Membership information 800 908 433
Medicolegal advice 800 908 433


We know that many of you have questions about this type of protection, so we have compiled a series of FAQs that we hope will help to explain how claims-made protection works.
If your question is not answered below, please contact our membership team at

You can either scroll through the FAQs below or use this navigation to jump to the relevant section:


Introduction to claims-made

  • What is the difference between occurrence-based and claims-made protection?

  • Will I continue to receive the same level of protection with claims-made membership?

  • Why is claims-made priced differently to occurrence-based membership?

  • What external factors affect the calculation of membership subscriptions for claims-made protection?


Adverse incident reporting

  • What is an adverse incident and how do I report it?

  • Why is it important that I report adverse incidents?


Extended Reporting Benefits (ERBs)

  • What are Extended Reporting Benefits (ERBs)?

  • Why should I apply for ERBs?

  • How can I apply for ERBs?

  • When should I apply for ERBs?

  • Do I need protection when I stop practising?

  • Can I purchase ERBs to cover my whole retirement?

  • Can I purchase ERBs if I move to another indemnity provider?

  • What will the cost of ERBs be?



  • How does this change affect me?

  • Why are you offering claims-made?

  • Is there a financial limit on discretionary indemnity?

  • Can I change to claims-made before I am due to renew?


Obstetricians and gynaecologists

  • What happens if I stop practising as an obstetrician and move to another area of practice? Do I have to continue to pay to protect the time when I was practising obstetrics with claims-made protection?

  • Should I report every delivery to be on the safe side?

  • Is there a limit on my protection?