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Choosing the right indemnity arrangement

Choosing your professional indemnity arrangement is one of the most important decisions that you will make in your professional life. Apart from the obvious financial consequences, it can make the difference between being able to continue practising or not.

This is a personal choice, with personal consequences; it is not a purchase that should be determined by price alone. No two indemnity products will be the same, so any price comparisons will not be on a like-for-like basis.

How to change provider

  • ​Check what kind of cover you have. It'll either be occurrence-based or claims-made. We can advise you on the differences.
  • Get an indicative quote from us. It'll take just a few minutes to get an indicative price emailed to you.
  • Check when your existing cover is due to be renewed. This date will appear on your certificate of membership or other correspondence from your existing provider.
  • Gather the information you need to complete the application form. Here's a checklist of what you will need to hand.
  • Complete the application form by using the link within your quote email. In many cases we can confirm your acceptance within two working days. In some cases we may need further information but we'll contact you to let you know.

Learn more about how to apply for BDA Indemnity and our eligibility requirements.

Leaving your current provider

Mutual defence organisations

If you have had occurrence-based indemnity from a mutual provider (DDU/MDDUS/Dental Protection) up to the date of change to BDA Indemnity, you will still have a right to apply to them at any time in the future to request discretionary assistance and indemnity for any new matters that surface in the future from your period of membership with them. They would normally continue to assist you with any existing cases where applicable. 

Commercial insurers

If you have a policy of claims-made insurance which provides cover up to the date of change, and have already reported an actual or potential claim to them, they must continue to cover you for that case.

You should check that policy wording to establish whether or not you can continue to report new claims that surface in the future, relating to that period - and if so, whether any time limits and/or other terms and conditions apply. If you are not sure, contact your current provider for guidance.


Email: [email protected]
Phone: 020 7535 5858

Please note, calls may be recorded for training and monitoring purposes.