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Indemnity Insurance FAQ

  • What is indemnity insurance?
It is insurance that means that if someone (such as a service user) is harmed in some way because of the negligence of a registrant, the service user will be able to recover any compensation they may be entitled to from the insurer, rather than from the registrant themselves.

All statutorily regulated healthcare workers in the United Kingdom (except social workers in England) are required to have ‘appropriate’ professional indemnity insurance cover in place as a condition of their regulatory regime.

All practitioners who are voluntary registered by a register accredited by the Professional Standards Authority (PSA) are also required to have appropriate professional indemnity insurance cover in place as a condition of their regulatory regime.

  • Does this mean that I should arrange professional indemnity insurance?

Not all registrants need to take out separate professional indemnity insurance. Such insurance can be put in place through one or more of the following:

  • A professional indemnity arrangement through an employer.
  • A professional indemnity arrangement as part of being a member of a professional body, trade union
  or defence organisation.
  • A professional indemnity arrangement obtained directly through an insurer.

RCCP anticipate that the majority of its registrants will already be covered by professional indemnity insurance through one of the above provisions and will not need to take any additional action.

  • What does ‘appropriate’ cover mean?

This means that the arrangement you have in place will need to provide cover appropriate to your practice, taking into account the nature and extent of its risks.
This level of cover will need to be sufficient to meet any liability that may be incurred if a successful claim is made against you. What is appropriate cover for you may depend upon a combination of factors, including, for example, the following:

  • The practice area or areas you work in.
  • The service users you work with.
  • The risks involved with your practice.

RCCP expects its registrants to make their own decisions about the level of cover which is appropriate to them, seeking advice as appropriate from their professional body, trade union, defence organisation and / or insurer.

  • I am employed. What does this mean for me?

If you only work for an employer, then your employer is very likely to have professional indemnity arrangements in place which will provide appropriate cover for all the relevant risks related to those activities that you perform as part of your job.

Arrangements may, however, vary between different employers, so if you are unsure, you should always check with your employer.

An employer’s arrangement will only provide cover for activities performed by an employee as part of their duties during the course of that employment.

  • I am self-employed. What does this mean for me?
If you are self-employed and you provide services to service users which for which you are paid directly by the service user then you must make sure that you have put in place your own arrangements for professional indemnity as a condition of your continuing registration with RCCP.  RCCP will require evidence of that insurance certificate as part of your annual renewal declaration.
  • I provide my services through a limited company. What does this mean for me?
If you own a company and you have 'significant control' over that company (for example, if you own more than 25% of the shares in the company) and you provide services to service users which for which the company is paid directly by the service user, then you must make sure that your company has put in place arrangements for professional indemnity as a condition of your continuing registration with RCCP.

If you have 'significant control' of a company, then you will probably have filled in a declaration with Companies House.
  • I undertake a combination of employed and self-employed roles. What does this mean for me
If you are an employee and you also undertake some self-employed work, you need to ensure that you have arrangements in place for all of the risks arising from your self-employed work, as this will not be covered by any arrangements put in place by your employer.

You must have arrangements in place which provide appropriate cover for all aspects of your work.

  • I am an educator and do not have any contact with service users. Do I need to have a professional indemnity arrangement in place?

You should assess whether your work exposes you to risks which might give rise to claims from others, such as students. If you are employed, your employer or education provider is very likely to have made professional indemnity arrangements which will provide appropriate cover for all the relevant risks related to those activities you carry out as part of your job.

Arrangements may, however, vary between different employers or education providers, so if you are unsure, you should always check with your employer or education provider.

For further profession-specific advice or support, you should consult your professional body, trade union, defence organisation or insurer, in order to make reasonable, informed decisions about the level of cover appropriate to you and your practice.

  • I need to secure a professional indemnity arrangement for my practice and / or check that my existing level of cover is appropriate. Where can I find further guidance or support?

