Psychologists’ Insurance

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.

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.

You should notify us immediately when you become aware of any circumstances that may give rise to a claim even if you do not think you will have to make a claim. We are here to help and quick action could mitigate costs, or even prevent a claim. Equally, if you have a routine query, for which you would like our opinion, we are always happy to help. Just call our dedicated claims team on 0330 123 5921 or email careclaims@towergate.co.uk.

A claims made policy responds to claims that are submitted during your period of insurance. Your cover is issued with a retroactive date, which means that the policy will exclude any claims for incidents occurring before this date. In most instances the retroactive date will be the date that cover is first taken out with us, however if you transfer your insurance to us and have previously been covered by a claims-made policy, we can normally confirm a retroactive date back to when you first took out this type of cover.

The policy will provide protection for claims that are made against you (or circumstances you become aware of that are likely to result in a claim) arising from treatments or services given after the retroactive date and throughout the period of insurance.

In the event that you cease trading or take a career break, our insurance policy automatically provides cover for any claims made during the 36 months immediately following the expiry date of your policy.

This is subject to claims arising out of any act, error or omission occurring or committed prior to the expiry of the last Period of Insurance to which this policy applies and that indemnity is not provided by any other insurance.

If you prefer to spread the cost of your annual premium, we offer a quick and easy direct debit scheme. When you choose to pay premiums in instalments, you will be paying under a Premium Finance plan.

We will give you full details of the finance provider, and the additional cost of finance, when we provide you with your payment plan quotation. This will include the total payable, the number of monthly instalments and the cost of each, as well as the representative APR.

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page