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  • General Questions

    How do I know that I won't be spammed?

    The information given to us including your email address is treated with the strictest confidence. We and the insurers are the only people who will see your details. Every now and then we send out newsletters on subjects we feel may be pertinent to you, and the running of your company, but these will only ever come from us and never from an outside third party.

    How long does it take to purchase cover?

    We strongly recommend you view the ‘Policy Wording’ and ‘Summary of Cover’ documents which can be found on our Important Information or Product Information page, ensuring the coverage given under our policies meet with your individual requirements. If our policies are acceptable, then the purchasing process - from obtaining a quotation to printing out your documentation - takes less than five (5) minutes.

    I have recently applied for cover, but have not received my login details?

    If you have completed an online application and been accepted, your ‘My Trafalgar Portal’ login details will be sent to the email address included within the application. Therefore, please ensure the email address you use is one that can be accessed easily and one that you regularly check. Occasionally our confirmation and invoice email may be sent to the spam section of your emails. In these instances, it is advisable to 'safelist' the trafalgarinsurance.co.uk emails to ensure this doesn't happen again. You can also click the link ‘Forgot my Password’ and receive a password reset to access your account.

    Is your website secure?

    Our website uses high grade encryption (RC4 128bit). Encryption makes it very difficult for unauthorised people to view information travelling between computers. It is therefore very unlikely that anyone could read information as it travelled across the network.

    Do you follow GDPR guidelines?

    Our main purpose is to obtain an insurance quote, arrange an insurance policy for you and service that insurance policy as required. Some of that work may be undertaken by us as cover holder of the insurer (where we would still act as a Data controller). Our main legal reason will be one of the following: We are arranging a contract to which you (or the legal entity you work for) will be a party. We are providing you (or the legal entity you work for) a service as an insurance broker or at some point in the future a credit broker and that may be under a contract (written or otherwise) we have with you (or the legal entity you work for). We may be following our legitimate business interests of acting as an insurance broker or at some point in the future a credit broker.

    What is Insurance Premium Tax (IPT)

    Insurance policies do not attract VAT (apart from one or two exceptions). In its place is Insurance Premium Tax, which is calculated as a percentage (12%) of gross premium applicable to each policy. This IPT is taken by us and paid over to insurers, who then pass it on the Inland Revenue.

    What is the Admin Fee for?

    As our premiums are highly competitive, the commission earned from insurers are not enough to meet the administration and marketing costs involved in running our schemes. Therefore, we charge an Admin Fee on each individual risk to offset these costs. However, we continually check our premiums to ensure the overall cost to you isn't excessive, and remains market competitive. If we find this isn't the case, our premiums and fees are reviewed accordingly.

    Which Insurers do you use?

    We use a number of Insurers for our schemes and these can be found on our website or on the Policy Wordings found on the Important Information page, as well as shown on your Schedule of Insurance document after purchase.

    Why do I need to provide an email address?

    Our philosophy is to make the purchasing and renewal of your insurances as quick and easy as possible. Therefore, streamlining the process to a complete on-line facility is optimum. For this to work we need to know your email address most used, as this is how we will contact you during the policy period and to advise you of renewal.

    Will I receive anything in the post?

    We have streamlined our entire operation to ensure everything you require is available either online, or emailed to you. Nothing is posted using 'snail mail' unless we receive no response to the renewal email reminders, in which case we will send one hard copy letter to the address we have on record for you. This usually only happens if the email address we hold for you is no longer current.

    What happens if I change the practice I am working at, or the amount of hours I work?

    The insurance policy provided by Trafalgar is not limited by the amount of hours you work, as it covers you for any work completed (within the GDC Scope of Practice). This generally is also the case for which practice you are working at, however if you have a query about working at another practice / working at multiple practices, please get in touch with us directly and we can advise further.

    How do I get a copy of my ‘Letter of Good Standing’?

    If you have moved to a new insurer and need a copy of your ‘Letter of Good Standing’, please get in touch with us directly, and we will be able to liaise with your previous insurers to retrieve a copy of this for you.

  • Policy Documentation

    Can I look at what you cover before I buy a policy?

    Our website includes a summary of cover for each policy we sell, along with the corresponding policy wording. This provides you with all the terms and conditions applicable.

    How long is it before I receive my documentation?

