Compare Mortgage Protection
bonkers.ie provides a comprehensive mortgage protection insurance comparison service in Ireland.
With bonkers.ie, you can find a cheap mortgage protection quote from one of Ireland’s major insurers, such as Aviva, Friends First, New Ireland, Royal London or Zurich Life.
Whether you’d like a single policy, a joint policy or a policy with serious illness cover, bonkers.ie can help you find the mortgage life insurance policy that best suits your unique requirements. We search a wide range of policies across multiple insurers and produce a mortgage protection insurance quote for you in seconds.
Mortgage insurance is compulsory for all mortgage holders in Ireland, but many people are paying more than they have to. By comparing mortgage protection policies with bonkers.ie, you can find a new mortgage protection policy and switch to a new insurer to save money.
We are a regulated, impartial and secure service meaning that you can rest assured that our information is up-to-date, accurate and reliable.
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A Mortgage Protection policy pays out the remainder of your mortgage repayments in the event that you die over the course of the loan. Mortgage Protection premiums depend on the features of the mortgage, as well as your health, age and gender.
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What is accelerated serious illness cover?
Accelerated serious illness cover is a type of cover that can be taken out as an add-on to a mortgage protection or life insurance policy. It pays out a tax-free lump sum if you are diagnosed with an illness specified in your policy or if you die within the term of your policy. Two sums will not be paid out over the course of your policy, unless you only receive part of your cover in the first instance.
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A joint policy covers two people. If one of the people covered under a joint policy dies, the other person will receive a lump sum, outlined under the terms of the policy. A joint policy ends once a payment is made and both individuals must be covered for the same amount.
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Your occupation can have an influence on your premium, with some occupations deemed ineligible for cover due to the nature of the work involved.
- 'Class 1' refers to white-collar jobs, which have no appreciable health or accident risk.
- 'Class 2' refers to white-collar and administrative roles, some of which may involve driving.
- 'Class 3' refers to skilled occupations, which require some manual duties.
- 'Class 4' refers to other skilled roles, which involve extensive manual duties, such as those involved with construction work.
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Reviewable premiums are reviewed every 5 years.
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Guaranteed Rates ensure that your premium will never change, unless indexation is chosen.
