Your finances and protection

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Personal and commercial insurance

Protect yourself from the unexpected

Life is full of surprises both welcome and unwelcome and although you can't predict the future, you can protect yourself from the unexpected by putting robust insurance measures in place.

With 20 years of experience helping healthcare professionals, our partners Lloyd & Whyte understand your needs and time restraints. They offer both personal and commercial insurance packages to support you throughout your personal and working life as a doctor.

What's in it for BMA members?

  • specialist services for doctors including elective travel insurance for junior doctors
  • complimentary insurance reviews for GP practices
  • bespoke GP practice insurance packages

Contact Lloyd & Whyte

To find out more about what Lloyd & Whyte can do for you visit the Lloyd & Whyte website or get in touch via email at [email protected] or call on 01823 250580.

Insurance services arranged by Lloyd & Whyte Ltd, who are authorised and regulated by the Financial Conduct Authority. The British Medical Association is an Introducer Appointed Representative of Lloyd & Whyte Ltd.

 

What can Lloyd & Whyte do for me?

  • Home insurance

    Lloyd & Whyte's home insurance is designed to offer BMA members three things: quality cover, great claims service and in most cases, lower premiums.

    By using their services to protect your home you can expect:

    • high levels of cover for added reassurance
    • full accidental damage and contents covered on a worldwide basis
  • Student and graduate contents and liability insurance

    Life as a medical student or graduate is stressful enough without having to think about whether your possessions are protected.

    To help take away this worry, Lloyd & Whyte has put together contents cover that's designed just for BMA students and graduates living in a shared house or halls of residence.

    Their insurance is easy to arrange and will ensure you have:

    • protection for yourself, your phone, laptop and other basic everyday essentials
    • low £50 excess
    • personal liability and tenants liability cover
  • Travel insurance

    By using Lloyd & Whyte's online tool, you can choose to increase or decrease elements of your policy quickly and easily.

    The policy is provided by well-known and award winning insurer, AXA Insurance plc.

    Cover includes:

    • annual or Single trip policy
    • emergency medical expenses: choose from £5m up to £15m per person
    • personal belongings: choose from £750 up to £3,000 per person
    • cancellation or curtailment: choose from £1,500 up to £7,500 per person
    • missed or delayed departure
    • optional cover available for sports, activities and cruises
  • Medical elective travel insurance

    Lloyd & Whyte can make sure you’re protected during your medical elective. They will arrange cover to fit the location and activities throughout this element of your studies.

    To find out more about their elective travel Insurance please contact their specialist team on 01823 250580.

    Please note:

    Elective travel insurance is only available by speaking to a member of the Lloyd & Whyte team. It is not covered by and cannot be added on to any policy bought online.

  • GP surgery insurance

    Finding the time to ensure that your practice has the right insurance policy with the limited time you have can be a challenge.

    Lloyd & Whyte understand this, which is why they take the time to get to know your practice. They also offer complimentary insurance reviews at your practice, so you can organise your policies, ask any questions and receive helpful advice all in one go.

  • GP locum insurance for GP practices

    While it’s worrying to think about the impact absent staff could have on your practice, it’s reassuring to know that Lloyd & Whyte’s locum insurance for doctors can provide financial support if you or any other insured team member is unable to work.

  • GP networks and mergers insurance

    GP networks/federations and partnership mergers can unknowingly have gaps in their protection.

    In order to help members in these structures, Lloyd & Whyte has worked closely with us to understand the key insurance considerations that will affect you.

  • Complimentary Insurance reviews for GP practices

    A dedicated insurance expert will review what current policies you have, what they cover and identify any gaps.

    Doing this in one go, in one place can help save time and ensure you have the right protection. It’s also your opportunity to ask any questions.