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.

Google Reviews

LowQuotes.ie
4.9
Based on 1203 reviews
Silvester B.
Silvester B.
Very good service
Gareth E.
Gareth E.
Cormac was very responsive and super helpful. We can always pick up the phone and get hold of him, and he responds very quickly via email. Definitely using LowQuotes.ie again.
Response from the owner: Hey Gareth,We’re thrilled to hear about your positive experience with Cormac! Providing responsive and helpful service is what we strive for, so it’s great to know he was able to assist you quickly and efficiently. We truly appreciate your trust in LowQuotes.ie and look forward to helping you again in the future!Best Regards,The LowQuotes Team
Sayyada Z.
Sayyada Z.
Low Quotes guys are superb. Fantastic service
Response from the owner: Hey Sayyada,Thank you for your kind words! We’re delighted to hear that you found our service fantastic. Your support means a lot to us! If you ever need anything in the future, we’re always here to help.Best Regards,The LowQuotes Team
Anne Marie Mc G.
Anne Marie Mc G.
Ross was really nice & helpful going through the mortgage protection with us.
Response from the owner: Hey Anne Marie,We’re so glad to hear that Ross was able to guide you through your mortgage protection and make the process easier for you! We appreciate your feedback and are always here to help if you need anything in the future.Best Regards,The LowQuotes Team
Cathy K.
Cathy K.
Shaun explained the policy to me as applicable to my health needs in simple understandable terms which was really great. He answered all my questions simply. Really great advice and I was very happy I contacted low quotes today.
Response from the owner: Hi Cathy,Thank you for your kind review! We’re delighted to hear that Shaun was able to explain everything clearly and provide you with great advice tailored to your needs. Making the process simple and easy to understand is exactly what we aim for, so it’s fantastic to know you had such a positive experience.If you ever have any further questions or need assistance in the future, don’t hesitate to reach out. We truly appreciate your feedback and for choosing LowQuotes!Best regards,The LowQuotes Team
Sara W.
Sara W.
A huge THANK YOU to Niamh McCaul, our primary point of contact at LowQuotes.ie, during a two-year mortgage approval process. She stayed on top of our case, was extremely responsive, and helped us overcome every obstacle along the way.
Response from the owner: Hi Sara,Thank you for your wonderful review! We’re so pleased to hear that Niamh provided you with exceptional support throughout your mortgage approval process. A two-year journey can be challenging, and we’re delighted that she was able to stay on top of everything, offering guidance and responsiveness every step of the way.We truly appreciate your kind words and for choosing LowQuotes. If you ever need any further assistance in the future, don’t hesitate to reach out. Wishing you all the best in your new home!Best regards,The LowQuotes Team
Sarah H.
Sarah H.
Great service. We needed to get everything in place as fast as possible when buying a house and Aoife was absolutely fantastic. Great communication, had everything sorted so quickly and made it very easy for us. Would highly recommend.
Response from the owner: Hi Sarah,Thank you for your wonderful review! We’re delighted to hear that Aoife was able to assist you so efficiently during such an important time. We understand how crucial it is to have everything in place quickly when buying a home, and we’re so glad she made the process smooth and stress-free for you.We truly appreciate your recommendation, and if you ever need any further assistance in the future, don’t hesitate to reach out. Wishing you all the best in your new home!Best regards,The LowQuotes Team
Liz R.
Liz R.
I won't lie I came upon lowquotes by accident when in a flurry of trying to organise insurances. Thankfully after I got a quote online an agent called Dylan Chadwell called me to follow up. He was such a pleasure to deal with and he explained everything without technical jargon. I am so grateful because within 48 hours I went with one of the polices he recommended. I would not hesitate to recommend them.It's lovely to deal with real people and Dylan seems like one of the nicest!
Response from the owner: Hi Liz,Thank you for your fantastic review! We’re so glad that even by accident, you found us – and even happier to hear that Dylan was able to guide you through the process with ease. Ensuring that our clients receive clear, jargon-free explanations and the best recommendations is exactly what we strive for, and we’re delighted Dylan made the experience a positive one for you.We truly appreciate your recommendation, and if you ever need any further assistance, don’t hesitate to reach out. Wishing you all the best!Best regards,The LowQuotes Team
Samantha M.
Samantha M.
I dealt with Cormac Logue and he was excellent. Went through the process there and then with me and was extremely informative. I highly recommend Cormac.
Response from the owner: Hi Samantha,Thank you for your kind review! We’re delighted to hear that Cormac provided you with such excellent service and made the process clear and informative. Ensuring our clients feel supported and well-informed is always our priority, so your feedback means a lot.We truly appreciate your recommendation, and if you ever need any further assistance, don’t hesitate to reach out.Best regards,The LowQuotes Team
Colette O R.
Colette O R.
Aoife Morgan was fantastic to deal with and was so obliging and informative.
Response from the owner: Hi Colette,Thank you for your kind review! We’re delighted to hear that Aoife provided you with such informative and helpful service. She is a valued member of our team, and we’ll be sure to pass along your kind words.If you ever need any further assistance, don’t hesitate to reach out. We truly appreciate your support!Best regards,The LowQuotes Team
Michael E.
Michael E.
