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.