Locum Insurance

Tell us how many patients you care for.... and we’ll include everyone in your practice.*

We provide a financial benefit to pay the practice overheads for other staff and to cover or hire a locum, leaving you to focus on delivering care to your patients. And there’s no need for detailed medical history, lengthy quotations or mid-tem adjustments due to staff changes.

Win a £200 Red Letter Day Voucher

An adrenaline filled adventure or a relaxing pamper. The choice is yours! We're giving you five chances to win a £200 Red Letter Day voucher just for getting a quote †

All cover subject to insuers underwriting criterial. Full terms and conditions available upon request.  †Entry into the draw is subject to the surgery obtaining a full quotation for a locum policy from Towergate Insurance. No purchase is necessary. Only one entry into the draw is allowed. Closing date for entry into the draw is 1st December 2016, after this date no further entries to the competition will be permitted. The winners will be the first five names drawn at random each winning a £200 voucher. The winners will be chosen at random by a draw which will take place on 9th December 2016 with the winners being notified by telephone as soon as possible after the draw is made. Employees of Towergate Underwriting Group Limited and/or any of its holding or subsidiary companies or their family members shall not be permitted to enter the prize draw.

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0330 123 5264 Weekdays 8.30am - 5.30pm
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Locum insurance features

As well as flexible options for excess periods and weekly benefit amounts, our NEW Locum product can cover the following:

  • All partners and employees

  • A benefit level of up to £3,000 per week

  • Capital death benefits up to £100,000

  • Reimbursement of ‘waiting period’ following an accident

  • Cover assurance – we will renew your policy regardless of your claim history

 The policy provides protection if an insured member is unable to work due to:

  • Accident or illness anywhere in the world

  • Winter sports

  • Jury service, family illness, adoption or paternity leave

  • Pregnancy related illness

  • Maternity benefit – receive a one-off  £5,000 for your GP’s and £2,500 for other employees once your staff member returns to work within 12 months following maternity leave

  • Stress  and/or depression cover

  • Suspension by the GMC, Trust or regulatory body

* Subject to underwriting acceptance. All cover is subject to insurers full terms and conditions which are available on request.

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.

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.


Locum insurance exclusions

  • Practices outside the UK are not covered by this policy

  • Any sickness claim within three weeks of the start of the policy

  • Accident benefit for any claim for any period of total disablement in excess of the maximum benefit period

  • Family emergency cover for any period of absence that could have been reasonably foreseen prior to inception

  • Personal possessions cover for items valued less than £50

  • Any claim arising directly or indirectly from:

    • War and kindred risks
    • Hazardous pursuits
    • Suicide or intentional self-injury
    • Medical conditions that you were aware of, whether diagnosed or not, prior to the policy inception which led to more than 10 consecutive days absence within the last 3 years
    • Radioactive contamination

These are just some of the key exclusions/limitations, full details will be found in policy wordings.


Locum insurance FAQs

My staff member is healthy now, but what happens if they get sick in the future?

Your cover will not be reduced, restricted or removed as a result of making a claim or deterioration in health of any insured member.

What if a staff member is injured outside of work?

Our policy provides 24/7 cover worldwide covering a wide range of activities. If your staff's hobbies and activities are more adventurous than tennis or football, just let us know as we can cover most activities from scuba diving to aviation.

Will making a claim affect my cover?

Our insurance policy provides 'cover assurance' which means we guarantee you a renewal regardless of your claim history or situation.

Does the policy provide cover for re-occurring conditions?

If a member of staff returns to work within 26 weeks of an absence and the same condition re-occurs, the same claim can continue with a nil week excess period.

Does the policy cover partial return to work?

Yes, we are very happy to support a partial return to work. For example, if a GP undergoes surgery and could only return for two sessions per week, instead of 6 sessions, the policy allows you to claim for the 4 sessions that need to be covered.

What is a waiting period?

Also known as an excess period, this is the period of time after which you will start receiving money from your insurance policy. For example, a 30 day excess period means you have chosen for your staff to be absent for 30 days before you are eligible. Zero excess/nil waiting period means you will receive payment from the day absence began.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.


Locum insurance claims promise

We understand the obligation to your patients and how costly a locum can be when faced with an unexpected staff absence. Our policy leaves you to make the decisions regarding how best to serve your community and our personable approach offers expert advice at every step from quoting - to claiming - to reviewing and renewing.

Your locum insurance claim

We have delegated authority which means we can handle your claims direct from our office on behalf of the insurers. Keeping the claims process close to home means our in-house team can respond quickly and pay out even quicker.

With a sudden illness amongst your staff, finding cover becomes a matter of urgency. We endeavour to respond to all initiated claims with 24 hours, giving you peace of mind and assuring the continuation of your practice.


Locum insurance policy documents

Why Choose Us [pdf, 300 KB] Claims Sheet [pdf, 414 KB]
0330 123 5264
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