Multi Claim Protection Cover

A smart alternative to Serious Illness Cover.

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Multi Claim Protection Cover

Multi-Claim Protection Cover is a unique, severity-based policy that protects you from a broad range of possible health setbacks that may impact your daily life. It offers anyone the ability to claim on the policy issued, paying out multiple times over its length. Once you have not claimed 100% of your cover, it will still be in place and be available to claim from until the full amount has been reached.

Google Reviews

LowQuotes.ie

4.9

Based on 1582 reviews

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Sharon G.

Sarah was very helpful throughout the whole process. She was able to answer all out queries and talk us through how the process typically works. Replies were always very prompt and Sarah made the whole process straight forward.

Brian S.

Cormac LogueI can't thank this man enough from start to finish has been amazing, any questions asked Cormac had the answer if im been honest he is the only reason I decided to take this policy with this company as his service goes above and beyond thanks so much for your patience and help with everything Cormac and I'll defo be in touch should I need any other policy top man

Response from the owner: Hey Brian,Thank you so much for your fantastic review. We’re delighted to hear how positive your experience was with Cormac. It’s great to know he was able to answer all your questions, guide you through the process, and go the extra mile to make sure everything was right for you. That level of care and dedication is exactly what we aim for.We really appreciate you choosing LowQuotes and trusting Cormac with your cover. If you ever need anything in the future, don’t hesitate to get in touch.Best regards,LowQuotes Team

Snatch M.

Outstanding Support From Start to FinishWe received our mortgage drawdown and keys to our new home on 22nd December 2025, and we honestly couldn’t have reached this milestone without the incredible support of Bernadine from LowQuotes.From the very beginning of our journey, Bernadine went above and beyond. She was professional, patient, knowledgeable, and always willing to explain every step clearly — no matter how many questions we had. What truly stood out was how invested she was in our success; this never felt like a transaction, but a genuine partnership.The mortgage process can be overwhelming, but Bernadine made it feel structured, manageable, and even reassuring. Her responsiveness, attention to detail, and commitment to getting the best possible outcome for us were exceptional.We are deeply grateful for her dedication and would wholeheartedly recommend Bernadine and LowQuotes to anyone starting their mortgage journey. If you’re looking for someone who truly cares and will go the extra mile, you’re in the best hands.Thank you for helping us turn a dream into reality.Emmanuel & Dorothy

Response from the owner: Hey Emmanuel and Dorothy,Thank you so much for your beautiful review and for sharing such a special moment with us. We’re absolutely delighted to hear how supportive and dedicated Bernadine was throughout your mortgage journey. It’s wonderful to know she was able to guide you clearly, keep everything structured, and help make the whole process feel reassuring from start to finish.Congratulations on receiving the keys to your new home. We’re so pleased we could be part of such an important milestone for you. If you ever need any help in the future, please don’t hesitate to get in touch.Best regards,LowQuotes Team

Kasia H.

Alan Broderick was a pleasure to deal with. From start to finish , clear in everything. Would highly recommend.

Response from the owner: Hey Kasia,Thank you so much for your lovely review. We’re delighted to hear about your positive experience with Alan. It’s great to know he was able to guide you clearly through the process from start to finish. That’s exactly the level of service we aim to provide.We really appreciate your recommendation. If you ever need any assistance in the future, please don’t hesitate to get in touch.Best regards,LowQuotes Team

priscilla1 G.

Excellent service and very good guidance

Response from the owner: Hey Priscilla,Thank you so much for your lovely review. We’re delighted to hear you were happy with the service and guidance you received. That’s exactly what we aim to provide for every client.We really appreciate you taking the time to share your feedback. If you ever need any help in the future, please don’t hesitate to get in touch.Best regards,LowQuotes Team

Vadym E.

We can’t recommend Niamh highly enough. From the very beginning, she was supportive, knowledgeable, and always quick to respond to any questions we had. She clearly explained the mortgage process, made sure we understood each step, and guided us through everything with great care and professionalism.Niamh worked tirelessly to find the best solution for us and helped make the whole experience smooth and reassuring, even during stressful moments. Her communication was excellent throughout, and we always felt confident knowing she was looking after our interests.If you’re looking for a mortgage broker who is genuinely dedicated, approachable, and reliable, Niamh is an excellent choice. We’re very grateful for her help in securing our home and wouldn’t hesitate to recommend her.

