What does covers/dental insurance typically cover?

A standard covers/dental insurance policy arranged through Premier Insurance includes public liability (usually £1m–£10m), employers' liability (£10m minimum if you employ staff), tools and equipment, business contents, stock, and optional cover such as professional indemnity, cyber liability, business interruption and product liability. Cover is tailored to how your covers/dental operation actually works rather than a one-size-fits-all package.

How much does covers/dental insurance cost in the UK?

Covers/Dental insurance premiums in the UK typically start from around £15–£45 per month for sole traders and rise based on turnover, number of employees, claims history, location and level of cover. Premier Insurance compares quotes from 200+ UK and Lloyd's of London insurers — including AXA, Aviva, Allianz, Hiscox, Zurich, RSA and QBE — so you only pay for the cover you genuinely need.

Do I legally need covers/dental insurance?

If you employ any staff in the UK — even part-time or casual — Employers' Liability Insurance is a legal requirement under the Employers' Liability (Compulsory Insurance) Act 1969 with a £10m minimum limit. Public liability is not legally required but is contractually demanded by almost every commercial client, landlord, local authority and main contractor.

How quickly can Premier Insurance arrange covers/dental cover?

For most standard covers/dental risks we can provide quotes within the same working day and issue cover the same day once you accept the quote. Speak to a UK broker on 020 4525 0884 (Mon–Fri 9am–5:30pm), WhatsApp 07515 703307 or email contact@premierpmi.co.uk.

Is dental insurance worth it in the UK?

Given the collapse of NHS dental access (90% of practices not accepting new adults in 2024), dental insurance has become one of the most cost-effective health add-ons. A £15/mo dental module typically covers your routine care plus a proportion of major treatment.

What does PMI dental cover?

Typical PMI dental modules cover: routine check-ups and hygiene (£100–£250/yr), restorative treatment — fillings, crowns, bridges (£300–£1,500/yr), dental accidents and emergencies. Orthodontics is on premium tiers only.

PMI dental module vs Denplan — which is better?

PMI dental module is cheaper (£8–£30/mo) with harder benefit caps, best for routine-focused patients. Denplan (£28–£45/mo) has fuller cover with no restorative caps, best for patients with dental history or expecting major work.

Which UK insurer is best for dental?

For PMI dental modules: Aviva Dental Care, Bupa Dental Cover and WPA Dental are the three strongest. For standalone dental: Denplan Care and Bupa Dental Insurance lead the market.

Does dental insurance cover Invisalign or braces?

Some do. Bupa Dental Insurance premium tier covers adult orthodontics up to £3,000. Aviva Dental Complete covers child orthodontics up to £1,500. Denplan Care can be extended with orthodontic add-on. Always check the specific tier.

Can I claim dental treatment on my main PMI?

Only if you have added a dental module. Main PMI policies do not include dental unless the module is specifically added. Bupa By You, Aviva Healthier Solutions and AXA Personal Health all offer dental as an optional add-on.

How long is the waiting period for dental cover?

Routine care is usually claimable immediately. Restorative and major treatment typically have a 6-month waiting period. Orthodontics may have a 12-month waiting period. Emergency dental treatment (accident) is usually claimable immediately.

Do I have to use a specific dentist?

Denplan Care requires a Denplan-member dentist. Bupa Dental Insurance and WPA Dental let you use any private dentist. PMI dental modules typically let you claim from any dentist and reimburse up to the annual cap.

Compare UK dental insurance from Bupa, Denplan, Vitality, WPA and AXA. Routine, restorative and orthodontic cover explained. Call 020 4525 0884.

Dental Insurance UK

UK dental insurance splits into two markets: PMI dental modules (added to a main health policy) and standalone dental plans (Denplan, Bupa Dental, WPA Dental). PMI modules typically cover routine (£100–£250/yr), restorative (£300–£750/yr) and orthodontic (varies). Standalone plans have wider benefit but higher cost. PremierPMI benchmarks both routes.

NHS dentistry access has collapsed since 2020. In 2024, 90% of NHS dental practices in England were not accepting new adult patients (Nuffield Trust). Private dentistry has stepped into the gap, and dental insurance has become one of the fastest-growing UK insurance categories.
Two products exist. **PMI dental modules** attach to a main health policy: Aviva Dental Care, Bupa Dental Cover, WPA Dental Cash Plan, Vitality Dental Optimiser. Typical benefits: £100–£250/yr routine, £300–£750/yr restorative, £500–£1,500/yr orthodontic. Cheaper (£8–£30/mo) but with harder benefit caps. **Standalone dental plans** (Denplan by Simplyhealth, Bupa Dental Insurance, WPA Health1st Dental): fuller cover, higher cost (£15–£45/mo), often no routine caps.
The right product depends on your dental history. Someone with a great mouth and routine six-monthly check-ups is best served by a low-cost PMI dental module. Someone with crowns, bridges or a history of restorative work will get more value from a Denplan or Bupa standalone plan. Orthodontics for teenagers is a specific market — check the orthodontic cap and eligibility carefully.

PremierPMI is a UK private medical insurance broker specialising in whole-of-market placement across 10+ leading UK health insurers including Bupa, AXA Health, Aviva, Vitality, WPA, Freedom Health, The Exeter, General & Medical and National Friendly. FCA regulated (Tesha Family Ltd, FRN 1029667). Speak to a broker on 020 4525 0884, WhatsApp 07515 703307, or email contact@premierpmi.co.uk.

Speak to a UK PMI broker

PremierPMI's brokers are available Monday to Friday 9am to 5:30pm. Call 020 4525 0884, message us on WhatsApp 07515 703307, or email contact@premierpmi.co.uk. You can also request a callback or meet our team.