Income Protection Insurance

Insurance for your lifestyle

Maintain your quality of life

Income protection from Aviva helps you maintain your lifestyle by giving you a monthly income if illness or injury prevents you from working for a period of time, so you can concentrate on getting better.


Protection of up to 75% of your total earnings.

Peace of mind

A guaranteed premium that cannot rise.1

Tax Savings

Tax relief on all premiums at 20% or 40%.

When life is going well, it’s easy to take money for granted. But just think about how you’d cope if your income suddenly dried up due to ill health or injury? The things you care about – your family’s lifestyle, your home, your children’s education – could be in jeopardy.

Practical protection designed for you

If you suddenly lose your ability to earn a living, you want a back-up plan that works when you need it most. That’s where we come in – with income protection cover that’s flexible, competitive and built to suit your lifestyle.

How to tailor your income protection cover

  • Choose the amount you get if you make a claim – you can go from €5,200 to €262,500 a year.
  • Select the length of your policy – cover can end between 55 - 70.
  • Pick your deferred period – that’s the time you wait before your policy pays a benefit. It can be 4, 8, 12, 26 or 52 weeks.
  • Decide if the money paid out should keep up with inflation.

Features of your Aviva income protection policy


  • A guaranteed premium – once accepted, your premium won’t rise
  • A discount if you’re a non-smoker
  • A waiver on your premium while you’re getting your benefit
  • Tax relief on your premiums


  • Wide choice of deferred payment periods
  • Freedom to top up your policy to get additional cover
  • We provide a comprehensive claims service to help you get back to work


  • Aviva covers all occupations on an “own occupation basis”
  • Cover is continued even if you change jobs

See all policy features

Aviva Care

With your protection policy you have access to the following services through our Aviva Care benefit:

  • Digital GP
  • Best Doctors Second Medical Opinion
  • Family Care Mental Health Support
  • Bereavement Support

Considering Income Protection

Have you got your protection the right way around?

It may not matter what cover you have in place if you don't protect the one thing that pays for it all: your income.

Manage your policies online

Avail of 24/7 access to view and manage your protection policy information.

Aviva Online Service Centre

  • View your policies
  • Update your details
  • Change bank details
  • Submit a query

Helping you get back to working life…

We know you’d rather be working. That’s why we do whatever we can to help you get back to a normal working life as soon as you can. After your claim has been approved, you can access these benefits:

Rehabilitation benefit

Proportionate benefit

Linked benefits

How our claims process works

We know this is a difficult time so we’ll deal with your claim as quickly and smoothly as possible.

Step 1

Let us know what’s happened

Call us on 1800 159 159 or from mobile/abroad on 01 618 6621. Or you can email

We’re open Monday to Friday, 9am to 5pm.

Step 2

Give us some details

We’ll need medical and financial evidence to assess your claim, along with the policy number and your contact details.

Step 3

We get things sorted

Once we’ve processed your information and accepted your claim, we pay you a monthly benefit in arrears.

Policy details

Important information about your life insurance.

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Contact Us

Existing customers

1800 159 159

Monday: 9:00a.m. - 5:00p.m.

Tuesday: 9:00a.m. - 5:00p.m.

Wednesday: 10:00a.m. - 5:00p.m.

Thursday: 9:00a.m. - 5:00p.m.

Friday: 9:00a.m. - 5:00p.m.

Saturday - Sunday: Closed

For a new quote

091 784440

Monday to Friday: 9:00a.m. - 5:00p.m.

Saturday - Sunday Closed

Bank Holidays Closed

1. Guaranteed premium: The amount you pay does not change over the life of the policy as long as the benefits remain the same. You can choose to index-link your premium and the benefits to ensure that, over time, they remain linked to inflation.

Aviva Life & Pensions Ireland DAC does not guarantee the on-going availability of any or all of the Aviva Care Ireland services to its policyholders and may, at its sole discretion, withdraw access to the service at a month’s notice. If we withdraw it, we’ll write to notify policyholders at least 30 days in advance of its removal.

Teladoc Health (who provide the Aviva Care services) is not a regulated financial service. 

Aviva Direct Ireland Limited is regulated by the Central Bank of Ireland. A private company limited by shares. Registered in Ireland No 374895. Registered Office: Cherrywood Business Park, Dublin, Ireland, D18 W2P5.

Life and Protection Cover is underwritten by Aviva Life & Pensions Ireland DAC.

Aviva Life & Pensions Ireland Designated Activity Company, a private company limited by shares. Registered in Ireland No. 165970. Registered office at Building 12, Cherrywood Business Park, Loughlinstown, Co. Dublin, D18 W2P5. 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.