Indemnity insurance
Medical indemnity that protects your career and reputation if a patient makes a claim against you.
- Private and non-NHS work
- Legal costs and GMC support
- Locum and sessional cover
Guaranteed Cheapest insurance cover in the UK
The lowest premiums for doctors. Guaranteed.
We guarantee the lowest premiums for UK doctors on indemnity, business, life, loss of earnings and critical illness cover, all arranged by one specialist team.
- Lowest premium guarantee on every policy
- Cover for GPs, consultants, junior doctors and locums
- Bundle your cover and save even more
5Types of cover
£0To get a quote
2 minQuick quote form
Lowest premiumGuaranteed
5 coversOne specialist team
Free quote
Find your lowest premium
Tell us what you need. A specialist will come back with your guaranteed lowest price.
- No obligation, no cost
- Reply within one working day
- Found it cheaper? We'll beat it
Thank you
Your request has been received. One of our specialists will be in touch within one working day with your lowest premium.
Specialist insurance for every type of doctor
- GPs
- Consultants
- Junior doctors
- Locums
- Surgeons
- Private practice
5Types of cover, one specialist team
LowestPremiums for doctors, guaranteed
£0To get a quote. No obligation
Our cover
Every policy a doctor needs, at the lowest premium
Choose one policy or bundle them together. Either way, we guarantee you won't find the same cover cheaper.
Business insurance
Cover for your practice, clinic or surgery, from your premises and equipment to your staff.
- Buildings, contents and equipment
- Public and employers' liability
- Business interruption
Life insurance
A tax-free lump sum for your family if the worst happens, so your mortgage and their future are secure.
- Level and decreasing term cover
- Joint or single policies
- Optional critical illness add-on
Loss of earnings cover
A monthly income if illness or injury stops you working, so your bills are paid while you recover.
- Own-occupation definition for doctors
- Tops up NHS sick pay
- Flexible waiting periods
Critical illness cover
A lump sum on diagnosis of a serious illness such as cancer, heart attack or stroke, paid when you need it most.
- Covers a wide range of conditions
- Children's cover included
- Use the money however you choose
Need more than one?
Bundle two or more policies with us and we'll cut your total premium even further. One team, one renewal date, the lowest price.
Bundle and saveLowest premium guarantee
The cheapest insurance cover in the UK. Found it cheaper? We'll beat it.
We're so confident in our prices that we guarantee the lowest premiums for doctors on every policy we arrange.
- 1
Get your quote from us
Tell us the cover you need and we'll search the market for the lowest premium.
- 2
Seen it cheaper elsewhere?
Send us the other quote for the same cover.
- 3
We'll beat it
We'll beat that price, so you always pay the lowest premium.
How it works
Covered in four simple steps.
You look after your patients. We'll look after the paperwork and make sure you never pay more than you need to.
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01
Tell us about you
Fill in our two-minute form with your role and the cover you need. No obligation and no cost.
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02
We search the market
Our specialists compare policies from leading UK insurers to find the lowest premium for doctors like you.
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03
Choose your cover
We explain your options in plain English, so you can pick the right cover with confidence.
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04
You're protected
Your cover starts and you pay the lowest premium, guaranteed. We'll review it again at every renewal.
5-in-1Every policy a doctor needs, in one place
Who we cover
Insurance built around a doctor's career.
From your first foundation year to running your own practice, your cover grows with you and always at the lowest premium.
NHS and private doctors
GPs, consultants and surgeons, whether you work in the NHS, privately or both.
Junior doctors and locums
Affordable cover from day one, with flexible policies for sessional and locum work.
Practices and clinics
Business insurance for partners and practice owners, from premises to staff.
Why Insurance4Doctors
Why doctors choose us
Lowest premiums, guaranteed
Find the same cover cheaper anywhere in the UK and we'll beat it. It's that simple.
Specialists in doctors
We only insure doctors, so we understand your contracts, your risks and NHS benefits.
All your cover in one place
Indemnity, business, life, income and critical illness cover, managed by one team.
Quotes in minutes
A two-minute form and a fast response. We know your time is precious.
Cover that grows with you
As your career and income change, we review your cover so it always fits.
Support when you claim
If you ever need to claim, we're on your side and help you every step of the way.
FAQs
Questions, answered
Can't find what you're looking for? Get in touch and we'll be happy to help.
How does the lowest premium guarantee work?
We search the market for the lowest premium for your cover. If you find the same cover cheaper elsewhere, send us the quote and we'll beat it.
Which doctors do you cover?
GPs, consultants, junior doctors, locums, surgeons and doctors in private practice across the UK, at every stage of their career.
Do I need indemnity cover if I already have NHS indemnity?
NHS indemnity only covers your NHS work. Private practice, Good Samaritan acts, GMC hearings and some non-clinical work usually need separate indemnity cover.
What is loss of earnings cover?
Loss of earnings cover, also called income protection, pays a monthly income if illness or injury stops you working, so your bills are covered while you recover.
Can I combine several policies?
Yes. You can bundle indemnity, business, life, loss of earnings and critical illness cover with us, which usually lowers your total premium.
How quickly can I get a quote?
Fill in the short form and a specialist will come back to you with your quote, usually within one working day.
Stop overpaying for your cover.
Get the lowest premium for doctors, guaranteed. It takes two minutes.