It is a requirement of registration with RCCP that all registrants to ensure that they have an appropriate professional indemnity insurance in place to cover all their professional activities. What might be appropriate cover for one registrant may be inappropriate for another registrant. You must to make sure that you consider the risks which may arise from your own practice and make sure that you have a professional indemnity arrangement in place which provides cover which is appropriate to those risks.


RCCP cannot advise about the level of cover that you need and does not currently provide indemnity insurance. For further profession-specific guidance or support, you should consult your professional body, trade union, defence organisation or insurer, in order to make reasonable, informed decisions about the level of cover appropriate to you and your practice.

  • I am registered with the RCCP but not practising at the moment. Should I arrange appropriate indemnity insurance?
We recognise that professionals may sometimes be registered with us but not be practising for short periods of time. For example, they might be on a career break or looking for employment.

If you are not practising, then your actions should not pose a risk, however if you begin to practice again then you should reconsider your situation and ensure that your work is covered by indemnity insurance.

If you have previously made your own professional indemnity arrangements, but are no longer practising and considering cancelling your arrangement you need to think about this carefully. You need to understand how your cover will work. This includes having in place appropriate ‘run-off’ cover, in order to ensure that a service user will be able to recover any compensation they may be entitled to as a result of your actions while you were practising, even if you are no longer practising at the point at which a claim is made. You should consult whoever provides your professional indemnity arrangement (e.g.an insurer or a professional body) directly so that you can make sure that any necessary arrangements for run-off cover are in place.

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RCCP are on the move !

From the 1st January 2019 the registered office for the RCCP will be The Middlewich Suite Droitwich Medical Centre Ombersley Street Droitwich WR9 8RD We will also have a new contact number of 01905 885350 Please continue to use the existing number and address until this date. More exciting news to follow………………..


RCCP Gains PSA Accreditation

Release date: Friday 23 March 2018   NEWS RELEASE   The Registration Council for Clinical Physiologists gains Professional Standards Authority accreditation The Registration Council for Clinical Physiologists (RCCP) has gained Professional Standards Authority (PSA) accreditation. Patients are able to choose a clinical physiologist belonging to a register vetted and approved by the Professional Standards Authority for Health and Social Care, an independent statutory body, accountable to Parliament. The RCCP’s register has been accredited under the Accredited Registers programme. Clinical physiologists on the RCCP’s register will be able to display the Accredited Register quality mark, a sign that they belong to a register which meets the Professional Standards Authority’s robust standards. Trefor Watts, RCCP Chair said: “Following rigorous assessment, we are delighted that our commitment to patient safety and high professional standards has been recognised by the PSA. The quality mark will give extra peace of mind for anyone looking for a clinical physiologist, letting them know that anyone who holds the mark is committed to high standards. The RCCP is pleased to offer the quality mark to clinical physiologists that meet the far reaching standards of our register, as approved by the Professional Standards Authority.” Harry Cayton, Chief Executive of the Professional Standards Authority said: “We are very pleased to accredit RCCP’s register of clinical physiologists. Bringing clinical physiologists into a broad framework of assurance is good for patients, service users and the public and is the best way to promote quality. The programme offers a new layer of protection for anyone looking for health and social care services, and gives clinical physiologists the opportunity to demonstrate their commitment to good practice.” Accreditation means that RCCP’s register meets the Professional Standards Authority’s high standards in governance, standard-setting, education and training, management of the register, complaints handling and information. Accredited registers encompass a growing range of occupations and organisations and the Professional Standards Authority may accredit more than one register in any particular occupation. Further information about Accredited Registers is available at http://www.professionalstandards.org.uk/accredited-registers The RCCP holds a voluntary register for practitioners in six disciplines of Clinical Physiology. Its aim is to ensure the highest levels of safety for patients of clinical physiologists.   For further information about the RCCP visit www.rccp.co.uk


