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The British Dental Association is an Appointed Representative of Lloyd & Whyte Ltd who are authorised and regulated by the Financial Conduct Authority.

The Financial Conduct Authority applies stringent guidelines to the financial services industry in the UK.


We ensure that all of our practises and procedures comply with these guidelines which we hope demonstrates our commitment to treating you fairly and providing the best possible advice and service.

If you want to find out more about the Financial Conduct Authority then please visit their website, or call on: 0300 500 0597. By visiting their site you will be leaving the BDA site therefore we have no responsibility or control over the content.

For further information regarding various aspects of our business practices please see our terms of business.

Fair Presentation 

You have a duty under the Insurance Act 2015 to make a fair presentation of the risk to your insurer in accordance with the law. This duty applies when you take out your insurance cover, when any changes are made mid-term and when you renew your insurance.  A fair presentation is disclosure of risk information in a manner that is reasonably clear and accessible; including every material fact, which is known or ought to be known by an insured’s senior management, or those responsible for arranging the insurance, following a reasonable search.  

If you do not make a fair presentation of risk to us and fail to advise us of any inaccuracies or omissions your policy may not protect you in the event of a claim. 



Our aim is always to provide a first-class service, however we are aware that, occasionally, it is possible that we may fail to meet your expectations. If for any reason we have not met your expectations, please let us know as soon as possible by contacting the office as we would like the opportunity to put things right.

Who to contact

In the first instance you should direct any complaint to our Complaints Officer, Ruth Jeffery at:


British Dental Association
64 Wimpole Street


Telephone: 020 7535 5855
Email: indemnity.complaints@bda.org


If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service for an independent assessment:

Financial Ombudsman Service
Exchange Tower
E14 9SR

FOS Consumer Helpline: 0800 023 4567 (if calling from a landline) or 0300 123 9123 (if calling from a mobile).


Financial Ombudsman Service website


If the complaint relates to claims handling services, on receipt of a complaint we will use all reasonable endeavours to resolve the complaint immediately. If we are unable to resolve the complaint by the third business day, the matter will be escalated to the insurer.

A full copy of our complaints procedure is available on request on the above contact details.