From 15th June 2016 General Dental Council UK issued guidance that "You must have appropriate arrangements in place for patients to seek compensation if they suffer harm". Its also a requirement for registration that you either hold membership of a professional defence organisation or hold a indemnity insurance policy in place. Due to the continued increase in membership costs of defence organisations and discretionary nature of cover many dental professionals have switched to professional indemnity insurance in which cover is guaranteed and more cost effective as its based on your individual claim history. Indemnity insurance cover can also be arranged for dental professionals who has been declined membership from defence organisations in the past.
Always assess your working circumstances before deciding on the type of policy you are choosing like maternity leave, runoff cover after retirement, professional gap cover for further studies or health issues. Speak to your indemnity provider if you need help in deciding the type of insurance cover required based on your individual requirements before buying the policy.