Why choose our cover?

Using the knowledge, expertise and experience that only we have, we’ve created an indemnity service designed around you. Our indemnity is vital component of our service providing you with a professional shield against legal and regulatory challenges.

We designed it to make sure you’re equipped to thrive in today’s professional environment.

You have a contractual right to cover under the policy. With that, you’ll have peace of mind that when an incident occurs under the policy, you’re covered forever. You deserve support from experienced dentists with legal knowledge, in times of pressure. We’re here to help.

Our advisory, case management and indemnity support wraps around the cover provided by Royal and Sun Alliance Insurance Plc, giving you complete protection when you need it most.

• Our Cover and Promises

By asking us to quote for, arrange or handle your insurance, you are providing your informed agreement to these Terms of Business.

Policy documents

• RSA policy – summary
• RSA policy - full wording
• Indemnity brochure

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.

Complaints

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
London
W1G 8YS

Telephone: 020 7535 5855

Email: [email protected]

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
London
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

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.

Oral and maxillofacial surgeons who carry out procedures within the scope of the specialty of oral and maxillofacial surgery, and who are registered with the GMC, are not eligible to access the policy in this capacity. This is because they undertake procedures far removed from the practice of dentistry. 

Your premium is calculated using this information. Any incorrect or incomplete information could invalidate all or part of your policy and cause any claims to be rejected or not fully paid. 

You have not: 

• been declared bankrupt or insolvent either as a private individual or in connection with any business 
• been the subject of a county court judgement in respect of debt either as a private individual or in connection with any business 
• been an officer of a company that has been declared insolvent, or had a receiver or liquidator appointed, or entered into arrangements with creditors in accordance with the Insolvency Act 1986 or any subsequent legislation 
• been disqualified under the Company Directors Disqualification Act 1986 or any subsequent legislation 
• been convicted of or charged with but not yet tried for a criminal offence other than a motoring offence 
• had an insurance contract cancelled or declared void or a claim repudiated or renewal refused due to breach of a policy condition or due to non-disclosure or mis-description or misrepresentation of a material circumstance 
• had insurance cover restricted or cancelled or renewal refused due to noncompliance with risk improvement requirements.  

If you don’t agree with any of the relevant statements above, please contact us on 020 7535 5858 to speak to a member of the team who can help with your specific needs. Please note that calls will be recorded for regulatory compliance, training and monitoring purposes.

It's a unique policy designed for dentists and dentistry. It's specifically designed for UK dentists and all the things that dentists generally do, including tooth whitening and dental implants (including sinus lifts and bone grafts), the dental specialty of oral surgery and the use of cosmetic injectable procedures throughout the face.