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AA Mortgage Protection

Includes free medical advice for your family from only €10 per month*

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Call AA Life Team 0818 300 016
*Minimum premium applies (€10 per month, €120 per annum, incl. levy)

Mortgage Protection Benefits

Free Dual Cover

Free cover for two people which continues even after the first person dies

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Free Family Care

Free counselling and support as well as medical advice for you and your family with Best Doctors®

€100 Cashback

AA Home Insurance customers get €100 cashback when they buy AA Mortgage Protection

Why Do I Need Mortgage Protection?


Mortgage Protection Cover is essential for anyone buying their home. It’s designed to pay the outstanding balance of your mortgage, should you die before it’s paid off. The remaining sum of your mortgage will be paid directly to your mortgage provider so your loved ones won’t have to pay it.

Your mortgage protection will run for the same length of time as your mortgage.


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Why Choose The AA?


The AA has been in business in Ireland for over 100 years so we have a long history of looking after people. People know us best for fixing cars at the side of the road, with AA Membership, but we’ve also got very competitive mortgage protection prices. It can cost as little as €10 per month.*

Despite popular belief, you don’t have to take out your mortgage protection with your mortgage provider and you can switch to another provider at any time. Taking a few minutes to shop around could save you a lot over the life of your mortgage. Switching is not as time consuming as you’d think; you can get an AA Mortgage Protection quote in just one minute.


Free Family Care


Family Care is a counselling and support service provided by Workplace Options. You can get face-to-face or over the phone short-term counselling or carer support for you and your family. This covers you, your partner, your children, under 18 years, and your parents.


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Free Best Doctors


If you have AA Mortgage Protection and you or your family are diagnosed with a medical condition or injury, you’ll be able to get a free second opinion on the diagnosis or treatment from world-renowned specialists, Best Doctors®.

You’ll get a Best Doctors® Case Manager, who can give you advice on what treatment options are available, answer your medical questions, or even help you find a specialist. This advice is not limited to you, your children and partner. You can also get help if your parents or your partner’s parents have a medical condition too.


Types Of Cover


Single Cover – This covers one person and in the event of their death, their mortgage will be paid off in a lump sum to their mortgage provider.

Joint Cover - This covers two people and when one of them dies, their mortgage will be paid off in a lump sum to their mortgage provider.

Dual Cover - This also covers two people but unlike Joint Cover, after the first person dies and the mortgage is paid off, the remaining person will continue to have single life insurance cover. When they die, a payment will be made to the policy holder’s estate. If neither die before the mortgage is paid off, the insurance policy ends. The good news is, AA Mortgage Protection now comes with free Dual Cover.


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Buy Together And Save


If you’re looking for both mortgage protection and home insurance then it’s worth buying them both with AA. We’re offering €100 cashback if you’re both an AA Mortgage Protection and AA Home Insurance customer.**

If you’re already an AA Home Insurance customer when you purchase AA Mortgage Protection, you’ll also receive €100 cashback.


Life Insurance, Mortgage Protection or Both?


Depending on your circumstances, the level of cover you’ll need may vary, but our helpful blog will help to guide you in the right direction.


Find Out More


* Minimum premium applies (€10 per month, €120 per annum, incl. levy).

**Acceptance criteria, terms and conditions apply. Home Insurance minimum premium €218, Mortgage Protection minimum premium €120. Effective 29th March 2019 for new mortgage protection applications: €100 cashback will be paid to the customer bank account used to pay the mortgage protection, via EFT. Cashback will be paid 6 weeks after the end of the month in which the mortgage protection policy was purchased.

AA Ireland Limited trading as AA Insurance is regulated by the Central Bank of Ireland. AA Insurance provides Flexible Protection and Mortgage Protection products underwritten by Aviva Life and Pensions Ireland DAC and arranged by JSBCA Ltd T/A Low.

Aviva Life & Pensions Ireland Designated Activity Company, a private company limited by shares. Registered in Ireland No. 165970. Registered office at One Park Place, Hatch Street, Dublin 2, D02 E651.

Aviva Life & Pensions Ireland Designated Activity Company, trading as Aviva Life & Pensions Ireland and Friends First, is regulated by the Central Bank of Ireland. Tel (01) 898 7950 www.aviva.ie

JSBCA Ltd T/A Low are authorised and regulated by the Central Bank of Ireland. AA Ireland Limited, Registered Office: 61a South William Street, Dublin 2. Registered in Ireland, number 389194. Directors: B. Nevin (Chief Executive), J Birmingham, B. Mullan.


AA Ireland Limited trading as AA Insurance is regulated by the Central Bank of Ireland.