AA Mortgage Protection | theAA.ie

AA Ireland uses cookies. By continuing to use this site you agree to our use of cookies. Click here to find out more.

Some features on our site are not supported with older versions of the IE browser. We would suggest that you upgrade your browser to experience everything our site has to offer. Click here to find out more.

Skip Navigation

AA Mortgage Protection

Get €200 Cashback*

Get A Quick Quote

Get A Quick Quote Online Now or Call us on 0818 300 016


At the AA, we know that your mortgage is likely to be one of your biggest financial outgoings, so it’s important to make sure you are protected. With AA Mortgage Protection all the important benefits you need come as standard.

We know that saving money is important so we match any other insurer quote and, give you an additional 23% discount** in the first year, and 15% discount every year after that for the full term of the policy.

And, now when you take out AA Home Insurance too you get €200 Cashback.*

With AA Mortgage Protection you have the option to add on “Specified Illness cover”. AA Mortgage Protection also comes with Best Doctors® for free; Best Doctors® is a service that provides a free second opinion on diagnosis and treatment if you have a medical condition.


Get A Quick Quote Now

*Get €200 Cashback when you take out AA Home Insurance with your Mortgage Protection


In addition to a 23% discount** in the first year, and 15% discount every year after that for the full term of the policy we are now giving you €200 Cashback if you take out AA Home Insurance in addition to AA Mortgage Protection.

It’s simple! All you have to do is purchase both products within 3 months of one another, pay a minimum of 1 month’s premium on each product and we’ll give you €200 Cashback. We’ll transfer the cashback to your bank account 6 weeks after the end of the month in which the second policy was purchased.

Standard minimum premium levels apply and standard acceptance criteria applies for both products


Get Home Insurance quote

What is Mortgage Protection?


Mortgage Protection Cover is essential for anyone buying their home. This decreasing life cover can be used to secure your mortgage with the bank. There is no cash value at the end of this plan. Mortgage Protection is one of the cheapest forms of life insurance because the level of life cover is designed to reduce alongside your mortgage over time.

You can also add specified illness cover to your insurance. This means that if you suffer from a specified illness while on cover, we will pay the full amount for which you are covered.


Get a quick Mortgage Protection quote with a 23% discount on your first year

Who can be covered on the Mortgage Protection policy?


Single Life Cover

This is where one person is covered. If this person dies within the term of the policy, the proceeds will be paid to the policyholder’s estate. If your policy is assigned to your lender then proceeds will be paid directly to them.

Joint Life Cover

Joint life cover is taken out for two people and is payable on one death within the term of the policy. Upon making a valid claim, the cover is paid and the policy will cease.


Accelerated Specified Illness


If you wish, you can add Specified Illness Cover for an amount equal to your life cover. By adding the option of Specified Illness Cover, your plan will pay out on the earlier of death or the diagnosis and proof of a prescribed specified illness. The life and specified illness benefit is also a form of ‘reducing cover’ and decreases each month in line with your outstanding mortgage (provided that your mortgage payments are fully up to date and your mortgage interest rate does not exceed the level specified in your Policy Document.


Get Mortgage Protection
Get a quick Mortgage Protection quote with a 23% discount on your first year



**First year discount is 15% plus one month free (8.3%). After the first year 15% discount will apply for the remaining term of the policy. Price match with discount applies to life cover only quotes. If specified illness cover is included, price match without further discount applies. Price match only applies to standard quotes provided by Irish Life, Friends First, New Ireland, Royal London and Zurich with the same level and term of cover and up to a max sum assured of EUR 1,500,000. Does not apply to promotional special offers. Minimum premium applies (EUR10 per month, EUR100 per annum, incl. levy).

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 UK Limited and arranged by JSBCA Ltd T/A Low.
Aviva Life & Pensions UK Limited, trading as Aviva Life & Pensions Ireland, is authorised by the Prudential Regulation Authority in the UK and is regulated by the Central Bank of Ireland for conduct of business rules and, to a limited extent, by the Financial Conduct Authority for applicable UK conduct rules. Registered Branch Office in Ireland (No 906464) at One Park Place, Hatch Street, Dublin 2. Tel (01) 898 7000. Registered in England (3253947) at 2 Rougier Street, York, YO90 1UU.

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, J. Farrell.


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