Sir, I recently had cause to make a claim through my broker to the company with whom I had a practice insurance policy for interruption of electrical supply and loss of earnings for that day. The sum claimed was £945. After lots of to-ing and fro-ing the insurance company only offered me £50 per chair per practice as compensation, ie £50 × 2 = £100.

It seems ludicrous that you spend £820 for comprehensive practice insurance and when you need the full claim to be honoured you are offered a derisively insulting sum of £100.

Why? Because they say you can re-book patients and recoup the earnings! When? In extra time? What is the point of having a policy that doesn't do what it says, ie compensate you for lost earnings and time? Has anybody had a similar experience or have I been mis-sold an office package?

Can anyone recommend a reliable insurance company/package that is designed for a dental surgery to compensate for the loss of earnings and time? I am intending to present this scenario to the ombudsman to see if any mis-selling has taken place.