Psychologists’ Insurance

Insurance solutions for psychologists

About Psychologists’ Insurance

Group

Quality service

Specialist cover in five minutes from as little as £36 per year, with no hidden fees or charges* (T&Cs apply)

Care

Various levels of cover

Tailor your cover with limits between £1 million and £5 million

Certificate

Member discount

Discounts for members of The British Psychological Society (BPS) and UK Council for Psychotherapy

Liability

Civil Liability Cover

Our policies provide Civil Liability cover as standard

Features of Psychologists’ Insurance

Standard cover

Professional indemnity cover

Professional indemnity insurance for psychologists provides protection against allegations of negligence, malpractice and breach of professional code of practice. This covers legal defence costs as well as damages or costs that may be awarded to your client.

24-hour legal advice

Our policies include access to a 24-hour helpline service to provide you with specialist legal advice, should you need to get in contact in relation to a claim.

Work around the world

As long as you are a UK-based company, our policy will cover you to work anywhere in the world, including from: a client's property, a rented practice room, or even electronically - including via Skype.

Extensive liability cover

Professional indemnity forms a vital part of our liability package, which also includes public liability, product liability, and libel and slander cover. With our package, you can be confident that your business is covered against a multitude of legal-related risks.

Psychologists’ Insurance FAQs

Question

Does it matter how many clients I see within a period of time?

Answer

No, we do not need to know how many clients you will be seeing throughout the policy year.

Question

Can I work from home?

Answer

We can provide cover for you to work from home within the policy. However, please make your home insurer aware that you work from home and check that your home insurance policy will cover you for any damages occurring from any work undertaken at home.

Question

Do you need to see my qualifications?

Answer

We do not need to see a copy of these. We will insure you on utmost good faith that you have experience and qualifications in the area that you would like to be insured for. If a claim was made against you, this may be when we would need to see evidence of this.

Question

I do more than one therapeutic activity, can I get cover for this too?

Answer

The short answer is yes. We have an extensive list of over 100 activities that we can cover as standard under our professional liability policy. Just let us know all the activities that you undertake and we will let you know if there are any that we cannot cover, or need to be referred.

Question

Is there an age limit on who I can work with?

Answer

No, we do not specify an age limit for your clients.

Question

Can I work overseas?

Answer

Yes we can provide cover for you to work outside of the UK as long as you live and are based in the UK and do not have any assets in the country you would like to work in, for example a house. As it is a UK policy if a claim was made for the work you have done in another country we would then need to bring the claim back to the UK to go through UK courts. If you had a house in that country for example, they would then try to take monies from your assets to protect the claim.

Question

Can I pay for my psychologists’ insurance policy in instalments?

Answer

If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on 0330 123 5921 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim

£36 price terms and conditions

* £36 a year price based on a psychologists’ insurance policy taking on an indemnity with a limit of £1 million. Price correct as of April 2018.