I was referred to Cormac by my cousin, and he truly lived up to the recommendation! He helped me secure mortgage protection at a very reasonable price, ensuring every detail was explained thoroughly along the way. Cormac was the epitome of professionalism—helpful, knowledgeable, and incredibly approachable.He made what could have been a daunting process feel seamless, taking the time to address all my questions and provide tailored advice that suited my needs. I couldn’t have asked for better support.Thank you, Cormac, for your expertise and dedication. I’ll gladly recommend you to anyone in need of Mortgage Protection.
Response from the owner: Hi Michael,Thank you for your fantastic review! We’re delighted to hear that Cormac provided such a seamless and professional experience while helping you secure mortgage protection at a great price. Ensuring our clients fully understand their options and feel supported throughout the process is a top priority, so your kind words mean a lot.We truly appreciate your recommendation and are so glad Cormac lived up to your expectations. If you ever need any further assistance, don’t hesitate to reach out.Best regards,The LowQuotes Team
Aisling
Aisling
Easy to use website & helpful staff that call back quickly to discuss quotes & the options of insurance policies available.Within the 1 hour phonecall with Dylan, I had my policy set up & organised.Dylan was very helpful as he broke down all of the jargon, in an industry that I am not too familiar with. This helped the process and I felt supported throughout.I would recommend to a friend or family member. In fact, i've recommended the service to family already.
Response from the owner: Hi Aisling,Thank you for your wonderful review! We’re delighted to hear that you found our website easy to use and that our team was able to assist you quickly.Dylan will be so pleased to know that he helped make the process smooth and straightforward for you. Breaking down the jargon and ensuring our clients feel supported is something we strive for, so your feedback means a lot to us.We truly appreciate your recommendation to your family and friends – that’s the highest compliment we could receive! If you ever need any further assistance, don’t hesitate to reach out.Best regards,The LowQuotes Team
Sean W.
Sean W.
I can't recommend Aoife Morgan from Low Quotes highly enough! She was absolutely fantastic in helping me and my girlfriend sort out our life insurance policy. Aoife was professional, knowledgeable, and incredibly helpful every step of the way, making what could have been a stressful process so much easier. She took the time to explain everything clearly and made sure we found the best policy for us. Her friendly and approachable manner made the experience a pleasure.
Response from the owner: Hi Sean,Thank you so much for your thoughtful review and for sharing your experience with us! We’re thrilled to hear that Aoife Morgan provided you and your girlfriend with fantastic support in sorting out your life insurance policy. Aoife is indeed a valued member of our team, and we’ll be sure to pass along your compliments to her.It’s wonderful to know that her professionalism, knowledge, and approachable manner made the process easier and more enjoyable for you. Helping our clients find the best policy to suit their needs is always our top priority, and your feedback means a great deal to us.If you have any further questions or need assistance in the future, please don’t hesitate to reach out. Wishing you both all the best!Best regards,The LowQuotes Team
Sinead
Sinead
Really happy with the professional service from Craig at Low quotes. He explained everything clearly and was easy to understand. Very helpful thanks
Response from the owner: Hi Sinead,Thank you for your kind review and for sharing your experience with us! We’re delighted to hear that Craig provided you with a professional and clear service. Helping our clients understand their options and find the best solutions is always our priority.We’re so glad you found the process helpful and straightforward. If you have any further questions or need assistance in the future, please don’t hesitate to reach out.Best regards,The LowQuotes Team
Muhammad Noman J.
Muhammad Noman J.
Accurate and efficient.
Response from the owner: Hi Muhammad,Thank you for your kind review! We’re delighted to hear that you found our service accurate and efficient. Providing a seamless and reliable experience is always our goal, so your feedback means a lot to us.If you have any further questions or need assistance in the future, please don’t hesitate to reach out. We’re always here to help!Best regards,The LowQuotes Team
Clarke K
Clarke K
Service is quick and easy to use
Response from the owner: Hey Clarke,We’re delighted to hear that you found our service quick and easy to use! Your feedback is greatly appreciated, and we’re glad to know that our process worked well for you. If you need any further assistance, don’t hesitate to reach out!Best Regards,LowQuotes Team
Roisin L.
Roisin L.
I can't praise Neil enough. We were under serious time pressure and he kept us updated the entire time. An absolute treasure to have working for low quotes.
Response from the owner: Hey Roisin,We’re thrilled to hear about your positive experience with Neil! It’s great to know he kept you updated and helped you navigate through the time pressure. We truly appreciate your kind words, and we’re lucky to have Neil on our team. If you ever need anything else, feel free to reach out!Best Regards,LowQuotes Team
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Benefits of Royal London Multi-Claim Protection

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.

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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

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.

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.

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. 

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.

 

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. 

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

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