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Our Policy

The VDS insures your practice against civil claims alleging negligence.

We also provide support and representation for vets and nurses throughout RCVS/VCI investigations, with criminal and disciplinary cover included in the policy for every member.

A VDS policy provides you with:                                                                                                                                                                         

  • Professional indemnity insurance, exclusive to the veterinary profession
  • A team with unparalleled experience of RCVS/VCI disciplinary proceedings
  • Highly experienced claims consultants, each of whom is a qualified veterinary surgeon, to handle your claim
  • Cover for support staff working under the supervision of a veterinary surgeon member
  • A choice of indemnity limits for professional negligence
  • Indemnity limits that are applied to each separate incident during a period of insurance (up to the stated aggregate claim limit for that year)
  • No premium increase as a result of a successful claim.

It can cost in excess of £100,000 (€125,000) to represent individual VDS members at RCVS/VCI Disciplinary Hearings.


A VDS policy means:

  • A minimum £250,000 (€300,000) small animal cover for all insured members
  • Built-in £150,000 (€180,000) cover for legal representation for criminal proceedings resulting from normal veterinary work
  • Built-in £10,000,000 (€12,000,000) cover for personal injury or damage to property resulting from veterinary negligence
  • No premium increase as a result of a successful claim.
  • A range of Professional Indemnity (PI) limits for each risk group (it is very important that you choose an adequate indemnity limit for each of these. This allows us to defend you and your reputation, and to settle claims when appropriate).


Policy Documents

Veterinary Surgeon
Download the Policy Document (PDF)
Download the Policy Guidance Notes (PDF)

Registered Veterinary Nurse 
Download the Policy Document (PDF)
Download the Policy Guidance Notes (PDF)