RCCP DATA PROTECTION POLICY

RCCP DATA PROTECTION POLICY RCCP needs to hold personal information about people with whom it deals in order to carry out its business and provide its services. Such people include, registrants, employees (present, past and prospective), suppliers and other business contacts. The information includes name, address, email address, date of birth and career and education information. In addition, we may occasionally be required to collect and use certain types of such personal information to comply with the requirements of the law. No matter how it is collected, recorded and used (e.g. on a computer or on paper) this personal information must be dealt with properly to ensure compliance with the General Data Protection Regulation (GDPR). The lawful and proper treatment of personal information by the RCCP is extremely important to the success of our business and in order to maintain the confidence of our service users and employees. We ensure the RCCP treats personal information lawfully and correctly. DATA PROTECTION PRINCIPLES RCCP fully supports and complies with the six principles of the GDPR Regulations which are summarised below: Lawful, fair and transparent There has to be legitimate grounds for collecting the data and it must not have a negative effect on the person or be used in a way they would not expect. Limited for its purpose Data will only be collected for specified and explicit purposes and not used in a way someone would not expect. Adequate and necessary It must be clear why the data is being collected and what will be done with it. Unnecessary data or information without any purpose should not be collected. Accurate Reasonable steps will be taken to keep the information up to date and to change it if it is inaccurate. Not kept longer than needed Data should not be kept for longer than is needed, and it must be properly destroyed or deleted when it is no longer used or goes out of date. Integrity and confidentiality Data should be processed in a way that ensures appropriate security, including protection against unauthorised or unlawful processing, loss, damage or destruction, and kept safe and secure. DATA CONTROLLER (RCCP) Any personal information that you provide on this website is controlled by the RCCP which will: Ensure that there is always one person with overall responsibility for data protection Ensure training is provided for all staff members who handle personal information Provide clear lines of reporting and supervision for compliance with data protection. Ensure that personal information is held securely. PERSONAL INFORMATION Users of the RCCP website and participants in our activities may be asked to submit personal information (e.g. name, address and email address) in order to receive or use our services. Such services include newsletters, publications, information and advice. When giving us your details, you are consenting to the processing of your information by RCCP and its agents in accordance with this Data Protection Policy. You may also provide personal information to us when you contact us by email, telephone or letter. Whenever you provide such personal information, we will treat that information in accordance with this policy. RCCP will, at all times, act in accordance with current legislation and aim to meet current best practice. USES AND STORAGE OF PERSONAL INFORMATION When any personal information about you is supplied to RCCP we have legal obligations towards you in the way we deal with that information. We must collect the information fairly, that is, we must explain how we will use it. This Data Protection Policy explains how we will use your personal information. We will use personal information provided by you or gathered by RCCP about you for the following purposes: To process and respond to requests, enquiries and complaints received from you and others To provide services requested by you To prevent or detect fraud concerning your registration To communicate with you about services provided to you but only using communication methods agreed by you To update our records To analyse trends and profiles For audit purposes To carry out customer satisfaction or other types of research To recommend products and services that we believe will be of interest to you but only if you agree and only then using communication methods agreed by you To enable third parties to carry out any of the purposes above on our behalf RCCP will never share, sell or trade your personal information to any third parties for marketing purposes. RCCP currently use other organisations to manage our activities: Executive Business Support (EBS) for our administrative support and Executives on the Web/ Apps and Mobiles for our IT support. These organisations have access to your data in order to perform services on our behalf. We make sure anyone who provides a service for us enters into an agreement with us and meets our standards for data security. They will not use your data for anything other than the clearly defined purpose relating to the service that they are providing. RCCP may contact you for a number of purposes related to the service you have signed up for. For example, we may wish to provide you with password reminders or notify you that the particular service has been suspended or changed. We will hold your personal information on our systems only for as long as is necessary to meet our legal obligations and for the purposes set out above and we will remove it when the purposes have been met and in any event within 30 days of you requesting your personal information is deleted. We will offer you the option to choose if you receive information from RCCP and how that information will be provided to you. You should be aware that if you choose not to receive information from RCCP about your registration then your registration may lapse if we cannot communicate with you about it. SHARING OF YOUR PERSONAL INFORMATION RCCP may share your personal information with third parties only if you have given explicit consent to do so and only in the following ways: We sometimes use agents and service providers to process personal information on our behalf. For example, we use third parties to perform administrative services and to maintain our IT systems. Where we use personal information, we will ensure that they have adequate security measures in place and are governed by our privacy policies in respect to the use of your personal information. We will release your personal information when we are required to do so by law. We will release your personal information to others when you have given your consent to that release. ACCESS TO YOUR PERSONAL INFORMATION You have the right to request a copy of the personal information RCCP holds about you. We want any information that we hold to be accurate so you can ask to have any inaccuracies corrected. We will ask for confirmation of identity before we disclose any personal information and may charge an administration fee to process the request, but only if the request that you make is excessive. We will respond to any request for information within 30 days of receipt of such a request. Please address requests to RCCP. GOVERNING LAW These terms and conditions shall be governed by and construed in accordance with the laws of England and Wales. Visit the Information Commissioner’s website (www.ico.org.uk) for more information on GDPR. RCCP COUNCIL MEMBER RESPONSIBIITIES All Council members of RCCP are covered by the scope of this document. It also includes contractors, temporary staff, secondees, interns and all permanent employees. All staff will, through appropriate training and responsible management: Observe all forms of guidance, codes of practice and procedures about the collection and use of personal information Understand fully the purposes for which RCCP uses personal information


