Lifestyle Protector

What would happen to you and your family if you fell ill or had to leave work due to an accident or sickness? For example, where would the money come from? Then here’s the good news – the Lifestyle Protector Plan gives you peace of mind knowing that if you’re unable to work due to an accident or sickness, you’ll still receive a regular monthly income.


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What is the Lifestyle Protector?

If you fell ill or had to leave work due to an accident or sickness, have you thought about how you’d cover the costs of your mortgage and everyday household bills?

Here’s where the Lifestyle Protector Plan can help. For example, it gives you a regular monthly income to help provide for your family’s needs – from the simple things in life such as keeping a roof over your heads and food on the table, to ensuring your household bills are up-to-date, as well as all those expenses you incur every day.

Moreover, the plan includes added protection – lump sum benefits to cover you against death and serious illness. So in conclusion, the Lifestyle Protector gives you the peace of mind knowing that if the worst was to happen, you and your family will be covered.

Lifestyle Protector guide cover

Lifestyle Protector highlights


Monthly income benefit - providing a monthly cash benefit of up to €3,000 if you can’t work


Guaranteed cover - providing you're eligible for the plan, you're guaranteed cover under our moratorium clause


Flexible plan with a wide range of deferred periods


No medical underwriting - it’s quick and easy to apply and obtain cover. What's more, no medical questionnaires or examinations are required, and there's no waiting for GP reports to process your application

Standard benefits: what's included?


Accident and sickness benefit

Cash benefits between €300 and €3,000 monthly.

If you’re unable to work due to accident or sickness, your policy will start to pay you benefits once your deferred period has elapsed (choose from 14, 30 or 90 days). What’s more, you’ll receive this benefit for up to 12 months and the built-in Waiver of Premium feature means that any premiums you pay during your claim period will be refunded to you.

Nevertheless, the maximum monthly benefit available is 60% of your gross monthly income if you’re employed, or 60% of your taxable monthly income if you‘re self employed.


Hospitalisation benefit

Cash benefits between €30 and €300 daily.

If you are hospitalised for more than 48 hours, the policy will pay you 10% of your monthly benefit for each subsequent 24 hours that you remain in hospital. And furthermore, this is payable for up to 30 days per policy year.

In addition, you will still receive your monthly benefit.


Specified Illness benefit

Cash benefit of up to €36,000.

If you are diagnosed with any of the following conditions, we will pay your claim along with a lump sum payment of 12 times your monthly benefit to help you get back on your feet again: Cancer (excluding less advanced cases), Cardiac Arrest, Stroke, Loss of Independent Existence, Alzheimer’s Disease and Aorta Graft Surgery.


Additional benefits

Death Benefit – cash benefit of €25,000

Whether you die as a result of an accident or of natural causes, this feature pays your estate a lump sum. For example, the lump sum can be used towards funeral costs, as well as any debts you leave behind, and provides your family with additional peace of mind.

Terminal Illness cover – cash benefit of €25,000

If you are advised that you are to die within 12 months of diagnosis of a terminal illness, we will pay you a lump sum.

I put in a claim in beginning of October and they sorted it out very quickly and I’m with them good few years never had any complaints thank you.

Jacqeline McHugh 
Jacqeline McHugh

Great service as always.


Friendly company, fast response, I am satisfied with the services and contact.


Extremally efficient company to deal with, totally satisfied with Lynsey who always answered any query I had with accurate information. Would not hesitate to recommend them.


Rob is very easy to deal with. Many people at the yard I have my horse has signed up to Hive Insurance. Great plains available for small monthly payments.


I recently purchased equine insurance from Hive Insurance after a recommendation from a riding centre. Rob was very professional, knowledgeable, helpful and assisted in myself and my children all having cover before the end of the day! There were three options of cover to choose from.

I couldn’t be happier with my experience and have been passing his details to my equestrian friends.

Highly recommend!


As an ISSA member, I had an accident and put in a claim with Hive here in Ireland and I have to say, the service was great and really helpful, but the best bit was my claim was dealt with and paid out within a week! Couldn’t recommend them enough.


