Clinical negligence
Treatment or consent allegation
Surgical, medical and procedural claims can involve lengthy investigation and significant defence costs.
Profession cover
Doctor Indemnity Insurance
Doctor medical indemnity: get a tailored quotation in minutes. Cover depends on your speciality, limits and how you practise.
Get a quoteTakes about 5 minutes · Secure online application · Immediate cover
The work
Medical indemnity for hospital and private doctors
When it comes to reliable indemnity insurance for doctors in the UK, look no further than MMI 4u. We specialise in arranging expert and comprehensive medical indemnity insurance specifically designed for doctors across the UK.
Our specialised doctors indemnity insurance policies offer reliable indemnity cover, protecting you from legal liability that may arise from the medical advice and treatment you provide.
If you've faced challenges obtaining cover from the Medical Defence Union (MDU) or any other medical organisation, we are here to assist you. Our specialist indemnity insurance for doctors offers comprehensive coverage and peace of mind, even if you have been declined coverage by other providers. We understand the importance of protecting your livelihood and your reputation, ensuring that you can continue to serve your patients with confidence.
Where claims come from
Illustrative situations, not a statement of what your policy covers.
Communication
Consent or disclosure dispute
Allegations that risks were not explained or alternatives not discussed often sit alongside clinical claims.
How you practise
NHS, locum and private mix
Declare every setting and session type so your schedule matches your actual practice pattern.
On the quote form
Cover you can select
These are options you can build on the quotation form. Your quotation and schedule confirm what applies to your policy.
Professional indemnity
Core medical malpractice cover for claims alleging negligent advice, diagnosis or treatment, with limits up to £10 million available on our form.
Locum and private practice
Cover locum agencies, private clinics and portfolio careers on one quotation where eligible.
Public liability
Optional if patients visit premises you control: slips, trips and property damage.
Run-off / tail cover
Important when you retire or change insurer; discuss your circumstances with us.
Quoting takes about five minutes
Secure online application. Immediate cover.
1
Tell us about your role
Your profession, scope of practice and how you work.
2
Choose your cover
Select limits and optional add-ons on the form.
3
Submit your details
We review your application and prepare terms suited to you.
4
Receive your documents
When cover is agreed, documents are sent by email.
Claims we have handled
Illustrative situations for medical professionals. Each outcome depended on the cover in force at the time.
Surgery
Three years after stomach surgery, a patient suffers a twisted bowel resulting in a severe obstruction requiring emergency surgery. The surgeon who undertook the initial procedure received a claim in excess of £50k in compensation and fees. It is alleged that failure to complete the initial surgery correctly led to this complication.
Professional indemnity responded to the claim for compensation and legal fees.
General practice
A parent took their infant for a check up following recent signs of illness to which the GP noted as 'not serious'. The child later developed meningitis and subsequently lost hearing on one side. A claim was made for negligence in respect to the doctor's failure to refer the child and misdiagnosis.
A negligence claim was pursued for failure to refer and misdiagnosis.
Dental
Following the fitting of dental braces, the patient suffered severe headaches and jaw pain. On formal investigation, it was discovered that the technician had misinterpreted the dentist's instructions and the sizing was incorrect. A claim for compensation and fees in excess of £5k was made for the pain and suffering.
A claim for compensation and fees was made under the policy in force at the time.
Emergency care
In response to an emergency call, a paramedic began to resuscitate an unconscious patient. Despite successfully resuscitating the patient, during the process the paramedic unfortunately caused the patient to suffer a fractured rib. A claim was made in negligence against the paramedic by the patient following the injury sustained.
A negligence claim followed the injury sustained during emergency care.
If a client raises a concern
Note what happened while it is fresh, keep your consent and aftercare records together, and call the claim line shown on your schedule. Don't accept responsibility on the spot; let the claims team assess it first.
4.9 out of 5 from 405 Google reviews
Clair had dealt with myself when it came to sorting out an insurance policy. Customer services was great. There seemed to be an issue (no fault of her own) which was resolved immediately. Cannot recommend this company...
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2 months ago · Google
Absolutely brilliant for the indemnity I need. No hidden costs, just pay what I'd quoted and you're all set and covered for the year. It was so much cheaper than going through other sites. Would definitely recommend.
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3 months ago · Google
Super Easy And Efficient Insurance Cover. MMI 4U Has Everything Dental Professionals Need! Fast Transaction Method And Communication By Email. Definitely Recommend x
Shivon Chopra
3 months ago · Google
Doctor Indemnity Insurance FAQs
Most doctors need professional indemnity (medical malpractice). Add public liability if you see patients on premises you control, and employers' liability if you employ staff.
Medical indemnity (medical malpractice) is usually on a claims-made basis: the policy in force when you notify a circumstance or claim typically responds, subject to your retroactive date and policy terms.
Where public liability is included, that section is often on an occurrence basis (incidents during the policy period). The basis for each section can differ by profession, insurer and product.
Always check your quotation, schedule and policy wording for the basis that applies to each section of your cover. See our guide on claims-made v claims occurring.
Complete our secure online quotation form for doctors. We review your scope of practice, limits and claims history before preparing terms suited to you. An advisor will contact you if we need further information.
Premiums depend on your speciality, limit of indemnity, income or session fees, and claims history. The quotation and schedule confirm the price that applies to you.
Get a quote for doctor cover
Complete the form and we will help arrange cover suited to your scope. No obligation.
Get a quoteRather talk it through? Call 01773 810072, Monday to Friday, between 8am and 5pm.
The information on this page is general information only and is not personal advice. Cover is subject to policy terms, limits and exclusions. Always check your quotation and schedule. MMI 4u is a product of C I 4 U GB Nationwide Limited, authorised and regulated by the Financial Conduct Authority (FRN 496879). Registered in England No. 06671640.
Doctor Indemnity Insurance