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Bonkers Money Limited, trading as bonkers, is regulated by the Central Bank of Ireland.
Our partners
Apply for income protection from Irish Life, Royal London Ireland and Zurich Life.
How to get income protection
bonkers.ie makes it easy to compare and apply for income protection in Ireland.
Tell us your annual income
Tell us about you
Compare quotes & apply
What you need to get started
Knowledge of the amount of cover you require
Your estimated retirement age
Your contact details
We're trusted by over a million Irish households every year
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Applying for a policy on bonkers.ie is completely free. When you switch with us, we receive a commission from the provider.
bonkers.ie is always 100% impartial, so these agreements don’t affect the results or information you see.
We're regulated
Bonkers Money Limited, trading as bonkers.ie, is regulated by the Central Bank of Ireland. This has been the case since 2013.
This reflects our continued commitment to providing impartial and accurate financial advice, information and services.
Things to consider
Deferral period
Escalation and indexation
Your job
Cooling off period
You can cancel your policy within 14 days without penalty.
This is known as the cooling off period. Check the terms and conditions for information on potential fees.
Industry recognised broker
bonkers.ie is the winner of two categories at the Broker Expert Awards, run by Brokers Ireland.This exemplifies our unwavering commitment to excellent customer service.
EXPERT TIP
Better value than it seems
In my opinion, income protection is better value than meets the eye. This is because you get tax relief at your highest rate of tax on the premiums you pay to help with affordability. As a result, the real cost is reduced. This gives exceptional peace-of-mind for the investment.
At bonkers.ie, we work with all the country’s leading life insurers and can help you find an income protection policy for your needs at the right price.
Daragh Cassidy
Consumer Expert at
As featured on
Your questions, answered
What is income protection?
Income protection insurance is an insurance policy that pays you a regular income if you become unable to work due to illness or injury. It replaces a portion of your lost salary, typically up to a set percentage. This monthly income helps cover essential living expenses like your mortgage, rent and living costs.
What does income protection protect against?
Income protection insurance shields your financial well-being if you can't work due to illness or injury. It provides a replacement income to cover various conditions from physical accidents to mental health issues. This prevents a significant drop in your household income, especially when sick pay runs out.
Is income protection worth it?
Income protection is often worth considering for financial security if you suddenly can't work due to illness or injury. It ensures you can still cover essential living costs like your mortgage and bills. Relying solely on savings or state benefits might not suffice, especially with dependants.
How much does salary protection cost?
The cost of salary protection varies. Insurers consider your age, health, occupation, amount of income you want to protect and your deferral period. Younger, healthier individuals in low-risk jobs pay less. You may also qualify for tax relief on your premiums which can make this cover more affordable.
Who qualifies for income protection insurance?
Most employed or self-employed individuals with a regular income can qualify. Generally, you need to be working full-time. Insurers usually conduct a medical assessment and consider pre-existing conditions. Eligibility criteria vary so it's best to check with a broker for a suitable income protection plan.
Why use bonkers.ie as your income protection broker?
Our insurance advisors will explain the benefits and details of each policy on the market and match the most suitable one to you, all for free. This is included as part of our free broker service offered for a range of products including protection insurance and mortgages. Get income protection insurance.
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