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Locum Insurance for GPs

Locum Insurance provides cover when accident, sickness or absence affects your business.

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With so much pressure on staff, any absence can have a major effect. A clinician, partner or senior member of staff away for a few days or a week or two may be covered internally. However, if they were absent for several months, how would the business cover their sessions?

Any staff absence within your practice can have a major effect.
Our staff absence calculator below will help you to understand the potential financial impact on your business if a key member of staff is absent for a sustained period.

Simply insert the figures relevant to your own situation in our calculator below to find out what locum cover is costing you:

Locum Calculator


Locum Insurance

Aimed at GP practices, Locum Insurance is designed to quickly and easily cover the cost of hiring a Locum to fill GP absences. Our innovative ‘Top Up’ policy blends the benefits of the NHS Sickness Reimbursement and Locum Insurance. Practices can maximise the reimbursement payments for GP sickness and accident absence but rely on Locum Insurance to cover costs over and above the NHS reimbursement. 


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Our expert advisers will help you choose the most suitable policy.

Whether you are a single-handed practitioner or work in a large, multi-partner practice, we have a policy to suit.

We offer a flexible deferred period (also known as an excess period), which is the time before any benefit is paid. The longer the period, the lower the premium.

Key Features

    Key Features Include

  • NHS ‘Top Up’ Plan available especially designed to work alongside the BMA contract changes
  • £100k personal accident cover (depending on policy)
  • Group discount for three or more members on the policy
  • Cover for a variety of absences including; accident, sickness, mental illness, jury service and suspension while under investigation,
  • Benefit-driven (receipts not always necessary to claim)
  • Maternity, Paternity/adoption cover (with no excess period)
  • Compassionate leave cover (with no excess period)
  • Family Emergency cover
  • Travel to work provided (chauffeur/taxi costs) if you are unable to travel independently (depending on policy)
  • Choice of deferred/excess period
  • Cover for staff under the age of 70


Renewal time comes around so quickly but it was a simple and easy process. Given lots of time to review the renewal policy and ask any questions, which were answered very promptly. The price is very competitive too! Great service from a very good company!
- Lilian Borrows, Practice Manager, Sullivan Way Surgery