Response from the owner: Hey Vadym,Thank you so much for your wonderful review and for sharing your experience with us. We’re delighted to hear how supportive and professional Niamh was throughout your mortgage journey. It’s great to know she was able to explain everything clearly, keep you informed, and find the right solution for you, even during the more stressful moments.We really appreciate your recommendation and are so glad we could help you secure your home. If you ever need any assistance in the future, please don’t hesitate to get in touch.Best regards,LowQuotes Team

Shane O.

As a first-time buyer, buying as a single applicant, I had a million questions, and Niamh McCaul answered every single one with patience and expertise.She went above and beyond to make sure I felt comfortable and confident with my decisions. It’s rare to find someone so dedicated to her client's success.I cannot recommend Niamh highly enough! From our very first phone call, she made the entire mortgage process feel seamless and stress-free. As someone who was quite overwhelmed by the paperwork, Niamh’s ability to explain everything in plain English was a lifesaver.She was always one step ahead, keeping me updated at every turn and securing a fantastic rate. If you want a mortgage advisor who is professional, proactive, and genuinely cares about her clients, look no further.Thank you, Niamh, for making my dream home a reality!Shane.

Response from the owner: Hey Shane,Thank you so much for your fantastic review and for taking the time to share your experience with us. We’re delighted to hear how supportive and reassuring Niamh was throughout your mortgage journey. It’s great to know she was able to explain everything clearly, keep you informed, and secure such a great rate for you. Helping first-time buyers feel confident and comfortable is exactly what we aim for, so your feedback really means a lot.Congratulations on your new home, and thank you for choosing LowQuotes. If you ever need anything in the future, we’re always here to help.Best regards,LowQuotes Team

Karen B D.

Used low quotes to get a better deal on our life protection and mortgage protection as the banks were a bit unsustainable. Wish I had done this from the start. We had Alan Broderick from the start, he's fantastic at what he does, makes it very human and personal experience. Explained everything without being too jargon-y. He was patient and very helpful with following up with our case. Would highly recommend you give them a call 🙂

Response from the owner: Hey Karen,Thank you so much for your wonderful review and for sharing your experience with us. We’re delighted to hear that Alan was able to help you secure a better deal on your life and mortgage protection. It’s great to know they made the process clear, personal, and easy to understand, without any unnecessary jargon. That’s exactly the experience we aim to provide.We really appreciate your recommendation and your kind words. If you ever need any support in the future, please don’t hesitate to reach out.Best regards,LowQuotes Team

Una F.

Thank you Shaun Young for all your help. You made the process so easy, Very efficent and explained all the details so clearlyAgnes (Una) Farrell

Response from the owner: Hey Una,Thank you so much for your lovely review. We’re delighted to hear about your positive experience with Shaun. It’s great to know he was able to make the process so easy and explain everything clearly for you. That’s exactly the level of service we always aim to provide.We really appreciate you taking the time to share your feedback. If you ever need any further help in the future, please don’t hesitate to get in touch.Best regards,LowQuotes Team

Nikolina G.

Very professional and easy process to insurance.Alan B. Was amazing and very professional in his guidance true the insurance application.

Response from the owner: Hey Nikolina,Thank you so much for your lovely review and for taking the time to share your experience with us. We’re delighted to hear that you found the process professional and easy, and that Alan was able to guide you so clearly through your insurance application. He always goes the extra mile to make sure everything is explained and handled properly, so your kind words mean a lot.Even though a little time has passed since your review, we truly appreciate you choosing LowQuotes and trusting us with your cover. If you ever have any questions or need support in the future, please don’t hesitate to get in touch.Best regards,LowQuotes Team

Ciara K.

Rebecca was great to deal with and was very helpful. Would absolutely recommend as the entire process was positive.

Response from the owner: Hey Ciara,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she was able to help and make the whole process smooth for you. Your recommendation means a lot to us!If you ever need anything in the future or have any questions, we’re always here to help.Best Regards,LowQuotes Team

Eric H.

