Spreading the cost of payments for locum insurance.

We are now offering clients the ability to spread the costs of their insurance payments and locum insurance with Premium Credit Limited (http://www.premium-credit.co.uk).

For25 years Premium Credit Limited has helped businesses and individuals pay for their insurance by spreading the costs over regular instalments, instead of paying the whole premium upfront.

Premium Credit Limited doesn’t just help businesses and individuals spread the cost of their insurance premiums, they also provide the finance to pay annual fees such as professional fees, membership subscriptions, commercial service charges and school fees. Premium Credit Limited has 2 million customers and has achieved advances of £3.7 billion in 2013, processing 25 million Direct Debits.

We are delighted therefore to work with the No.1 Insurance Premium Finance Company in the UK and Ireland.

Chris Dixon BSc (Hons) Dip PFS

Director Approachable Finance (Medical)

Why I love locum insurance.

Working in financial services you are aware that sometimes that we haven't had the best of press with certain financial products! Endowments, with profits, PPI etc. It is therefore a real pleasure to be advising on a product, locum insurance, where it meets the needs of your clients and the market place. It is also a real sense of achievement to help medical practices save money on unecessary insurance costs; money that can be reinvested into patient care and essential staffing needs.

Having advised on locum insurance for nearly 8 years I have seen massive changes within this niche industry. Changes I am glad to say have been for the better. 6 year ago I was working for a company who effectively held the monopoly for this type of cover across the UK. In my opinion the policy was insufficient in the level of cover it gave and its premiums were inflated and unfair. Fortunately pretty soon another large company soon started offering this policy at a much more competitive price and 8 years on there are probably 7 or 8 companies like ourselves offering this to the market place.

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What to Look for When Taking Out Locum Insurance

locum insurance

As a medical professional, you are very aware of the plethora of the related expenses and intricacies of enlisting the services of a Locum Doctor to cover key absences in your Practice. Whether such absences involve GPs or Practice Managers, they can often be unexpected and unplanned for due to accidents, bereavements, or illnesses. Otherwise, anticipated absences such as adoptions, Jury Service and maternity and paternity leave allow you the time and resources to secure suitable absence cover, yet still entail hefty price tags.

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House buying: Estate Agents' Tips

I read a recent article on the BBC website with great interest, particularly as one of the experts interviewed for his tips on house buying strongly recommended going to a independent financial advisor who can research the full range of financial products available.

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About Approachable Finance


We are specialists in providing independent financial and insurance advice for Medical Professionals and Practices across the UK.


We are able to work around your busy schedule, whether over the phone, via e mail or through face-to-face consultations.

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