Indemnity Insurance

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Medical indemnity Insurance you can trust

At MMI 4u we offer specialised indemnity policies for most medicial professions, with many available to buy online in a matter of minutes. Fill out our online form and get a quote, today.

Our team of experts are dedicated to protecting your livelihood and your reputation. Our medical indemnity insurance is underwritten by certain underwriters at Lloyd’s and/or London Company Markets (A Rated), offering you comprehensive medical malpractice cover and peace of mind.

Our policies are an are an insurance product with an indemnity level of up to £10 million – the product offers contract certainty and is enforceable in the courts.

Claims Made Basis

Policy cover is on a "claims made" basis, which means that our insurance policy pays those claims that occur and are filled while the policy is active and in force. Any claims made while your policy is active will be fully covered under our policy as long as they are made and reported after the retroactive date stated in the policy.

Benefits of Tail Coverage Insurance

Medical professionals retiring at the normal age of retirement (65 years) and who've been insured by our scheme for a continuous minimum period of 10 years before reaching 65 can benefit from Tail Coverage insurance, so that they can retire in peace knowing that MMI 4u has them covered. Run off cover is required once the policy has been cancelled. This is to cover any claims that may arise subsequent to the cancellation of the policy.

Declined Cover from the MDU?

As well as providing medical indemnity insurance for standard cases, we also specialise in providing cover for medical professionals who have previously been declined cover from the MDU. If this is your case, get in contact today to find out more.

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Making insurance simple

Choose your limit of cover

Whether it's £500,000 or £10,000,000 you need, even if you've previously been declined insurance, we've got you covered.

Add additional insurance

Add optional commercial legal protection to your policy.

Safe & secure online applications

Use our simple and secure online form to request your quote.

Stress-free insurance

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Simple quote form

Get a quote with our online form in 6 simple steps.

UK based contact centre

Our UK based call centres are full of friendly staff who are here to help.

Peace of Mind

With over 30 years of experience, and only offering insurance from UK based A-rated insurers, you're in good hands.

Commercial Legal Protection

Our Commercial Legal Protection product aims to provide market leading coverage with sectors of cover that work for you'd covering many areas within your day to day business.

Our payout for all legal costs and expenses, (solicitors etc) amounts to £100,000. Appeal costs are included in this category. Provision for payouts cover the following costs which may be incurred: disciplinary hearings, contract dispute cover, personal injury and legal advice services.

Additional Legal Services

Prior defence of legal rights for both the employer and employee in the case of business-related offences: both police and health safety issues. Non-criminal related prosecutions defence (both employer and employee) relative to section 13, Data Protection Act of 1998, inclusive of compensation payouts, is covered.

Furthermore, we handle appeals both in the case of application or registration refusal, as well as legislation negatively affecting business activity. In addition, we take care of civil defence regarding the accusation of theft, and employee jury attendance expenses.

We provide a handy manual covering updated legislation. As part of our service, we have a database of expertly compiled legal documents. Just sign, and you're ready to go! There are also various useful tool accessories to the legal processes of commercial legal protection made available for your convenience.

For a further summary visit our commercial legal protection page page.

What We Cover

  • Misdiagnosis
  • Injury
  • Breach of Confidentiality
  • Loss of Documents
  • Libel & Slander
  • Increased Limit of Indemnity
  • Legal Costs
  • Good Samaritan Acts
  • Commercial Legal Protection
Find out more

Looking for further information?

Speak to one of our friendly and helpful advisors

02071 185247

Lines open between 8am and 8pm, Monday to Sunday

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Medical Malpractice Insurance FAQs

How can I get a quote?

You can get a quote by filling in our simple to use online form, or by clicking any of the "get a quote" buttons throughout our site.

If there's anything you're unsure of give us a call on 02071 185247, one of our advisors will be happy to help.

If you'd prefer for us to give you a call, you can request a call back request a callback and we'll give you a call back at a time that suits you.

Offering specialist indemnity policies to medical professionals in the UK and Ireland, we've got you covered no matter what the scenario.

Exactly how much cover do I need?

You'll be hard pushed to find an insurance company who will advise you exactly how much cover you need, principally due to liability reasons. The responsibility to take out adequate cover largely falls in your hands, although our helpful advisors will be happy to discuss your options and explain how you can come to a conclusion regarding cost.

Sometimes you may also find that your job stipulates the amount you require. If you're looking for other options, you'll find that many industry organisations and professional bodies will likely be able to offer useful advice.

