Talking to GPs about locum insurance you come across all sorts of reasons why they don’t have cover, ranging from the cost to the ‘fact’ that ‘insurance doesn’t pay out’ to ‘I’m uninsurable’ to ‘we cover for each other’.
‘Insurance doesn’t pay out’ is probably the most emotive so let’s cover that one today.
Claims data isn’t widely published in the locum insurance world but we have nothing to hide! We have declined only two claims: one person didn’t disclose a shoulder injury which occurred 3 weeks before taking out insurance and, some months later, claimed for surgery on her shoulder. The other was someone who took out insurance knowing that he was undergoing emergency surgery the following day which, again, he failed to disclose.
