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Member pay insurance

Please note that not all “member pay services” are available at all credit unions — check with your local credit union.

Contact your credit union today - use our CU Locator to find your local credit union.

The "member pay" services currently available are:

Repayment Protection Insurance

Why choose repayment protection insurance?

Accidents occur, illness can strike you down and, in today’s economic climate, redundancies are becoming more common and can seriously affect your income.

As a response to these perils your credit union has designed a valuable product especially for you.

Repayment Protection Insurance is an optional policy which meets member’s loan repayments in the event that they are forced out of work by Accident, Sickness or Involuntary Unemployment.

The maximum monthly benefit payable under the policy is your loan repayment or €2,000 whichever is the lesser.

The benefit is payable up to a maximum of 60 Months for Incapacity benefit or 12 Months for Involuntary unemployment.

If you are diagnosed with specified Critical Illnesses a payment may be made under the policy.

For full details on the terms and conditions of coverage please contact your credit union. Please note not all credit unions offer this service.

Death Benefit Insurance

Introduced in 1995, the main purpose of this insurance is to provide basic life cover to credit union members at an affordable price. The cover is offered as a rider (or endorsement) to the Life Savings insurance policy. Death Benefit Insurance is underwritten by ECCU Assurance Company Limited.

During the life of the insured it gives the family added security and reduces worries about the future.

What are the benefits?

The actual amount of insurance benefit may vary from one credit union to the other. The minimum benefit offered is €1,300 in the Republic of Ireland and £1,000stg in Northern Ireland and the maximum is €3,250/£2,500stg respectively. You should check for details of the benefit offered by your credit union.

If you are a member of a participating member, you are eligible for this insurance provided your premium has been paid and you:

  • Are over 16 years of age.
  • Joined the credit union before 70 years of age.
  • Remained a member of the credit union.
  • Are or have been eligible for cover under the Life Savings Policy.

Once you are covered by this policy and provided annual premiums are paid, your benefit is not affected in any way, even by illness.

What does it cost and how do I apply?

Please talk to your local credit union about this insurance and ask them for an application form.

Travel insurance

Star Plan Travel Insurance is a comprehensive worldwide travel insurance scheme for members, available on an individual, couple or family basis. It offers a broad range of cover at a competitive price and is available on a single or multi-trip basis. This scheme is underwritten by AIG Europe (Ireland) Limited.

Apart from offering great value, other advantages of Star Plan Travel Insurance include:

  • Reduced rates are available for families.
  • Children under two are insured free of charge.
  • Adults can be insured up to the age 75.
  • Insurance Certificates are issued “on the spot“ by the credit union.

How do I get a travel insurance quote?

Contact your local credit union. To find your local credit union use the CU Locator.

HomeUnion insurance

HomeUnion is a very comprehensive home insurance package specially designed for credit union members and has been in operation since 1990. HomeUnion is underwritten by Allanz Ireland plc. Terms and conditions apply.

HomeUnion Options is easy to arrange — the member simply determines the buildings replacement value and contents are automatically covered for either 25% or 50% of the buildings sum insured.

Special Features

  • Generous discounts of up to 40% apply.
  • Cover is on a “new for old“ basis.
  • Automatic index-linking.
  • 24-hour emergency helpline.
  • Reliable and friendly claims service.
  • Monthly instalment plan at no extra charge.

HomeUnion is underwritten by Allianz Ireland plc. Terms and conditions apply.

AutoUnion insurance

AutoUnion is a motor insurance quotation scheme available to credit union members in the Republic of Ireland and offered through First Call Direct. Further information can be obtained by calling 1850-259-259.

Private Health Insurance

There are two group schemes that can be accessed through your local credit union:

  • Quinn healthcare insurance scheme.
  • VHI group health insurance scheme.

Please contact your local credit union for the necessary application forms. By choosing your private health insurance scheme through the credit union you will receive the group discount rate on premiums.  To find your local credit union use the CU Locator.


Persons under 16 years of age may also avail of Death Benefit Insurance - Terms & Conditions apply.


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Credit unions in the Republic of Ireland are regulated by the Financial Regulator in Ireland | Credit unions in Northern Ireland are regulated by the Registrar of Credit Unions in Northern Ireland
When acting as an insurance intermediary the Irish League of Credit Unions is regulated by the Financial Regulator