Conor O'Hare was absolutely excellent in helping during such a stressful time and getting a policy that suited me.I would recommend him and low quotes to anyone as they made the whole process very easy.

Response from the owner: Hey Eric,Thank you so much for sharing your experience with us. We’re delighted to hear Conor was able to support you through what can be a stressful process and help you secure the right policy. Making things clear and easy is always our goal, so your feedback really means a lot!If you ever need anything in the future, don’t hesitate to reach out. We’re always here to help.Best Regards,LowQuotes Team

Rachel L

Cormac was absolutely lovely and made everything so easy for us.

Response from the owner: Hey Rachel,Thank you for the lovely review! We’re delighted to hear that Cormac made everything easy for you, that’s exactly the experience we aim to deliver. We’ll be sure to pass along your kind words to him.If you ever need anything in the future, we’re always here to help.Best Regards,LowQuotes Team

Elaine F.

We came across Low Quotes online as we were looking to switch our mortgage providers. From the very start we had such a good experience. We were contacted by Bernadine and she helped us with the whole process. She was very professional and provided us with great support and guidance. Overall a brilliant experience, would highly recommend.

Response from the owner: Hey Elaine,Thank you so much for your kind words! We’re delighted to hear that you had such a positive experience while switching your mortgage with us. Bernadine will be thrilled to know her support and guidance made the process smooth and stress-free for you.Your recommendation means a lot, and if you ever need anything in the future, we’re always here to help.Best Regards,LowQuotes Team

JILU J.

Recently took mortgage protection and life insurance from Lowquotes.Alan was fantastic, very friendly and professional. He made the process easy and explained everything clearly. Highly recommended.

Response from the owner: Hey Jilu,We’re delighted to hear about your positive experience with Alan. It’s great to know he made everything clear and easy for you while arranging your mortgage protection and life insurance. We aim to keep the process as smooth and understandable as possible, so your feedback truly means a lot to us!If you ever have any questions or need support in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

Rachel K.

Cormac has been amazing in what has been a very long and hard process. He kept chasing better options down and recently got my premium to under half what I have paid to now. I cannot thank him enough! His knowledge, expertise and advice is second to none! Thank you!

Response from the owner: Hey Rachel,We’re delighted to hear about your positive experience with Cormac. It’s great to know he stayed on top of everything throughout the process and managed to secure such a strong improvement on your premium. We always aim to get the best possible deal for our customers, so your feedback really means a lot to us!If you ever have any questions or need support in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

nichola D.

Bernadine has been brilliant from start to finish. During the process of switching our mortgage we gave birth to our son and Bernadine was excellent no stress was so straight forward. Can't recommend enough

Response from the owner: Hey Nichola,We’re delighted to hear about your positive experience with Bernadine. It’s great to know she supported you through the mortgage switch and made everything clear and stress-free, especially during such an important moment for your family. We aim to keep the process as smooth as possible, so your feedback really means a lot to us!If you ever need anything in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

Benefits of Royal London Multi-Claim Protection

Cover a broad range of seious range of illnesses such as hert attack or cancer treatment.
Life cover built into the policy
Your premium will nor change after a claim
Covers for big life impacts such as long hospital stays from serious accidents.
Cover availeable if you've previously been declined Serious Ilness Cover.
Ability to claim more than once(once not have cliamed 100% of sum assured.
Pays out a specific amount depending on the severity of the illness
Free One to One personal support to help your family cope with devastating effects of any illness or bereavement.
Ability to have Additional Life Cover separate from your MCPC
Children's cover and premature

Understanding Multi-Claim Protection Cover: A Case Study

Multi-Claim Protection Cover is designed to provide comprehensive financial support in the event of serious health issues by paying out a portion of the total coverage amount as needed. Here’s how it works, illustrated through John’s experience:

Initial Policy and Coverage

Profile: John, age 35, single, non-smoker.
Policy: Single life Multi-Claim Protection Cover for €80,000 over a 20-year term.
Premium: €23.68 per month.

First Claim: Cancer Diagnosis

Health Issue: John is diagnosed with cancer and requires surgery.
Payout: 10% of the total cover (€8,000) is paid out for surgery costs.
Remaining Cover: €72,000 left for future health issues.

