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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club

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Your indemnity renewal lands and the number looks bigger than last year, so the obvious question is: are you paying more for the same thing, or paying for protection you can actually rely on? We sit down with Adam O’Keeffe from AllMed Pro Insurance Specialists to translate the confusing bits of dental indemnity into plain English, so UK dentists can make sharper decisions at renewal time.

We talk through why renewals peak around July, August and September, why indemnity premiums often rise quickly in the first years after qualification, and how claims trends and claims costs feed into pricing. Then we move past the headline quote and into what really determines value: 24/7 access to dental legal advice, whether you can get claims occurrence cover, and whether your policy has contract certainty with clear terms and conditions and the safety net of the Financial Ombudsman Service.

The most important comparison is discretionary cover versus insurance-backed cover, plus the often-misunderstood world of claims-made policies. We explore what happens if a complaint arrives years after treatment, how retirement and runoff cover fit in, and why vicarious liability means a law firm may pursue multiple parties, including the practice. Adam also shares a practical checklist of extras that can matter when things escalate, including contingent cover when switching provider and PR and reputation protection if a story reaches the press.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

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