This tool provides indicative estimates only and does not constitute financial, insurance, legal or regulatory advice. Final terms are determined by providers.
Indemnity,in focus.
Dental indemnity, made clear.
Compare every major UK provider and get cover that is right for you.
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What clinicians across the UK say about Insurance & Indemnity.
“Dentists are time poor and no one wants to spend their free time trawling through all the different policies and providers' websites. Now there's an easy way to quickly compare what is included in different policies.”
“I&I took all the stress out of comparing one provider with another and helped me find the one that was right for me.”
“The dental indemnity market is certainly growing and with that comes the additional welcome need for making the entire process smoother, easier and more transparent. I&I do just that. If you are looking at changing your provider you certainly won't be disappointed!”
“I&I saved me over £1,200 a year on my indemnity cover and helped me find a provider that better understood my needs as an implantologist.”
Comparing data from leading providers
How it works
Tell us your role
Select your GDC professional title and clinical status to start the profile match.
Clinical scope
Detail your clinical activity, from routine general care through to specialist work.
Instant ranges
Compare estimated premium ranges and key cover differences side-by-side.
Request a quote
Connect directly with your preferred provider, only share details when you choose to.
All Med Pro, a strong option for fast online cover.
All Med Pro offers contractual indemnity insurance with a fast online quote process, tailored for UK dental professionals. Featured partner. This does not affect our comparison methodology.
Why this exists
Clearer information. Better decisions.
Premiums are rising, cover types are confusing, and comparing providers takes too long. We bring the essentials into one place so you can make a more informed decision.
Common questions about UK dental indemnity
Plain-English answers to the questions dentists, hygienists, therapists and nurses ask most about indemnity and insurance cover.
Do UK dental professionals need indemnity insurance?+
Yes. The General Dental Council (GDC) requires every registrant, dentists, dental hygienists, therapists, nurses, technicians and clinical dental technicians, to hold appropriate indemnity or insurance for the full scope of their practice before treating patients in the UK.
What is the difference between discretionary indemnity and contractual insurance?+
Discretionary indemnity is provided by a mutual or defence organisation that decides case-by-case whether to support a claim and is not regulated by the FCA as an insurance contract. Contractual insurance is a regulated policy with defined wording, so the cover you pay for is the cover you receive provided the claim falls within the policy terms.
How much does dental indemnity cost in the UK?+
UK dental indemnity typically ranges from around £400 a year for a dental nurse or hygienist to £2,000–£8,000+ a year for a private dentist or specialist. Premiums depend on your role, clinical scope, NHS/private mix, claims history and whether the cover is contractual or discretionary.
What is run-off cover and do I need it when I retire?+
Run-off cover protects you against claims that arise after you stop practising for treatment you carried out while insured. It is essential for claims-made and contractual policies because dental claims can be brought years after treatment. Discretionary schemes usually offer ongoing assistance for past acts at their discretion instead.
What is the difference between occurrence and claims-made cover?+
Occurrence cover responds to incidents that happened while the policy was in force, no matter when the claim is brought, so you remain protected for past work even after the policy ends. Claims-made cover only responds while the policy is active, which is why run-off cover is needed when a claims-made policy is cancelled or you retire.
Which dental indemnity providers operate in the UK?+
Major UK dental indemnity and insurance providers include Dental Protection (MPS), the Dental Defence Union (DDU/MDU), MDDUS, BDA Indemnity, All Med Pro, Densura, Taylor Defence Services (TDS), the Dental Defence Society (DDS) and Professional Dental Indemnity (PDI). Cover models, claims handling and pricing vary between them.
Can I switch dental indemnity providers mid-year?+
Yes. You can change provider at renewal or mid-policy, but check that historical work is still covered, either through occurrence/run-off arrangements with your previous provider or by purchasing nose cover (retroactive cover) from the new one before you switch.
Does dental indemnity cover GDC fitness-to-practise investigations?+
Most UK dental indemnity providers include dento-legal advice and representation for GDC fitness-to-practise investigations, inquests, NHS performance hearings and complaints, alongside cover for clinical negligence claims. Always check the policy wording or member terms for limits and exclusions.
How are the premium estimates on this site calculated?+
Estimated premium ranges are derived from publicly published rates, provider literature and anonymised submissions from UK dental professionals. We never invent numbers, where data is thin or sensitive to underwriting it is labelled as indicative, and final terms always come from the provider.
Is this dental indemnity comparison tool free to use?+
Yes. The comparison tool is free for UK dental professionals, requires no account and does not share your details with providers unless you choose to request a quote. Featured commercial partners are clearly disclosed and do not affect the objective comparison methodology.