Second Claim: Testicular Cancer Diagnosis

Health Issue: John is later diagnosed with testicular cancer, requiring extensive treatment.
Payout: 60% of the total cover (€48,000) is paid out for treatments.
Remaining Cover: €24,000 remaining for future health setbacks.

Through this Multi-Claim Protection Cover, John receives timely financial support for his medical expenses, ensuring that he can focus on recovery without the burden of financial stress. This type of policy allows multiple claims, reducing the total coverage amount available with each payout, but ensuring continuous support through various health challenges.

If you want to learn more and explore all the details about the multi-claim protection cover, please click here.

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Tax free payout on diagnosis of up to 40 critical illnesses.

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Your Questions Answered

What is Multi Claim Protection Cover?

Multi Claim Protection Cover(MCPC) is a simple, cost-effective life and illness protection policy. MCPC pay outs are directly linked to the severity of certain health set backs that will cause difficulty in your day to day life.

It offers anyone the ability to claim on the policy issued, paying out multiple times over its length. The amount of protection covered vary from provider to provider, so it is important to speak to one of our advisors before making your choice.

You can fill out our easy to understand form for a free online quote comparison, or speak to one of our Qualified Financial Advisors who will assist you with getting a quote.

Why is Multi Claim Protection Cover Different?

Multi Claim Protection Cover is designed to give full financial support that will strategically align with the severity of a medical emergency or significant health impact on your wellbeing and lifestyle.

For instance some insurance policies will only pay out once for the specific serious illnesses after diagnosis, meaning you cant get that type of insurance again once the cover ends.

With Multi Claim Protection Cover even after a significant health setback has been claimed, as long as you have not claimed 100% of you cover you will still have cover in place for any potential impacts on your health and lifestyle.

What is health impacts are covered?

Multi-Claim Protection Cover is based on severity of health setbacks that will occur. Serious illnesses such as heart attack and cancer treatment covering all requirements. MCPC covers major incidences , such as long hospital stays and traffic accidents.

How is Multi Claim Protection Cover amount determined on severity?

Multi Claim Protection Cover is in line with the consequences of a serious illness or health setbacks. This is how Multi Claim Protection Cover is paid out multiple of times, by keeping up with advancements in medical technologies providing an exclusive cover

There are eight levels of severity that determine how much money will be paid out to make a claim. Based on the impact of the health difficulty and how it affects your lifestyle.

Claim Events for MCPC

Claims paid more than once – with cover that continues Thankfully there are great strides in medical diagnostics and treatments more efficiently.

It also means that more people are likely to be diagnosed with and be successfully treated for a serious illness.

For example, 1 in 2 people in Ireland will develop cancer during their lifetime. Illnesses are easily detected now, meaning any serious illness are having a smaller impact.

Example of what can you expect to pay for your MCPC: A single , non-smoker aged 39 who wants a sum assured of €100,000 for a 25 year term would pay €45.77 per month.

What is helping hand benefit?

Royal London’s Helping Hand gives you one to one Personal Support from Royal London.

This free extra includes:

Providing bereavement counsellors, speech therapists, face to face medical opinions, therapies, massages, physiotherapy for serious health issues
Cardiac rehabilitation support
Support for coping with cancer
Family support for the loss of a loved one

Main Differences between MCPC and Health Insurance.

Remember you can put Multi Claim Protection Cover in place in addition to your health insurance. Both insurance compliment each otehr. the table outline the main differences between Multi Claim Protection Cover and Health Insurance.

What does it pay out for ?

Who does it pay out to ?

Dos it pay out multiple times ?

It pays a guaranteed tax – free percentage of your full cover amount to help with monthly expenses.

Does it provide a financial payout on death?

Yes.

https://www.royallondon.ie/siteassets/site-docs/mcpc/rl-mcpc-brochure-dac.pdf

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Here at LowQuotes, we want to ensure that our clients receive the highest standards of service. If you have a passion for connecting with people and aspire to thrive in a culture built on trust, integrity, dedication, and excellence, this could be the perfect fit.

Multi Claim Protection Cover

Multi Claim Protection Cover