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  3. Finances, pensions and indemnity

In this section you will find expert advice and support on financial management, tax, pensions, insurance and professional indemnity.

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Related events & courses

Event

Business essentials - May and June 2026

Delivered over two days, Friday 8 May and Friday 26 June, this interactive workshop explores proven commercial techniques that can be applied to a dental business to achieve better financial results and drive profitability.

Event

Online: Understanding and planning your pension (1)

It’s never too early to plan for your future. Join us online on Monday 28 September for an essential evening event that demystifies your pension options - looking at both NHS and private pensions. Expert speakers Phil Bowler and Phil McEvoy will guide you through the key decisions that can shape your financial wellbeing, helping you take control of your retirement planning with clarity and confidence.

Dental Practice Insurance Specialists

In proud partnership with the BDA for over 30 years. Get insurance cover tailored to your dental practice - not generic policies for offices or shops. Lloyd & Whyte use specialist insight to build protection that fits your needs. From risk management advice to support from their in-house claims team, they are on hand to support you, whether you’re starting a policy, updating it, or making a claim.
Find out more

Recently updated

Advice

Private practice

Financial Conduct Authority (FCA) regulation and insurance considerations for in-house dental plans

Guidance to help dental practices understand how FCA regulation applies to in-house dental plans, including when insurance triggers FCA oversight and how to remain compliant.

Advice

Business finances

Business budgeting for your dental practice

A practical guide to help you plan, set, and review an annual budget for your dental practice that supports financial stability, informed decision-making, and long-term resilience.

Advice

Personal finances

Investing tax efficiently

A practical overview of the increasingly complex world of investment taxation in the UK, highlighting frozen thresholds, evolving dividend tax rules, and measures announced in the Autumn Budget 2025. It outlines how investments are currently taxed and what changes lie ahead, helping you navigate an evolving landscape. Kindly provided by our trusted partners Chase de Vere.

Advice

Setting and collecting fees

Fee collection in your dental practice

Clear and consistent fee collection supports your practice’s financial stability and helps patients understand what to expect. This advice outlines practical steps to create reliable, patient-focused systems for collecting fees.

Advice

Setting and collecting fees

Communicating dental fees to your patients

Guidance for dental practices on how to communicate fees clearly, confidently, and in line with regulatory expectations, helping patients understand costs and make informed decisions.

Advice

Setting and collecting fees

Setting private and plan fees in your dental practice

Guidance for practice owners on how to set private and plan fees that cover your operating costs, reflect the value of your service, and support sustainable practice growth.

Advice

Business finances

Understanding the operating costs of your dental practice

A guide for practice owners on analysing operating costs in a structured way and using our model operating costs calculator to support informed financial decision-making.

Advice

Personal finances

Investing for children

A practical guide to investing for children, exploring the tax and legal considerations, potential risks, and suitable investment options to help support future goals. Kindly provided by our trusted partners Chase de Vere.

Advice

Business finances

Types of tax and implications for dentists

A basic overview of the different types of tax and how they impact associates and practice owners.

Advice

Business finances

Tax

A basic overview of your various possible tax obligations in the dental practice, including guidance around the government’s 2026 Making Tax Digital initiative.

Advice

Personal finances

Saving for retirement as a dentist

A guide on financial planning for your retirement - kindly provided by our trusted partners Chase de Vere

Advice

Personal finances

Taking an income at retirement

A guide to help you understand the key issues and decisions that will affect your income after retiring as a dentist - kindly provided by our trusted partners Chase de Vere.

Further reading

Blog

Tuesday 4 Nov 2025

Time to think about your next mortgage

If your mortgage deal is coming to an end, now is the time to review your options.

Blog

Thursday 31 Jul 2025

Mourning the loss of dentistry’s best friend

It is with great sadness we share news of the passing of Kevin Lewis, a much loved friend, colleague and champion of dentistry

Blog

Wednesday 2 Oct 2024

Dental nurse indemnity: What you need to know

It is illegal to practise without indemnity whether you are a dentist, a dental therapist, or a trained dental nurse. The indemnity required by the GDC for a dental nurse must cover claims from patients relating to clinical treatment, or advice provided by the dental nurse.

Blog

Wednesday 21 Aug 2024

Reflecting on five years of BDA Indemnity

Our team celebrates the milestone by reflecting on their experiences in designing comprehensive cover and support for dental professionals, and what makes it different.

Blog

Monday 22 Jul 2024

GDC Interim Order Committee publication changes: Can more be done?

Are the latest revisions announced by the GDC adequate to address the issues?

Blog

Friday 19 Jul 2024

Moving from NHS to private practice: Our life beyond the UDA event

A look ahead at our one-day event in September for dentists who want to run flourishing, profitable businesses.

Blog

Wednesday 10 Jan 2024

Annual Allowance and the NHS Pension Schemes for Tax Year 2022/23

Following our lobbying, we revisit and explain the changes made to the Annual Allowance calculations for the tax year 2022/23.

Blog

Tuesday 13 Jun 2023

The difference between occurrence-based and claims-made indemnity

Len D'Cruz: Choosing the wrong indemnity cover can potentially leave a practitioner seriously out of pocket.

Blog

Thursday 11 May 2023

Topping up NHS charges with private fees accepted in Appeal Court decision

NHS regulations were in the dock recently. Len D'Cruz and Kevin Lewis examine the decisions and outcomes.

Blog

Thursday 16 Mar 2023

Welcome news on NHS pension changes

Some much-needed lifting of restrictions and fixes to pension scheme problems are long overdue.

Blog

Wednesday 1 Mar 2023

Moving away from NHS commitment and the impact on pension savings

Your NHS pension can be affected by decreasing levels of NHS work, something often triggered by diversifying into private general practice.

Blog

Thursday 23 Feb 2023

The challenges facing dental students of today

Students today face several challenges, from managing finances and fees alongside cost of living to the dedication and hard work required to complete the course.

More blogs
Here when you need us

Choose BDA Indemnity

BDA Indemnity offers unparalleled protection and flexibility to our members. Our indemnity policy is occurrence-based, so when an incident occurs under the policy, you are covered forever. Plus, it's contractual - not discretionary like mutual defence organisations.
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BDA INDEMNITY

Perio claims can easily stretch through time - our indemnity policy has you covered

It could be years until you receive a complaint from a patient you’re treating now. BDA Indemnity is occurence-based, ensuring piece of mind.
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