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Updated: August 2025 | Originally published: June 2022
I do love a good review article — and if you’re shopping around for mortgage protection, this one’s worth a read.
Next in the firing line: New Ireland’s mortgage protection policy.
New Ireland isn’t a flashy multinational like Aviva or the financial fortress that is Irish Life. But they’ve been around since 1918 and are part of the Bank of Ireland Group. Solid. Reliable. Low-key legit.
They offer life insurance, pensions, and investments, but today we’re laser-focused on their mortgage protection offering.
Three main reasons:
If you and your partner take out a joint life policy, the insurers will only pay out on the first death.
Dual life? Pays out on both. So the second person’s life cover doesn’t just disappear.
Want the deep dive? Check out how dual life cover works.
New Ireland promises to match any joint or dual life mortgage protection quote from the other main Irish insurers. It’s their way of staying competitive — kind of like a LIDL vs ALDI situation, but for life cover.
Important: If you’ve had health issues, this price match might not be your best deal. That’s where we come in — to shop the market for you.
Complete this quick questionnaire and I’ll check your case across all five insurers.
If you move house, get married, or have a child, New Ireland lets you top up your policy without medical questions.
This is their new initiative to reward healthy lifestyle choices:
Available on policies over €300k or €30/month. Worth factoring in if you’re on the fence between insurers.
New Ireland’s Specified Illness cover is strong, but I usually don’t recommend adding it to mortgage protection.
Why? If you claim, the payout goes to the bank, not you. Buy it separately if you want full control.
Read more on that here.
Could be.
But we won’t know until we take a look at your health and overall situation.
Like, is access to a Free Digital GP important or do you already have access through your health insurer?
Fill in the questionnaire and we’ll see which insurer is genuinely best for your situation, not just the cheapest on paper.
You can schedule a callback here for a chat at a time that suits you.
Or if you want to learn more about mortgage protection, head over to mortgage protection insurance explained.
Thanks for reading
Nick
As Ireland's leading life insurance broker, we specialise in comparing the rates and policies from the top five Irish life insurance providers and offering the very best value quotes to suit the individual needs of our clients. Our expertise lies in finding a suitable insurance plan for those with specific needs, be it a particular illness, occupation or claim history, we've got you covered in every sense!
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