Enter your mortgage cover amount to find the best policy for you
Enter the remaining amount owed on your mortgage to get started. Don’t worry about getting it right at this stage, we’ll talk you through it.
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What is mortgage protection?
Mortgage Protection is a form of life insurance designed to pay off your mortgage should you die before the end of the term.
What are the benefits?
Mortgage Protection is a compulsory part of the mortgage application process. A policy needs to be in place before a mortgage can be drawn down.
Read our Quickstart Guide.Why use a broker?
Our advisers will explain the benefits and details of each policy on the market and match the most suitable one to you.
Get a free Mortgage Protection Insurance quote.
Our partners
Compare and apply for mortgage protection quotes from Ireland’s leading insurers.
Policies are available 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 about your mortgage
- Tell us about you
- Compare quotes & apply
What do I 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
bonkers.ie is free
Believe it or not, comparing and applying for mortgage protection policy on bonkers.ie is entirely free.
Once you apply for and purchase a policy from an insurance provider through bonkers.ie, we receive a commission from the insurer.
We're regulated
Bonkers Money Limited, trading as bonkers, is regulated by the Central Bank of Ireland.
This reflects our continued commitment to providing independent, impartial, and accurate information and services.
Things to consider
Mortgage protection insurance is a compulsory part of the mortgage process. To ensure the process goes as smoothly as possible, here are some things to consider.
- Types of cover
There are three main types of life insurance available:
- - Single: Covers one person
- - Joint: Covers two people with one payout
- - Dual: Covers two people and pays out twice
- The right time to apply
The perfect time to apply for mortgage protection is four to six weeks before you intend to draw down your mortgage.
This gives the insurance company enough time to process your application and for any required medical checks to be completed.
- Can I use my life insurance instead?
For most people, mortgage protection will be required.
However, you can use an existing life insurance policy if it is equal to the value of your mortgage and has the same term.
Cooling off period
You can cancel your policy within 30 days of purchasing without penalty.
This is known as the cooling off period. Check your policy's terms and conditions for information on potential fees.
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This exemplifies our commitment to excellent customer service.
