8+ Best Dental Indemnity Insurance in the UK

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If you are a dental professional then getting Dental indemnity insurance in the UK is so important because it will protect you from the financial and reputational consequences of claims that may be made against you.

We will highlight 8 of the best dental indemnity insurance in the UK, so let’s get into this.

Types of Dental Indemnity Insurance policies available in the UK

There are two main types of dental indemnity insurance policies available in the UK, Namely:

  • Claims-Made

Claims-Made policies only cover the claims that you made during the policy period

  • Occurrence-Based policies

Occurrence-based policies cover the claims that occur during the policy period, regardless of when you make the reports.

It is important that you understand the differences between these two types of policies and choose the one that best suits your needs.

What is covered by Dental Indemnity Insurance?

Dental indemnity insurance typically covers the following;

  • Cost of legal fees
  • Damages, and
  • Compensation that arises from claims made against you or other dental professionals.

These claims can include allegations of negligence, malpractice, and breach of duty of care. In some scenarios, Dental indemnity insurance policies may also cover expenses related to:

  • Regulatory investigations
  • Disciplinary proceedings, and
  • Contractual disputes.

How to Choose the Right Dental Indemnity Insurance Provider for your practice?

When you are choosing a dental indemnity insurance provider, you have to consider factors such as:

  1. Reputation
  2. Experience
  3. Customer service, and
  4. Specific policy options are available.

Look for providers that have a strong track record of successfully defending claims and that offer comprehensive policies tailored to the needs of dental professionals over time. It is not bad if you asked for reviews.

Some Common Exclusions in Dental Indemnity Insurance Policies in the UK

While dental indemnity insurance policies cover a wide range of claims, there are some common exclusions you really need to be aware of and they include;

  • Claims arising from criminal acts
  • Intentional wrongdoing, and
  • Breaches of contract.

This is one of the reasons we at The Insure Guide always advise you to carefully review the terms and conditions of your policy to understand any exclusions that may apply.

The Importance of Maintaining Accurate Records For Dental Indemnity Insurance Claims

We have observed that accurate record-keeping is really very essential for dental indemnity insurance claims, as insurers will require detailed information about the incident and any related documentation. This can include:

  • Patient records
  • Treatment notes
  • Consent forms, and
  • Correspondence with other healthcare professionals.

Therefore, If you fail to maintain accurate records, it can result in difficulties in defending a claim.

The Future of Dental Indemnity Insurance in the UK

The future of dental indemnity insurance in the UK is likely to be shaped by a variety of factors, including:

  • Changes in Legislation
  • Advances in technology, and
  • Shifts in consumer expectations.

So, It is important that you stay up-to-date with developments in the industry and also choose insurance providers that are committed to providing high-quality, comprehensive coverage that meets your evolving needs as a dental professional.

Top 8 Dental Indemnity Insurance in the UK

Below is the Top Dental Indemnity Insurance in the UK:

  • Dental Protection
  • Towergate Insurance
  • Howden Group
  • All Med Pro
  • Wesleyn
  • MMI4U
  • PolicyBee Dental


MDDUS is an organization with a medical and dental advisory team consisting of dentists with specialist den-to-legal experience and practice managers with specialist medico-legal experience.

They offer professional indemnity insurance to dentists, doctors, and other healthcare professionals. They have been providing insurance for over 121 years (since 1902) and are known for their high-quality customer service.

#2. Dental Protection

Dental Protection has been one of the leading dental indemnity insurance providers in the UK since 1892, protecting and supporting the professional interests of almost 300,000 members around the world. It helps them understand and navigate the ongoing challenges of modern practice.

Dental Protection is known for supporting its members in the:

  • United Kingdom
  • Ireland
  • South Africa
  • New Zealand
  • Australia
  • Hong Kong
  • Singapore
  • Malaysia
  • The Caribbean, and
  • Bermuda.

You must have heard of Cosmetic Dental Insurance in the UK

They have in-house experts who can assist with the wide range of legal and ethical problems that arise from professional practice, including clinical negligence claims, complaints, medical and dental council inquiries, legal and ethical dilemmas, etc.

Hence, their philosophy is to support safe practice in medicine and dentistry by helping to avert problems in the first place.

Dental Protection also promotes risk management through their;

  • Workshops
  • E-learning
  • Clinical risk assessments
  • Publications
  • Conferences
  • Lectures, and
  • Presentations.

Use this Button to learn more about them.

