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Locum Insurance is designed to cover costs which will be incurred if a practitioner can’t work.

If you’re taking out cover for yourself, we’ll ask you how much money you would need, on a weekly basis, if you couldn’t work.

If you’re taking out cover for your practice, we’ll ask you how much money you would need, on a weekly basis, for each of the colleagues and members of staff you’d like to insure.   

GPs

If you’re a GP you might decide to base this on the cost of a locum to cover for you, your colleagues and staff.  Locum costs vary significantly from one area to another but you’ll probably know, from past experience or from talking to other doctors in your area, how much you’d have to pay.  And remember that, depending on the locum’s age, you might have to pay superannuation as well.

Note, though, that even if you base your insurance on the cost of a locum, we won’t ask you to provide locum invoices if you need to claim.  This means that if, for example, you’re insured for £2000 a week, this is the amount payable if you claim – regardless of whether you bring in a locum.

So, if you need to claim, you can use the money as you see fit.

Dentists, vets, opticians

If you’re a dentist, vet, opticians or allied health professional you might decide to base this on the cost of a locum to cover for you or you might want to work out how much it would cost to keep your practice going (the weekly overheads) if you couldn’t work.

No matter how you worked out your weekly sum if, for example, you’re insured for £2000 a week, this is the amount payable if you claim.

Meaning you can use the money in the best way for your practice.

Testimonials

Fabulous!

IFA, Hampshire

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