v1.0.0
ACTIVEInitial Launch Rates
Effective from 2024-01-01
Initial rating rules for Dental Indemnity Direct launch
Minimum Malpractice Premium
£800
IPT Rate
12%
Activity Start Rates (% of turnover)
Cosmetic
0.60%
Exodontia
0.60%
Hygienist
0.60%
Endodontics
0.60%
Periodontal
0.60%
Implantology
1.20%
Orthodontics
0.60%
Botox Fillers
0.80%
Routine General
0.60%
Limit of Indemnity Multipliers
£1Mx1
£2Mx1.2
£5Mx1.4
£10Mx1.6
Excess Multipliers (baseline £250)
£0x1.1
£250x1
£500x0.95
£1,000x0.9
Extended Reporting Period Multipliers
5 Yearsx1
10 Yearsx1.225
GDC Pricing Bands (flat, always included)
Turnover up to £50,000£225
Above threshold£295
Practice Owner Contingent Cover Rates (per staff)
Dentist
£250
Hygienist
£165
Therapist
£600
Dental Nurse
£60
Botox Fillers Practitioner
£500
Referral Thresholds
Turnover Over
£250,000
Implants Over
20%
Ortho Over
20%
Botox/Fillers Over
35%
🚫Decline Triggers (Not Covered)
Applicants who perform these procedures will be automatically declined.
- ✓General Anaesthetics - Decline
- ✓Maxillofacial Surgery - Decline
- ✓Extra-Oral Bone Grafts - Decline
⚠️Referral Triggers (Refer to Hiscox)
Applicants who perform these procedures will be referred for underwriter review.
- ✓Any Prior Claims - Refer to Hiscox
- ✓Sinus Lift - Refer to Hiscox
- ✓Advanced Beauty Treatments - Refer to Hiscox
- ✓Intra-Oral Bone Grafts - Refer to Hiscox
- ✓Zygomatic Implants - Refer to Hiscox
Audit Information
Version ID
cmolaol860000j91oznwgcxf6
Checksum (SHA-256)
sha256-initial-launch-v1...
Created
2026-04-30
Approved
2024-01-01