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What exactly is dental insurance?
Dental insurance covers you against the cost of all dental treatment – depending on the level of cover you choose to take out.
Who do I ask for advice on where to buy my dental insurance?
When you are looking for dental insurance it is well worth doing thorough research – not only to get the cheapest deal but also to make sure that you get the right policy for your needs.
How do I make a claim?
Making a claim is easy. When you receive your insurance documents, you will receive a full client information pack that will include your Insurance Certificate, Claims Forms and Help line Card, with a range of contact numbers.
Is there a maximum payout per year?
All dental insurance policies set a maximum payout per year on their policies. Every insurance company varies and you will need to look at your individual policy in detail to find this out.
What will affect my premium in future?
Premiums will always rise in line with general inflation – however there are a number of other factors that will affect the cost of your dental insurance:

Does it make any difference if I buy my dental insurance through a broker?

Using a broker could save you money when it comes to dental insurance - because they will be able to get a quote from all the dental insurance providers in the UK.

In fact, according to The Association of British Insurers (ABI) - in 75% of cases a broker will be able to secure a cheaper deal than buying direct from the insurance company.

On this website we work with the Private Health Partnership - leading brokers who have strong relationships with every single dental and medical insurance provider in the UK. When you request a quote you will receive in the post a quotation from each insurer who meets your requirements. The Private Health Partnership will recommend two of these policies, however at the end of the day it is up to you which policy you want.

Brokers do not charge you for finding them the best insurance deal, they receive commission from the insurance companies. It's a good idea to ask how much commission they make on each sale - they are legally obliged to pass on this information though they will not volunteer it.

Another advantage to a good registered broker is that if you have a complaint that you cannot resolve yourself, they will represent you.

Frequently Asked Questions related to the above topic.
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