Get matched with Mortgage Protection that's right for you
Our free broker service will find mortgage protection cover tailored to your needs.
Enter your mortgage cover amount
Bonkers Money Limited, trading as bonkers, is regulated by the Central Bank of Ireland.
Our partners
Apply for mortgage protection from Aviva, Irish Life, New Ireland, Royal London Ireland and Zurich Life.
How to get mortgage protection
bonkers.ie makes it easy to compare and apply for mortgage protection in Ireland.
Tell us the cover you require
Tell us about you
Compare quotes & apply
What you need to get started
Knowledge of the amount of cover you require
Your mortgage draw down date
Information on any additional persons
Your contact details
We're trusted by over a million Irish households every year
bonkers.ie is free
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
Types of cover
- There are three main types of mortgage protection insurance available:
- Single: Covers one person
- Joint: Covers two people with one payout
- Dual: Covers two people and pays out twice, one to each person.
The right time to apply
Existing life insurance
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
Don't default to your bank
Mortgage protection is obligatory for most people who want to get a mortgage in Ireland. But many make the mistake of taking it out with their bank. You're free to shop around for the best value policy.
In my experience, a quick search on bonkers.ie can easily save you €10 or €15 a month. And as mortgage protection must last the same length as your mortgage, this equates to a saving of several thousand euro over the life of your policy.
Daragh Cassidy
Consumer Expert at
As featured on
Your questions, answered
What does mortgage protection cover?
Mortgage Protection primarily covers the remaining balance of your mortgage loan if you or one of the insured parties passes away during the policy term. You can also add serious illness cover which pays out a lump sum if you are diagnosed with a specified serious illness to clear your mortgage or other costs.
Why do we need mortgage protection insurance?
Mortgage protection insurance is usually a legal requirement for getting a mortgage in Ireland. However, it also protects your loved ones from the burden of mortgage debt should something unexpected happen to you. It ensures they can keep their home, providing them with security during a challenging time.
How much does mortgage protection cost in Ireland?
The cost of mortgage protection in Ireland varies based on several factors including your age, health, whether you're a non-smoker, the policy term and the amount of cover needed. The best way to find the lowest rates and best value is to compare quotes from multiple providers for free on bonkers.ie.
Can I switch my mortgage protection policy?
Yes, absolutely! If you already have a mortgage protection policy, you can switch to a new provider. Many people switch to save money on their monthly premiums or to get better terms. Comparing options on bonkers.ie makes it easy to see if you could get a better deal on your existing cover.
What happens if I move house or remortgage?
A new mortgage usually means a new mortgage protection policy, tailored to your new borrowed amount and term. If remortgaging, you may need to update your policy. It is advisable to double-check with your lender and insurer to avoid a situation where a claim ends up getting denied.
Why bonkers.ie as your mortgage protection broker?
Our insurance advisers 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 Mortgage Protection Insurance.
Independent Service Rating based on 7263 verified reviews. Read all reviews
Good service
Easy to navigate and quick
Mr michael hunter
- 1 day ago
Excellent
Customer
- 1 day ago