Can I get a quote and buy online?

We currently offer the option for a wide range of professions to get a quote and buy online, including Dental Nurses, Dental Technicians and Paramedics. Providing immediate coverage and documentation, you can complete the entire process within minutes.
For all other professions, you can fill out our online form and we'll get straight back to you with your quote details.

How much is indemnity insurance from MMI 4u?

Our policies start from just £45 per year and include the option to add additional Commercial Legal Protection.

Who needs medical malpractice insurance?

Any medical professional that deals with patients on a daily basis should get medical malpractice insurance. In our highly litigious society, a lawsuit by a disgruntled patient could cost you a fortune or even your career. So make sure that you have the right medical cover for your profession.

What are "claims made" policies?

MMI 4u normally provides an insurance policy on a "claims made" basis, which means that it responds to claims that are first made against you and notified to insurers during the period of the policy and the run‐off period.

What if I've been declined cover from the MDU?

We offer specialist policies for people who have been declined indemnity cover with their Medical Defence Union (MDU). Our simple online quote form will ask you questions regarding your previous insurance, once that's complete we'll do the hard work for you and help arrange cover - making sure you can concentrate on what matters most, your business.

What if I've had previous claims or disciplinary actions?

Just like with previously declined cover, we offer specialist policies for people who have had previous claims or disciplinary actions. We believe no matter what the scenario, everyone has the right to work and have a second chance.

What is "run-off" insurance coverage?

Run-off coverage protects you for a limited time even after you’ve left the medical field in case any claims are formulated against you by previous patients. In most situations, medical malpractice insurance ends when you exit the medical profession. Run-off coverage is used as a precautionary measure to provide you with extra peace of mind in the event a former action, event or patient alleges malpractice against you.

Do I need to purchase "run-off" cover?

If you have indemnity arrangements that are not an occurrence based product – for example, claims made products – you will require run-off cover, unless the terms of your cover specify any defined circumstances where this would not be required. If you are unsure of your current indemnity arrangements then you should contact your existing indemnity provider.

What happens if I retire or cease trading?

Run-off coverage protects you for a limited time even after you’ve left the medical field in case any claims are formulated against you by previous patients. In most situations, medical malpractice insurance ends when you exit the medical profession. Run-off coverage is used as a precautionary measure to provide you with extra peace of mind in the event a former action, event or patient alleges malpractice against you. Speak to one of our advisors for more details.

What is the Clinical Negligence Scheme for General Practice?

From 1st April 2019, NHS Resolution will be operating a new state-backed indemnity scheme for general practice in England called the Clinical Negligence Scheme for General Practice (CNSGP). For full information we recommend to check the Resolution NHS website directly at

Is it possible to pay in instalments?

We offer the option to pay-monthly via direct debit if your policy is over 90, so you can spread the cost of your policy throughout the year.

How can I find out more?

For a much more in depth look at our frequently asked questions, visit our FAQ page.

Medical Malpractice Insurance Claims

We're here to help take the stress out of insurance.

Insurance professional discussing claim with client

Here to help

The world of insurance can be daunting, especially when relating to complicated matters such as liability and compensation when a claim is being made against you. Even before an official claim has been made, the team of legal advisors we work with will be there to help you.

In terms of the claim itself, our advisors can guide you through the steps you need to take to prepare and how to further protect yourself.

How to make a claim

To discuss your insurance requirements further, or to make a claim on an existing policy you can call us on:

02071 185247

Lines open between 8am and 8pm, Monday to Sunday

Smiling insurance advisor on the phone to a client

Protect yourself and your business with MMI 4u

MMI 4u is one of the UK's leading provider of insurance for medical professionals. We offer a wide range of policies to suit your needs.

Our Insurance Products

  • Medical malpractice insurance
  • Legal protection
  • Public Liability Insurance
  • Cover for NHS work
  • Cover for non-NHS work
  • Cover for those previously declined
  • And more

Why Choose MMI 4u

  • Affordable rates
  • Wide range of policies
  • Easy to use website
  • Buy-online in minutes*
  • Pay via Direct Debit
  • Receive policy documents instantly*
  • Expert advice

We understand that working as a medical professional can be challenging, so we make it easy to get the insurance you need. Simply get a quote online in minutes, and we'll get you covered quickly and easily.

Contact us today to learn more about our medical indemnity products.

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  • Get a quote in less than 5 minutes
  • It's fast, free and easy!

Rated 4.9/5

On Google

Buy Online