Manorhamilton & District Credit Union Limited also offers all eligible members insurance services. Some of these services are paid for directly by the credit union and others are paid directly by the member. The insurance cover currently provided for by Manorhamilton & District Credit Union Limited in respect of eligible members is:

Life Protection Loan Insurance

One of the attractions of a loan with the Manorhamilton & District Credit Union is free Loan Protection Insurance. It repays the balance the loan in the event of a member’s death. Cover is available for those in good health or carrying out normal occupational duties at the time the loan is granted.

What is Loan Protection Insurance?

In Manorhamilton & District Credit Union, the outstanding loan balances of eligible members are automatically insured at no direct cost to the member. This means the loan debt will be wiped clean in the event of the member’s death. Members can take out a credit union loan in the full confidence that their dependents will not have to pay the loan off on death and total and permanent disability for any occupation. Banks and other financial institutions charge a separate insurance premium on top of loan repayments for this service.

Loan Protection Insurance is payable subject to policy terms and conditions.

  • The insurance benefit payable is the amount of the member’s outstanding loan balance
  • Cover ceases on the member’s 85th birthday.
Life Savings Insurance

Life Savings Insurance is the life cover provided to Manorhamilton & District Credit Union members as member benefit i.e. at no direct cost to you and as an incentive to save regularly. Life Savings Insurance is payable on the death of the eligible member, subject to policy terms and conditions.

The amount of insurance benefit to which a member is entitled is in proportion to the amount of savings the member has made during the term of membership, and depends on the member’s age at date of lodgement.

Amounts saved after the 70th birthday are not insured. However, cover built up before the 70th birthday remains in force after the 70th birthday as long as the savings are left in the credit union. Withdrawals may affect the amount of insurance payable in the event of a claim.

Death Benefit Plus Funeral Insurance

The death of a loved one would cause a huge upheaval in your life. As well as the loss and grief, there are the financial implications of a funeral. To help, Manorhamilton & District Credit Union is introducing a new funeral insurance product called Death Benefit Plus. This is a whole of life insurance policy that can provide a lump sum on your death to help pay funeral costs or other bills. You could also decide to leave the lump sum to a loved one e.g., a grandchild through your Will.

Wish Death Benefit Plus you are guaranteed to be accepted on the policy start date if:

  • You are a credit union member, resident and living in the Republic of Ireland and,
  • are aged at least 18 and under 80 years of age and,
  • you hold an account with a financial institution based in the Single Euro Payments Area (SEPA) for the payment of monthly premiums by direct debit.

Get a Quote

How do I get a Quote and more information?

Click on the "Get a Quote" link and it will take you to our secure website. Once you have your quote you can buy a policy online at any time by completing a secure online application form.

Alternatively, you can call the insurer, ECCU Assurance DAC at LoCall 0818 29 39 49. Our call line is open Monday to Friday from 9am to 5pm.

Manorhamilton & District Credit Union is acting solely as an introducer to ECCU Assurance DAC. ECCU Assurance DAC is regulated by the Central Bank of Ireland. Manorhamilton & District Credit Union is regulated by the Central Bank of Ireland.

Avoid your Account becoming dormant

Under Credit Union Rule 22 (now amended to Rule 19) if your account becomes inactive for 3 years and we are unable to contact you within that period it may become a dormant account. It is in your own interest to keep it active by conducting regular transaction.
The account maybe reactivated by conducting transactions and supporting it with photographic I.D. e.g. passport/drivers licence/birth certificate for children and confirmation of address (not more than 3 months old) e.g. utility bill/revenue documentation. is a new suite of insurance services brought to you by credit unions and AIG. offers great value to credit union members on home, car and travel insurances.

How to get a quote

Credit union members can get a quote for Coveru Home, Car or Travel insurance:

  1. Online via the website at
  2. Over the phone by contacting AIG Customer Service 1890 410 410
For any further questions don't hesitate to Contact Us