How to Switch

Want to become a member of Practition?

Medical Indemnity policies issued by our panel of Insurance Companies are underwritten on a claims-made basis, providing coverage from the time you join. They also include protection for your historic work through retroactive cover.

Switching from an insurance company

How to Switch in 3 Simple Steps:

Contact us or use our online portal to complete our proposal form and receive a personalised quote. Our experts will guide you through cover options to fit your needs.

Provide your existing policy details, and we’ll coordinate the switch, ensuring no gaps in cover.

Continuous protection if your current policy is “Claims Made” and therefore Practition will pick up the retroactive cover.

* The insurance policy provided by Practition is written on a claims-made basis. This means that claims are handled under the terms of the policy in effect at the time the claim is reported, rather than the policy in force when the original error or omission occurred.

Will there be a coverage gap?

No, we ensure a seamless transition, so you remain protected throughout.

What documents do I need?

Just your current policy details and the completion of our proposal form. We’ll manage the rest.

Can I switch mid-term?

Yes, depending on your current insurer’s terms. Our team will help you explore the best options.

Switching your insurance to Practition is a stress-free experience backed by industry expertise and personalised service. Contact us today to make the move and experience the difference

Let's go!
Contact me closer to my renewal date

Switching from a mutual body (Medical Defence Organisation)

If you’re considering switching from your current mutual body, there are two key differences to note:

Policy Type

Mutual bodies typically offer policies on a claims-occurrence basis, while switching to Practition would provide coverage on a claims-made basis. Don’t worry – Practition policies include a minimum of 21 years run-off cover to protect you in the event of 
retirement, cessation of trading, or death. We recommend checking with your current provider to understand your coverage, and we can work to address any gaps in cover should this come to light.

Regulated Coverage

Mutual bodies offer non-regulated discretionary cover, whereas Practition provides a contractual, regulated policy for added clarity and security.

It’s also worth noting that mutual bodies often conduct income audits, which can result in deactivated memberships or coverage being cancelled ab initio. Practition can assist if you face such challenges—please reach out to our team to explore your options.

Will there be a coverage gap?

No. As mutual organisations are on a claims occurrence basis, any complaint or claim that may arise before joining Practition, will continue to be handled by your previous provider.

What documents do I need?

Just your current policy details and the completion of our proposal form. We’ll manage the rest.

Can I switch mid-term?

No, mutual organisations do not allow you to cancel mid-term and therefore we will be able to assist with the transition at your next renewal date.

Let's go!
Contact me closer to my renewal date

Ready to make the switch?

If you wish to switch from another insurance company, all we need is your acceptance of our terms and we will do all the rest.

Your Practition policy will pick up your retroactive cover.

Let's go!