Insurance Mortgage Protection

Mortgage Protection

Keep your home safe as houses for just €2.50 a week*

Call us (01) 408 6288

*Subject to a minimum premium of €10 per month for Mortgage Protection Plans and Level Term Plans.

What is mortgage protection?

Mortgage protection safeguards your home. It pays off your mortgage if you die, so your loved ones are secure. It’s vital cover, from the day you buy your home until your mortgage is paid. Here's what we do for you...

  • Review your cover

    by telephone or video call from the comfort of your home, which could save you time and money

  • Extra 2.5% discount

    With us you can enjoy another 2.5% off on Aviva policies (subject to a minimum premium of €10 per month).

  • Access to a range of other benefits

    including Aviva’s Best Doctors Second Medical Opinion and Family Care**

Things to think about

Why review my cover?

As you pay off your mortgage, the level of cover you need changes. A mortgage protection review will guarantee you're covered for your current needs.

With a review, you may find you’re over or under-insured, or that you can make savings. Make sure you’ve got the right mortgage protection to fit your life.

More than one mortgage?

It's important to check that your mortgage protection is appropriate for the value of the property and term of the mortgage. You also need to make sure that your mortgage protection covers both you and your partner.

If you have more than one mortgage, then you may also have more than one mortgage protection policy (one for each property).

Remember, only your principle residence requires mortgage protection but to make sure you are protected in the event of death, you should cover both properties.

Different cover, new benefits

Not all mortgage protection policies are the the same. Providers are always updating and improving their cover, and releasing new products. So it makes sense to review and shop around. 

Don't let your cover fall short

Keep in mind that what you need to be insured for compared to what you're actually insured for... may differ! A protection shortfall is where you’re not covered for what you need to protect. This could be you if you need extra cover but haven’t reviewed your policy to include this. An example would be getting married or if your mortgage value has changed.

Remember when re-mortgaging…

It’s vital to ensure your cover is right for your new mortgage and any life changes.

Since you bought your first house, your protection needs may have changed. Children, financial status and lifestyle changes can all be factors.

If you remortgage your house, make sure your mortgage protection value matches your new mortgage. Without a review of your protection, you could be left with a protection shortfall.

First rate advice for first time buyers

Buying your first house can be daunting – so here’s some useful advice.

  • You need mortgage protection or life cover to draw down your mortgage – and your protection must match or exceed the debt and the term. Your bank will suggest a policy for you, but this may not be the best fit for your needs.
  • It's important to review your mortgage protection throughout the lifetime of your mortgage. This will ensure you’re enjoying the best value and have the right cover for what matters most.
  • You can use a life cover policy to draw down your mortgage, so it’s vital to review your cover to ensure your mortgage is safe and the people you care about are protected.
  • Reasons to review your protection might include a new child, quitting smoking and many other factors that can impact on the level of cover you need and the cost of your cover. A review could also save you money.    
  • You can add Serious Specified Illness cover to your life protection. This means if you get sick and are diagnosed with one of the specified illnesses covered, the policy pays a lump sum to help cover some of your costs – which can include mortgage repayments.

Get a review today

Call us on (01) 408 6288

Why choose us?

Your home keeps you safe – so protecting it is vital. Whether you need a new policy, or want to review an existing one, we’ll use our expertise to find the best cover for you at the best price. It's all done in one quick call - because protecting where you live shouldn’t take up your whole life!

Life insurance

A life insurance policy protects your loved ones – and gives you peace of mind. It pays a lump sum to your estate when you die. It means whatever happens, the people that matter to you most are secure and provided for.  

Find out more

Security if you're sick

Specified illness cover is a safeguard if you are sick – a lump sum paid out if you’re diagnosed with an illness specified on the policy.

Find out more

Advice on mortgage protection from our blog

Mortgage Protection

Mortgage Protection Cover Types

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Your first home

So you’re buying your first home! It can be daunting – so here are some helpful tips.

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Mortgage Protection - What I need to know

Mortgage Protection -What I need to know

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Life Insurance

Life Insurance - What an advisor can offer

Our expert advisors will help you choose the right life insurance for you and your loved ones.

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Frequently Asked Questions

Call us on (01) 408 6288

**These programmes are subject to review and will remain available to members for as long as Aviva provides the service.

Aviva Life & Pensions Ireland Designated Activity Company, a private company limited by shares. Aviva Life & Pensions Ireland Designated Activity Company, trading as Aviva Life & Pensions Ireland and Friends First, is regulated by the Central Bank of Ireland.