#3. Towergate Insurance

Towergate Insurance is another great Dental Indemnity Insurance provider in the UK, and its cover includes acts or omissions in the course of your professional duties, injury, misdiagnosis, delays in referral, and physical or mental harm to a patient.

However, it doesn’t cover incidents that occurred before the life of your policy. 

Towergate Insurance provides both UK and international coverage, which includes;

  • Primary and secondary care
  • Private clinics and hospitals
  • Aesthetics, and
  • Medicinal cannabis.
Towergate Dental Indemnity Insurance UK
Towergate Dental Indemnity Insurance UK – Call Line

They also have a reliable 24-hour legal helpline that offers specialized counsel and advice whenever you may need it as they try to seek a solution for your current and evolving needs.

Use the link to learn more about them:

#4. Howden Group

This is a reliable dental indemnity insurance broker in the UK. Howden’s Medical Indemnity team works closely with dentists to enhance their understanding of the sector and ensure they always offer the most suitable solution for dental indemnity requirements.

The dental indemnity insurance policy is designed to suit the demands and needs of dental professionals to help protect their professional reputation against complaints from patients.

#5. All Med Pro

All Med Pro is a long-standing provider of indemnity insurance and support to dental professionals in the UK. They offer both individual and group plans, as well as “Claims made” and “Claims Occurrence” coverage.

This ensures that any coverage options suggested for you are always impartial and according to your specific needs. They have been providing Dental Indemnity Insurance for over 10 years.

You may love to check them out. Use this button to get dental indemnity plans.

#6. Wesleyan

Many people in the UK seem to love Wesleyan over time because they specialize so well in Dental indemnity insurance, as they uniquely provide an alternative solution to defense unions.

This is in a way that provides certainty around claims settlement and offers more flexibility around your complex cover needs.

Some unique benefits of Wesleyan include:

  • Indemnity covers up to £10m
  • Vicarious liability cover for practice owners and principals
  • Protect your reputation with PR costs covered
  • We can find you cover even if you’re rejected by defense unions
  • Very flexible payment options

You may love to give them a try, use the button below:

#7. MMI4U

This is another amazing insurer that offers specialized professional indemnity policies for dentists with an indemnity level of up to £10 million, and you know that’s a good one.

They offer this amazing insurance product for all dental practitioners in about five simple steps, with higher-risk treatments covered, dedicated insurance advisors, and much more.

MMI4U - Amazing Dental Indemnity Insurance Features
MMI4U – Amazing Dental Indemnity Insurance Features

Most UK residents feel safe with MMI4U basically because they have over 30 years of experience and have been offering insurance from only UK-based A-rated insurers.

MMI4U covers:

  • Loss of documents
  • Misdiagnosis
  • Injury
  • Breach of confidentiality
  • Libel & Slander
  • Increased limit of indemnity
  • Legal costs
  • Good Samaritan Acts
  • Commercial legal protection

Use the button to get coverage:

#8. PolicyBee

This is a team that understands that both dentists and dental practices need the kind of fight-your-corner protection dental indemnity insurance gives.

They offer dental professionals excellent coverage plans that suit their budget and needs.

PolicyBee’s coverage includes:

  • Five years’ run-off cover
  • Up to £5,000,000 cover
  • GDC investigations and inquiries
  • Good Samaritan cover

Use the button to learn more about them:

Important Recommendations

Frequently Asked Questions

[sc_fs_multi_faq headline-0=”h3″ question-0=”What does dental indemnity insurance cover?” answer-0=”Dental indemnity insurance covers claims for clinical negligence, malpractice, and other errors or omissions in the provision of dental treatment.” image-0=”” headline-1=”h3″ question-1=”Do I need dental indemnity insurance if I already have general liability insurance?” answer-1=”You may still need dental indemnity insurance, as general liability insurance may not provide adequate coverage for dental professionals.” image-1=”” headline-2=”h3″ question-2=”How much does dental indemnity insurance typically cost?” answer-2=”The cost of dental indemnity insurance can vary depending on factors such as the type of policy and the level of coverage.” image-2=”” headline-3=”h3″ question-3=”What are some common scenarios where dental indemnity insurance would come in handy?” answer-3=”It would come in handy in a variety of scenarios, including allegations of misdiagnosis, failure to obtain informed consent, breach of confidentiality, and other types of malpractice claims.” image-3=”” count=”4″ html=”true” css_class=””]

In Conclusion

Dental indemnity is a severe topic as long as you are a dental professional. Trust me, it’s not a risk you want to take. Do well to take maximize this opportunity.

Feel free to visit us again.


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