    The summary of cover and policy wording are available on our website at any time to view and print out. Your schedule of insurance is ready immediately once cover has been confirmed online, and will be emailed directly to your registered email address. If you pay by credit card, we email your ‘My Trafalgar Portal’ login details to you straight away and the schedules can be viewed and printed. If you choose to pay by BACS, then we will send you the relevant login details once the funds have been received by us. If

    Why is the premium(s) on my policy schedule(s) different to the amount I paid for my insurances?

    Under UK Law we are required to show the premium & insurance premium tax charged by the Insurer for that specific policy on the schedule of insurance. The overall amount we quote and that you pay includes our Policy Fee, which is initially shown on the quotation page and then also within the invoice we email to you. This is the difference in the amounts. You can also view your ‘Policy Invoice’ which will show you the full breakdown of your premium on one page.

    Do I put my practice name in the ‘Company Name’ question?

    The policy covers you personally, and therefore you can either put your personal name in this field, or your practice name. It would not influence your coverage.

  • Quotations

    Can quotations be given over the phone?

    We are unable to provide clients with quotations over the telephone. To obtain a quote, you will need to use our websites quotation engine.

    Why has my application been queried?

    When completing your application, you will be asked some questions set by the insurers. If you need to give some further information within one of these questions, this will trigger a ‘queried application’ which is forwarded to the underwriter at the relevant insurance company to review and respond to. The process is generally quick, with a response give within 24-48 hours, however this is dependent on the underwriter.

    What is the benefit of becoming a BADN member?

    As we are commercially partnered with the British Association of Dental Nurses (BADN), we offer members a discounted premium. If you would like to become a member, please visit the website www.badn.org.uk.

    How long does it take to get a quote?

    Obtaining a quotation takes less than 30 seconds! Simply input your estimated annual turnover; trading status; number of employees and the limit of indemnity you require and a quote will be given.

    My partner is employed and is on the payroll. Should I include them within the number of employees?

    Yes, they should be included even if they are only employed in a company secretarial or administration role.

    What if my turnover increases during the year?

    Whilst it is important that you declare your true estimated annual turnover for the period of the insurance's, its main use is to calculate premium. Should during the policy period your turnover increase slightly, due to additional contracts obtained, then we really don't need to be advised. All you need you to do is declare your updated turnover when renewing your policy next year. However, should your turnover increase dramatically during the policy period, it is always advisable to make insurers aware of this fact. In these circumstances insurers may choose to ask for an additional premium, or simply note the new turnover and ask for it to be declared on renewal. If you are unsure as to what constitutes a marginal increase, it is always advisable to email us the details and we will pass these onto insurers on your behalf and let you know their reply.

    What will the quotation include?

    Our quotations are made up of the gross premium required by Insurers, along with the IPT payable and our Admin Fee. The IPT & Admin Fee are specified at the bottom of each quotation.

    Why do you charge an Admin Fee?

    For us to successfully operate a streamlined online system as we do, our premiums need to be highly competitive. Unfortunately, this means we have to add an Admin Fee to the commission paid to us by Insurers on each case to meet administration and marketing costs. However, we continually check our premiums against market competitors to ensure the overall cost to you, including our Admin Fee, isn't excessive and remains competitive. If we find this isn't the case, our premiums and fees are reviewed accordingly.

    I am a BADN member, how do I take out an insurance policy?

    If you are a member of the BADN, and have yet to take out your insurance policy, you can do this by logging in to your BADN portal on www.badn.org.uk and follow the links to take out a policy.

    The link in my BADN members portal is not working, how do I take out a policy?

    If you are having issues logging in to the BADN portal to follow the link through to the Trafalgar website showing the BADN member discounted premiums, another way to process your application with ourselves is to: 1. Go to our website www.dentalnursespi.co.uk which shows the full price premiums (for dental nurses who are not members of the BADN). 2. If you apply for a full price policy like normal but enter the same details as saved in your BADN account (same First Name, Surname, Email Address, GDC Registration Number and current BADN membership number). Our website will recognise you are a current BADN member, and will automatically discount your premium to the BADN members discounted premium instead. 3. The website will log that the application is for a BADN member (rather than full price) and ask ourselves to confirm - which we can do for you quickly. Once we confirm, you will receive an email letting you know and you will be able to pay for your policy and be covered.

    What activities are covered in each level of cover?

