At Altera Protection, we believe everyone deserves reliable, fairly-priced cover — no matter their income, background, or circumstances. Insurance the way it was always meant to be: human.
We will never reject a valid claim for a technicality. We will never write policy documents designed to confuse. We will never charge you more simply because you have less. Altera Protection exists because insurance, at its core, is about solidarity — and solidarity means leaving no one behind.
Too many people have been left behind by the mainstream insurance market. We're here to change that. If you've ever been refused cover, quoted an unaffordable premium, or felt lost in a world of exclusions and small print — Altera Protection is for you.
Moving to a new country is hard enough without being denied insurance because of gaps in your local history. We look at the person, not just the paperwork.
We offer genuine, meaningful cover at prices that don't force you to choose between protection and putting food on the table.
A disability or chronic condition should never be a reason to be refused fair cover. We design products that accommodate, rather than exclude.
Age shouldn't price you out of protection. Our plans are designed with seniors in mind — fair, clear, and free of age-related penalty loading.
Whether you rent privately, live in social housing, or share accommodation, your belongings and wellbeing deserve to be protected.
Irregular income or non-traditional employment shouldn't leave you exposed. We offer flexible cover that fits the way you actually work.
Our policy documents are written in plain English. No hidden exclusions buried in clause 47(b). If something is excluded, we'll say so clearly — upfront.
When you make a claim, our team will review it quickly, communicate openly, and treat you like a human being — not a liability on a spreadsheet.
You'll always be able to reach a real person who speaks your language — available in multiple languages to serve our diverse communities.
We don't look for reasons to deny claims. We look for reasons to pay them. Our internal standard: if a reasonable person would expect cover, we provide it.
We built Altera because we saw too many people — good, hardworking people — refused insurance or forced to go without. That is not acceptable. Insurance is a social good, and it should work for society's most vulnerable, not against them.
— The Altera Protection founding team
We promise to always explain a refusal in plain English, offer an appeals process, and point you towards alternative solutions — even if that solution isn't us.
We are developing a range of insurance products tailored to the everyday protection needs of people who have been overlooked or priced out by the mainstream market. Our products will be simple, fair, and affordable — join our waitlist and you'll be the first to know when they're ready.
Focused on the protection that matters most in daily life — from the unexpected to the unavoidable. Products designed around how real people actually live, not how actuarial tables assume they do.
Priced with real people in mind. No loadings designed to discourage, no premiums calibrated to exclude. Cover that costs what it should — and no more.
Policy documents written in plain language, exclusions stated clearly upfront. No small print designed to surprise you at the moment you need cover most.
Insurance should be a right, not a privilege. We design every product with inclusion as the starting point, not a compliance checkbox.
We publish our exclusions clearly, explain our pricing simply, and never hide behind small print. What you see is exactly what you get.
Every interaction with Altera — from getting a quote to making a claim — should leave you feeling respected, heard, and valued.
Altera Protection is an insurance company dedicated to serving communities that the mainstream market has consistently underserved. We are founded on the principle that financial protection should be accessible to everyone — regardless of how much they earn, where they come from, or what challenges they face.
We are building a company with purpose at its heart. Our team brings deep experience in insurance, financial inclusion, and community services. We are working closely with regulators, community organisations, and customer advocates to make sure we get this right.
Altera Protection is currently being built and will obtain all necessary regulatory approvals from the Central Bank of Ireland before launching any products or services.
Get notified when we launchFounded by a team that witnessed first-hand how the insurance gap affects vulnerable communities who are left behind by the mainstream market.
Partnering with community groups, NGOs, and migrant organisations to design products people actually need.
Obtaining all necessary approvals from the Central Bank of Ireland before we offer any products — because doing this right matters more than doing it fast.
Initially launching in Ireland, with an expanding range of products and geographies to follow.
We're building something we're proud of, and we want to do it right. Leave your details and we'll reach out as soon as we're ready to launch — no spam, ever.
By submitting you agree to receive email updates from Altera Protection. Unsubscribe at any time. We will never share your details with third parties.