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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.
A VDS policy means:
        - A minimum £250,000 (€300,000) cover for civil claims resulting from veterinary negligence.
- Built-in £200,000 / €240,000 cover for representation for criminal proceedings resulting from normal veterinary work (cover for RVNs is £150,000 / €180,000).
- Built-in £10,000,000 (€12,000,000) cover for personal injury 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).
    If you would like to apply for the insurance cover we offer, and take advantage of all the benefits of VDS membership, you can request a proposal form from our Membership team by calling +44 (0)1565 652737 or emailing admin@thevds.co.uk
  
    2026 documents
📄 Terms of Business (Please read) ↓ (PDF)
Professional Indemnity Insurance
UK
  
        
            
            
                Insurance Product Information Document (IPID) 2026
                    Insurance Product Information Document (IPID) 2026
             
        
        
            
            
                Practice Professional Indemnity Policy 2026 UK
                    Practice Professional Indemnity Policy 2026 UK
             
        
        
            
            
                RVNs at a Practice Policy 2026 UK
                    RVNs at a Practice Policy 2026 UK
             
        
 
    Ireland
  
        
            
            
                Insurance Product Information Document (IPID) 2026
                    Insurance Product Information Document (IPID) 2026
             
        
        
            
            
                Practice Professional Indemnity Policy 2026 ROI
                    Practice Professional Indemnity Policy 2026 ROI
             
        
        
            
            
                RVNs at a Practice Policy 2026 ROI
                    RVNs at a Practice Policy 2026 ROI
             
        
 
    RVN Representation Costs Insurance
  
        
            
            
                Insurance Product Information Document (IPID) 2026 RVN
                    Insurance Product Information Document (IPID) 2026 RVN
             
        
        
            
            
                Individual RVN Policy 2026 UK
                    Individual RVN Policy 2026 UK
             
        
        
            
            
                Individual RVN Policy 2026 ROI
                    Individual RVN Policy 2026 ROI
             
        
 
    2025 documents
📄 Terms of Business for Policies effective from 1 January 2025 to 16 October 2025 ↓ (PDF)
📄 Terms of Business for Policies effective from 17 October 2025 ↓ (PDF)
Professional Indemnity Insurance
UK
  
        
            
            
                Insurance Product Information Document (IPID) 2025 UK
                    Insurance Product Information Document (IPID) 2025 UK
             
        
        
            
            
                Practice Professional Indemnity Policy 2025 UK
                    Practice Professional Indemnity Policy 2025 UK
             
        
        
            
            
                RVNs at a Practice Policy 2025 UK
                    RVNs at a Practice Policy 2025 UK
             
        
 
    Ireland
  
        
            
            
                Insurance Product Information Document (IPID) 2025 ROI
                    Insurance Product Information Document (IPID) 2025 ROI
             
        
        
            
            
                Practice Professional Indemnity Policy 2025 ROI
                    Practice Professional Indemnity Policy 2025 ROI
             
        
        
            
            
                RVNs at a Practice Policy 2025 ROI
                    RVNs at a Practice Policy 2025 ROI
             
        
 
    RVN Representation Costs Insurance
  
        
            
            
                Insurance Product Information Document (IPID) 2025 RVN
                    Insurance Product Information Document (IPID) 2025 RVN
             
        
        
            
            
                Individual RVN Policy 2025 UK
                    Individual RVN Policy 2025 UK
             
        
        
            
            
                Individual RVN Policy 2025 ROI
                    Individual RVN Policy 2025 ROI