“With all sports, the risk of injury is always present and equestrian sport is no different and in the case of our yard, where the risk ranges from 128cm ponies through to Grand Prix horses, covering Riders, Grooms and Yard Staff the danger seems ever present. Therefore, these day every risks combined with the issues surrounding Irish equestrian insurance; the launch of the Equine Safety Initiative could not be more perfectly timed in my opinion. Furthermore, after a visit, Rob McOwan expertly and efficiently introduced and implemented the roll out of the ESI to everyone involved within our yard without any disruption. Highly recommend everyone involved in horses gets behind and supports this initiative as we will all benefit from it in the short and long term”.

Melvyn Kennedy, Hughes Kennedy Show Jumping 
Melvyn Kennedy, Hughes Kennedy Show Jumping

“Having spoken with Rob at Hive, he was able to offer me a superb policy which gave me peace of mind to get back into the saddle once restrictions eased during the year. As an active member in the AIRC, I was delighted to recommend this initiative to all our club members as Hive’s customer service and expertise in the equine industry is second to none”.

Elaine Lynch, AIRC Member 
Elaine Lynch, AIRC Member

“I am proud to be working with Hive Insurance Services as I think their approach to Irish Equine Insurance is breath of fresh air and very much needed within our industry.”

“Their alliance with all of the various equestrian governing bodies and their introduction of the Equine Safety Initiative (ESI) is just one example and I strongly believe that if we all get behind, support and promote this important safety program; given time, the Irish equine insurance market could change for the better, with less small claims burdening our equestrian businesses premiums could stabilise, even drop… can you imagine that!”

Heike Holstein, Olympic Dressage Rider 
Heike Holstein, Olympic Dressage Rider

What's not included?

In common with other accident and sickness plans, here are some of the key exclusions. Therefore, please refer to the Policy Document in the Literature Library for a full list of exclusions.


Pre-existing / chronic conditions


Normal pregnancy and birth, selected back conditions, stress and depression


Injury suffered as a result of alcohol or drugs, or due to war, radiation or earthquakes


Deliberate actions such as criminal activity

How was your claim experience?

Piotr Pelczynski is an insurance broker and wanted to share his experience with us. Piotr says:

“I want to share my experience of a recent claim for an accident and sickness policy.

The claim form together with all necessary attachments were emailed to the claim handler, Davies Group, on Friday 19 February 2021 at 11:30am. The claim was fully assessed and a claim settlement offer letter sent back to me and my client on the same day at 4pm! I have been an insurance broker for 15 years and have never before seen a claim assessed so quickly. That is so far above the standard turnaround time one could expect. Well done everyone! As you can imagine, my client was so happy to receive money for her illness in her time of need.”


Who can apply?

You can take out the Lifestyle Protector provided that:

  • You are aged 18 to 55 inclusive
  • You are resident in the Republic of Ireland
  • You are actively working (for a minimum of 20 hours if employed)
  • You have not applied for a medically underwritten life, critical illness or income protection policy in the past 12 months and been declined
When does the plan end?

The Lifestyle Protector will end on the earliest of the following:

  • The date of your death
  • The renewal date following your 60th birthday, or the date you retire, whichever is the sooner
  • The date you fail to pay your premium when due
  • The date you cease to be a resident of the Republic of Ireland
  • The date when we have paid 36 monthly benefits for loss of income in respect of any accident or sickness claimed under this policy
  • The date when we have paid a claim for serious illness benefit under this policy
  • The date when we have paid a claim for death or terminal illness under this policy
  • The date your policy is cancelled by you or terminated by us
  • 90 days following the date you are no longer working in employment or self-employment. If you start a new employment or self-employment during these 90 days, the policy shall continue in force, but no benefits will be payable under this policy for the time during which you were not working
Who underwrites the plan?

Maiden Life Försäkrings AB
Maiden Life Försäkrings AB and Maiden General Försäkrings AB underwrites our Lifestyle Protector Plan. They provide insurance solutions throughout Europe, protecting thousands of people just like you against accidents and sickness.

How do I make a claim?

Simply call our claims handler, Davies Ireland, on 01 623 8471 for a claim form and for information on your claim.

Get in touch

From death and serious illness, through to accidents and help with everyday medical bills, we help to provide peace of mind and we’re here when you need us most. Here’s how to get in touch.


Hive Insurance Services, Office 15, Lakeview Point, Unit 24, Claregalway Corporate Park, Claregalway, Co. Galway, H91 PX38

074 9161868

Lines are open 9am-3pm Monday to Friday (excluding public holidays). Calls are recorded and kept for training, monitoring and regulatory purposes


You can contact us directly by emailing

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