    If you would like to see what activities are covered under each level of cover (Basic Duties / Extended Duties), please visit the quote page of our website www.dentalnursespi.co.uk where there is a breakdown of activities. If you have any queries of a specific activity, please get in touch with us via email, so we can confirm with underwriters on your behalf.

    How do I increase my level of cover during my policy?

    If you need to increase your current level of cover, you can do this through your My Trafalgar Portal on www.dentalnursespi.co.uk. When you login to your account, you will see a link to ‘Change my Cover’. This opens a quote page where you will be able to review what current level of cover you are currently insured under, and choose to increase this to the higher level of cover if needed. You will be quoted a pro-rata premium, to increase this cover on your current policy (keeping the same expiry date). Once you have applied and purchased this increase, you will receive updated policy documents via email, to your registered email address.

    Can I train other dental nurses at other practices in PPE and how to fit face masks?

    The policy covers you to train other dental nurses on PPE and fitting face masks, in your own practice, if you are trained and competent. However, training dental nurses outside of your own practice is not covered under this policy as this falls out of the scope of ‘Medical Malpractice Insurance’ and in to the scope of ‘Professional Indemnity Insurance’ which is not covered by this policy. If you have any queries in regards to this, please discuss further with your employer.

  • Premium Payment

    What is premium funding?

    We have now added the payment option ‘Premium Funding’ which allows you to spread the cost of your policy across a 10-month period. Our monthly premium option is available via premium finance through Orchard Funding Limited, at an interest rate of 23.23% (APR). Furthermore, a soft credit check will be carried out during the application process.

    How can I pay for my insurances?

    Payment for your insurances can be made by credit card, BACS (bank) transfer and Premium Funding (spreading the cost of the policy across 10 monthly payments). If you choose to pay by credit card or Premium Funding your documents will be available immediately for printing. If you choose to pay by BACS, your documents will be released on receipt of cleared funds.

    I am reluctant to provide my credit card details over the Internet. Can I pay any other way?

    Yes. We accept payment by BACS if you are uneasy providing your credit card details over the Internet. The drawback to using these methods is that you will not be able to print your certificates immediately. We will release your certificates once your cheque has been received by us, or your money has been received into our bank account.

    Is your website secure?

    Our website uses high grade encryption (RC4 128bit). Encryption makes it very difficult for unauthorised people to view information travelling between computers. It is therefore very unlikely that anyone could read information as it travelled across the network.

    How do I cancel my policy?

    If you would like to cancel your policy, please get in touch with us directly, and we can organise cancelling your policy. You would receive any remaining funds 30 days after cancelling your policy.

  • Renewals

    Do you send out reminders to renew?

    We will send out your initial renewal reminder 30 days prior to expiry of your existing policy(s). If we don't hear back from you we send out another reminder 14 days and 7 days prior to expiry. We also send a letter to you if we receive no response after the 14 day email.

    How do I renew my policy?

    Renewing your policy is easy. We will send you an email 30 days prior to the expiry of your existing policy, asking if cover is to be renewed and providing you with a renewal link that will take you into your account. Simply check the details are correct, or make any necessary changes and hit the quote button. This will give you your renewal premium and if all is okay, proceed as normal in completing and paying for the cover.

    I have renewed my policy, so why do you keep sending me reminders?

    Our renewal system works from the link included within the renewal email. Therefore, if you don't use that link to renew your policy, but simply log into our website and 'buy' cover again, our system won't pick it up and continue to send the renewal email to ensure cover is maintained.

    Why do I need to provide an email address?

    Our philosophy is to make the purchasing and renewal of your insurances as quick and easy as possible. Therefore, streamlining the process to a complete on-line facility is optimum. For this to work we need to know your email address most used, as this is how we will contact you during the policy period and to advise you of renewal.

    There is no link to renew my policy in my ‘My Trafalgar Portal’?

    If you would like to renew your policy, you will need to follow the renewal instructions in your renewal email. If you are a BADN member, you will need to renew your BADN membership before renewing your insurance policy (if you would like to receive the BADN member discount).

    I have retired from dental nursing, do I need to renew my policy?

    If your policy is due for renewal and you have since retired from dental nursing, you are eligible for a policy called ‘Retired and Run-Off Cover’. The medical malpractice insurer offers this policy to retired clients, free of charge, which covers you against historical claims, for a period of 6 years. If you would like to add this cover to your policy, please get in touch with us directly to organise for you.

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