Howden, for 3 Cs and a safety net
Featured Products Promotional FeaturesPosted by: Dental Design 13th September 2023
The quality of your dental indemnity can mean more peace of mind, and less stress.
It may be a subject that you don’t know much about, despite it being a requirement for all dentists and dental professionals in the UK. Many of you may still be indemnified by a Medical Defence Organisation (MDO), without realising the consequences this could have for you and your patients, should someone successfully pursue a claim against you.
Discretionary indemnity, which MDOs provide, really is just that – offered at their discretion. MDOs can withdraw their right to indemnify, and do so. There have been cases in the UK of patients who spent years in the claims process, only to win, and then not receive a penny of compensation, due to an MDO exercising their discretion.
A changing industry
With robust indemnity that is insurance-backed you get the confidence of cover in a broad number of scenarios. Howden is a specialist provider of indemnity protection for dentists and dental professionals. We understand dentistry inside and out. We have seen how much the industry has changed, and how fast. We know that modern dentists regularly add to their skillset, in order to offer more services. Howden’s offerings are flexible, to reflect the changing nature of the treatments you deliver and tasks you do.
The Howden safety net
If you think it’s too much hassle to switch your insurance, or are worried about leaving gaps in your cover, this is where the Howden safety net comes in. If you have ever been with an MDO and, should the worst happen and they exercise their discretion, our policy will step in and protect you – as if you were insured with us at the time. It helps to offer peace of mind so you can switch with confidence.
With Howden, you will see what is and isn’t included. Our policies always use clear wording, meaning no nasty surprises.
Quality that doesn’t cost the earth
Our premiums are affordable, because we strongly believe that cost shouldn’t inhibit people from accessing the very best indemnity. Give us a ring to get a FREE no- obligation quote and you may be surprised! You can even pay in 12 interest-free instalments if that suits you better.
Value is also important to us, and if you switch to Howden you will gain access to a whole host of specialist support services. These include: a 27/4 mental health helpline; 24/7 medico legal helpline; PR advice and crisis management; in-house claims handlers; Good Samaritan acts cover; vicarious liability cover for practice owners – and more.
Our approach
Just remember the 3 Cs – with Howden you can have Confidence in our Cover that’s Cost-competitive. The 3 Cs epitomises our approach, which is simple, straightforward and entirely fit for modern dentistry. Not only has the industry changed, but patients have changed too. They have higher expectations and are more willing to pursue a matter, even if their treatment was delivered years ago. No-win-no-fee law firms actively encourage people to try for a claim – what have they got to lose; the adverts say. Also, patients are finding out a lot more about dental disease and how it can progress over time. Perhaps they believe there was a missed diagnosis, which has led to them needing more complex treatment. The internet has given them access to information and this is empowering them to be tenacious, if they believe the care they received didn’t live up to standard.
Howden wants dentists and dental professions to enjoy their work, and enjoy engaging with people, without feeling defensive about the possibility of a claim. When dealing with the public, particularly in an industry under pressure, complaints are a fact of life. In dentistry, they are becoming more common, too.
If you’ve practised for years without experiencing one, you may have no idea what to do first! When you’re with Howden, just call us right away and we will be on your side from that point.
Howden can take care of your career, livelihood and emotional health. Call us today to find out how.
For more information, please visit
www.howdenmedicalindemnity.com or call 020 3918 912.
Howden Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority in respect of general insurance business. Registered in England and Wales under company registration number 725875. Registered Office: One Creechurch Place, London, EC3A 5AF
