Private Ambulance insurance FAQs

What information do I need to get Private Ambulance Insurance?

Your insurance broker can advise you what information is needed to get a quote, but generally it includes:

• vehicle details
• type of work
• employee details
• any claims history

How do I arrange Private Ambulance Insurance in the UK?

Our healthcare insurance experts understand the risks facing your industry and ask the right questions to determine the best insurance options for your needs. We can arrange Private Ambulance Insurance and Medical Malpractice Insurance cover either individually or together.

Can I get a no-claims discount on my Private Ambulance Insurance?

Yes. Private ambulances that have been claim-free for a minimum of three years qualify for a no-claims discount. It’s important to let us know how much no-claims discount you have when getting a quote and provide any necessary paperwork for your insurer.

How much does Private Ambulance Insurance cost?

Premiums are based on the risks faced by each private ambulance company, so they vary depending on the size of the business, your claims history and the type of work undertaken.

Do you offer a No Claims Discount on private ambulance insurance?

We offer no claims discounts to private ambulance businesses that have been claim free for a minimum of three years.

What does Private Ambulance Insurance cover?

Emergency Vehicle insurance covers a wide range of emergency vehicles including ambulances – from single vehicles to fleets. It provides blue and non-blue light cover including patient transfers to and from hospital and increased limits for vehicle contents.

What types of vehicles are covered by Private Ambulance Insurance in the UK?

We can cover:

• ambulances
• fire engines
• cars
• vans
• MPVs
• blood bikes
• minibuses and many more…

Why do I need Private Ambulance Insurance in the UK?

Having the right level of Private Ambulance Insurance in place ensures your people, vehicles, and businesses are protected against the high level of risk that frontline workers and paramedics are exposed to. There are many risks to consider, including injuries from lifting and transporting patients, moving heavy equipment and patient aggression or violence.

Do you cover air ambulances and mountain rescue?

Yes, we can arrange a separate airside policy. Airside work in airports is covered on a contingency basis only, so we recommend you seek your own airside liability cover for larger contracts. Talk to the team on 020 8225 1168 to learn more about Airside Insurance or email us at sales@kerrylondon.co.uk.

Do I need separate Private Ambulance Insurance specifically for NHS work?

It’s essential to check the insurance requirements of the NHS contract you’re tendering for in advance because their requirements can vary significantly by region. If you are still unsure whether your existing insurance is sufficient or would like us to calculate the additional insurance cost for your NHS tender document, please call our healthcare insurance experts for advice and a quote on 01923 479 206.

Can I get Private Ambulance Insurance for private events?

Yes. We cover private ambulances working at a wide range of events, large and small, including:

• music festivals
• TV and film productions
• sports events
• community events such as village fetes
• charity events
• local authority events
• corporate events
• educational events such as graduation balls and Fresher’s Week

Private Ambulance Insurance covers private ambulances working at public attending events. If you wish to transfer a patient to a hospital or provide treatment, you must be registered with the Care Quality Commission. For further information or a quote please contact our healthcare experts on 01923 479 206.

Can I get Private Ambulance Insurance if I have driving convictions?

Yes, you should be able to get Private Ambulance Insurance if you have driving convictions. Talk to us about your driving convictions upfront so we can check with your insurer and provide an accurate quote. In some circumstances, your insurer may apply special terms to your policy.

Are there any exclusions for Private Ambulance Insurance?

Patients with life-threatening emergencies aren’t covered by Private Ambulance Insurance because those patients generally use the NHS 999 emergency service. Other exclusions vary by individual circumstances, so it’s important to discuss these with us in advance or check your current policy document to make sure you have enough cover. NHS contracts can attract a higher risk, so arranging insurance that covers all the private ambulance services you offer can help minimise the cost when things go wrong. Talk to us for further advice regarding the best insurance protection for your company’s individual needs.

Do you offer cover for repatriation? 

Private ambulance insurance automatically provides Worldwide cover (excluding the USA) that includes international repatriation by either road ambulance or air ambulance.

Can I get cover for my employees?

If you employ more than one person in your business then you’re legally required to have Employers’ Liability Insurance. Our team can arrange other separate cover in addition to your private ambulance insurance, including employers’ and public liability to protect your staff and medical malpractice insurance.

Are my business premises covered under my private ambulance insurance policy?

No but you can arrange a separate policy with us, or it can be included with medical malpractice insurance or a general liability insurance package. The latter can be arranged to cover all of your business insurance needs.

Do you insure private ambulances registered in Northern Ireland?

Yes.

Do you insure private ambulances registered in the Channel Islands?

Yes.

How do I pay for my policy?

We offer a range of payment plans, including one payment of your annual insurance premium, or monthly payments via a finance provider. Medical malpractice policies can be paid via monthly, interest free direct debits with some insurers.

How do I get my documents?

We can send them via email or post, please let us know what you would prefer.

Can I manage my policy online?

Private Ambulance cover is complex and requires the knowledge of our experts, so cover is arranged via telephone, email or face to face.

What level of Private Ambulance Insurance is required by law?

Third-party insurance is the minimum legal requirement for private ambulance companies, but comprehensive insurance offers broader protection, including you and your vehicle and third-party drivers.

Kerry London’s Private Ambulance Insurance covers standard risks, such as accidents, fire and theft, but it also includes:

• blue light driving
• cover extends to EU countries
• approved repairer service and courtesy car facility
• Uninsured Loss Recovery Service
• free 24-hour accident recovery service if the vehicle is undriveable
• contingent airside liability of up to £500,000

We will work with you to fully assess all your risks and offer personal advice on Private Ambulance Insurance policy wordings that work for you.

Do I need to register my private ambulance with the Care Quality Commission UK?

You can check whether you need to register your ambulance service on the Care Quality Commission (CQC) website. The CQC generally advises that vehicles transporting patients to an NHS hospital must be registered. It is vitally important to check whether your company should be CQC registered to take on NHS work in advance, so that you can take on new contracts and secure the correct insurance protection you need.

How do I claim on my Private Ambulance Insurance?

Contact our experienced healthcare claims team to report your claim as soon as possible, on 01923 479 206 or you can find further information and email us via our claims page. Alternatively, you can use the claims contact details in your insurance policy documents. We manage claims on your behalf and work hard to get the best possible settlement from your private ambulance insurer.

How do I notify you of a claim?

You can contact us via email or telephone. Our claims details are provided when you take out an insurance policy with us.