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Indemnity cover

We’ve been by your side since 1880. We’re here to support and protect you every step of your professional journey. A no-obligations quote takes just a few minutes.


Get a no obligations indicative quote


Cover for modern dentistry

A unique service designed for dentists and dentistry offering comprehensive, contractual and bespoke cover for members.


Designed to be just as flexible as the way you work, where you work, and what you do, we only need to know whether or not you provide implant treatment. We won't penalise you for the types of clinical activity that you do.


We cover the treatments that were once exceptional but are now day-to-day.


Our indemnity cover explained

We offer unparalleled protection and flexibility to our members.


The policy is occurrence-based so when an incident occurs under the policy, you're covered forever. Plus, it's contractual - not discretionary like mutual defence organisations'. With our contractual cover, we state what is covered and what isn't, right from the start, so there's no uncertainty.


And, because you only pay for what you do, you won't be subsidising the risks of other dentists.


Members trust the BDA

Choose a provider that knows your profession.

Members are at the heart of everything we do. There are no limits to professional support. We don't penalise you if you call us for advice. There are no voluntary or compulsory excess payments to be made on any claims.

We chose RSA Insurance Ltd to underwrite the policy and it's brokered by long-standing partners Lloyd & Whyte. RSA is authorised and regulated by the Financial Conduct Authority which means they are required to adhere to stringent regulation.

With a claims limit of £10 million per policy year or aggregate of claims to that limit which resets each policy year, it's more than sufficient to cover dental claims.

Dentist-to-dentist support 24/7

Enjoy contractual certainty and peace of mind.

You deserve support from experienced dentists with legal knowledge; in times of pressure, we’re here to help.

Our dento-legal experts have a vast amount of experience to assist you with 24/7 cover. They work with our other 27 advisors providing members with support and guidance across dentistry.

Other features:

  • Only for UK dentists
  • Unique blend of financially secure insurer with member-focused dentist-to-dentist advice
  • Price certainty - it’s all included. There’s no need for run-off, no prospect of a ‘second call’ (ask your indemnifier what this means). Clear and fair terms mean that cover is reliable and predictable
  • Special prices are available for part-time working and those within five years of qualification.
Find out more about the different types of cover available to dentists.


Should I have occurrence-based or claims-made cover?

Did you know there are two different types of indemnity?
Claims-made cover gives a specified level of cover, for specified circumstances, and for a specified time – beyond that your cover ends. That means that when you retire or stop paying for claims-made cover – you may need to buy run-off cover.
Occurrence-based cover means you are covered for incidents which take place during your policy period, even after you stop paying for indemnity. With occurrence-based cover you're covered in perpetuity.

What's the difference between contractual and discretionary cover?

Claims are often made months or years after the treatment was given. So, if your indemnity policy is claims-made, you need to factor in the cost of run off cover.


Why? Claims-made cover gives a specified level of cover, for specified circumstances, and for a specified time – beyond that your cover ends. This means that when you stop paying for claims-made cover or retire – you may need to buy additional run-off cover.


So, although, claims made cover can seem like a cheaper option, when deciding which indemnity policy is best value – don't forget to factor in the cost of run-off cover!

This policy is arranged by the British Dental Association and underwritten by RSA Insurance Ltd. The British Dental Association is an appointed representative of Lloyd & Whyte Ltd. Lloyd & Whyte Ltd is authorised and regulated by the Financial Conduct Authority (FCA). The FCA does not regulate the advice you receive with regards to advisory, case management and indemnity support provided by the BDA.

If you have any questions about the cover, please call 020 7535 5858. Please note that calls will be recorded for regulatory compliance, training and monitoring purposes.