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 50 - 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 


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


  • Wide choice of deferred payment periods
  • Freedom to top up your policy to get additional cover

Expert advice

  • We provide a comprehensive claims service to help you get back to work.
  • Best Doctors ® Second Medical Opinion service: an exclusive benefit available from the first day of your protection cover, at no additional cost.
  • As our customer you get access to Aviva Family Care which is a counselling and support service provided by Workplace Options. This service provides access to short term counselling and carer support information services at no extra cost.

See all policy features

Want to get started?

Our professional financial advisers can talk to you about your options and set up the right cover for you.

Contact Us

1890 24 22 27

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

Manage your policies online

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

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.


Let us know what’s happened

Call us on 01 775 6412 – we’re open Monday to Friday, 9am to 5pm. Or you can email


Give us some details

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


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.

News articles

Take a look at our library of helpful articles and news.

Contact Us

For a new quote

1890 24 22 27

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

Existing Customers

1890 64 64 64

Monday, Tuesday, Thursday and Friday: 9:00a.m. - 5:00p.m.

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

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.

2. Acceptance criteria, terms and conditions apply. Price match applies to mortgage protection or life insurance quotes only. Price match only applies to standard quotes provided to Aviva Direct Ireland Limited from Best Advice (only including quotes from Irish Life, New Ireland, Royal London and Zurich) with the same level and term of cover up to a maximum sum assured of €1,500,000. Price Match does not apply to promotional offers. Price match and any discounts applied are subject to a minimum premium of €10 per month. For full details, please talk to our Direct Team on 1890 242 227.

Best Doctors is an independent company and Aviva will not be responsible for any actions taken or not taken as a consequence of recommendations made by Best Doctors. Aviva Life & Pensions Ireland DAC does not guarantee the on-going availability of the Best Doctors service to its policyholders and may, at its sole discretion, withdraw access to the service at a month’s notice.

Best Doctors 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 One Park Place, Hatch Street, Dublin 2.

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 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.