotes and was really impressed with them. Richard in particular was exceptional to deal with and advised me through every step with good advice. I felt like they were not just there to do a transaction but to offer the best support to help make the right decision- big thank you to Richard. I would recommend LowQuotes to anyone considering life assurance - a really professional outfit.

Colm Murray

15:57 21 Apr 23

I spoke with Shaun and had everything sorted in a day ! Excellent service. I got the policy best suited to my needs for my current circumstances. Quick and easy with minimum fuss. I would highly recommend as I have made real savings but still have adequate health insurance to cover my family.

Dermot Cullen

11:38 21 Apr 23

My advisor was very informative and polite from start to finish. He had great knowledge of your products and what best suited me.

Tracy Curran

10:24 21 Apr 23

John was lovely to deal with very helpful had great advice.

Nadine dargle

17:16 20 Apr 23

Niall was excellent went above and beyond helping us. Thank you

Hannah Gibbons

09:06 20 Apr 23

Highly recommended my broker Bernadine Day, she is very professional and helped me to get my mortgage completed very fast. Excellent experience with this company.

Graciela Poposka

16:47 17 Apr 23

Bernadine was a massive help throughout the mortgage application process. We can’t thank her enough for guiding us through every step and making the whole process a lot more straight forward.

Ciara Byrne

16:41 17 Apr 23

Alan was brilliant to deal with! Made the whole process easy and stress free! Can’t fault him at all!

Sue Foley

09:33 17 Apr 23

Great advice and help from Richard in sorting life insurance and illness cover. Would recommend low quotes to anyone for insurance. Great piece of mind to know we have what we need in place for a good price.

Eddie Condon

10:48 15 Apr 23

Bernadine was brilliant to deal with, she made everything so easy, was quick to respond to all my questions and was so helpful and patient along the way. Every step was explained and no question was too trivial. Would highly recommend Bernadine and lowquotes for anyone looking for a mortgage advisor.

Catriona

11:10 14 Apr 23

Richard Westman @ Lowquotes- professional, efficient and easy to deal with. Happy to recommend.👍

Narcisa Pantaleon

10:55 13 Apr 23

Cheapest insurance and not too pushy regarding trying to sell ad ons

Eliza Co

16:56 12 Apr 23

Fantastic help with the whole process

Kevin Moran

16:00 12 Apr 23

John was extremely helpful and efficient.. everything was done quickly and painlessly for me ..

Katrina Doyle

09:39 12 Apr 23

I filled out an online form to get a quote for mortgage protection and Helena made contact within a day. She went through everything with myself & my husband over the phone and got the best deal for us - saving us €24 a month! It was all sorted & new policy in place after three phone calls. Excellent service - would highly recommend

Fiona Lynam

17:37 11 Apr 23

Eimear was extremely helpful and offered a great service!! I would highly recommend Low Quotes!

Devon Flanagan

13:55 11 Apr 23

I had the pleasure of working with Bernadine in low quotes to get my mortgage for my first house. She was so helpful and professional, Bernadine was able to help me with every question or query I had. She explained everything to me in a way that I would understand and not leave me questioning what was the next step. I cannot recommend lowquotes mortages enough! I had a brilliant experience from day one , up until got me keys. All of the staff was so friendly to deal with, thank you again!

katie lee

17:09 07 Apr 23

Claire at LowQuotes was great to deal with! Really friendly and took the time to explain everything clearly and called us a few times to keep us up to date! Would recommend

laura t

17:16 06 Apr 23

Excellent experience, Claire was very friendly and knowledgeable, and had our insurance setup the same day. Thanks very much!

Patrick Cull

15:16 06 Apr 23

Very professional, quick and easy to deal with, would recommend

Mairead Toomey

15:15 06 Apr 23

Very happy with the professionalism and knowledge of Niall he was extremely helpful with all my queries and answered them all swiftly. Lowquotes are lucky to have Niall on their team.

DOUGLAS TORMEY

13:29 06 Apr 23

I found Alan from Low Quotes professional, friendly and most helpful in finding me the most suitable cover for my family

Sinnott Tina

14:35 05 Apr 23

We have received Top Service from Maeve regarding our Mortgage Protection policy and we highly recommend her.

Ola Wilson

14:08 05 Apr 23

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

09:34 05 Apr 23

I was dealing with Richard Westminster I couldn't have been happier with the service when talking with him on the phone he explained all the details of my plan and what I needed in terms that I could understand very down to earth I would definitely recommend him I also had to contact him a week later with a follow-up question you can get him on his direct line and he death with my query that day ...very happy customer 5 stars

luke c

14:00 04 Apr 23

Quick and easy to deal with. Richard was very helpful

Rebecca Doorley

11:22 04 Apr 23

Great customer experience!!! Richard from low quotes really gave the expert advance I was seeking in arranging my life assurance cover.Very efficient, honest and realistic with no time wasting suggestionsWould highly recommend

edwina doran

20:35 31 Mar 23

Dealt with Alan, very nice guy to deal with and the level of service was fantastic 👏

Brendan Molloy

15:58 31 Mar 23

Top class and very professional. Eimear was so helpful and explained everything very clearly. Very easy to deal with, would highly recommend this company.

James Doran

12:30 31 Mar 23

Loved dealing with Michael, fast and very efficient process. Thanks

Sandra Nugent

11:47 31 Mar 23

Good quotes, good communications

luna doran

15:22 30 Mar 23

Alan’s service from start to finish was absolutely superb! Alan explained everything in depth and made sure he was getting us the best price, true to his word he would return all calls and we were delighted to go with Low Quotes due to Alan, the price he offered and the A class customer service! We will be back 🙂

Rebecca Kavanagh

14:19 30 Mar 23

The advice and information l get from the agent Alan Brodick l am happy about glad I make the right decision

catherine lawani

14:19 30 Mar 23

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