CPD Report 2017

RCCP CONTINUING PROFESSIONAL DEVELOPMENT AUDIT REPORT 2017 Continuing professional development (CPD) can be defined as a broad range of activities that a person undertakes or participates in, in order to maintain, improve or develop their knowledge and skills to the benefit of the practitioner, those that work with and most importantly the patient. All registrants are required to maintain CPD activity in order to remain on the register. This report reviews the CPD audit undertaken during August and September 2017.


Department of Health & Social Care Consultation

The Department of Health and Social Care has recently been consulting on the delivery of effective regulation. It said that the UK's model of professional regulation for healthcare professionals has become complex and outdated and that regulation needs to change to protect patients better, to support our health services and to help the workforce meet future challenges. The RCCP responded to the consultation and you can see our response here


RCCP Renewal 2018 Questions and Answers

From the 1st April 2018 you may Renew your Registration for this year. We have created a more comprehensive ‘Frequently Asked Questions’ section to assist all registrants, based on all renewal enquiries we have previously received. We hope we have covered your query here and alleviated the need to email or call.


Reporting a Concern

Concerned about poor practice? It's easy to let us about it. Click the title to find out more


Update on joint working with AHCS

The Registration Council for Clinical Physiologists (RCCP) and the Academy for Healthcare Science (AHCS) have been discussing joint working for the last 2 years. Please click to view an update.


Renewal Notice 2018-2019

Your registration with the Registration Council for Clinical Physiologists is due for renewal on 1st May 2018. We are pleased to confirm that the renewal fee will remain at £40.00 and is unchanged from the previous 8 years.


National Standards for Invasive Procedures

The National Safety Standards for Invasive Procedures (NatSSIPs) published new safety standards on 7th September 2015 - this applies to all clinical physiologists so please make sure you are aware of it - find out more here


Reactivate your Registration

If you wish to reinstate your registration you will now need to follow the new online Reactivation process.


Updating your details?

Email Address - it is important to make sure your email address is correct and up to date as this is our main method of contacting you and the only way you can login and access your online account. The monthly Newsletters are sent to all Registrants via email only.


RCCP Guidance on Prescribing

Not sure what your limitations on prescribing are? - find out more here


Sign the RCCP petition

Clinical physiology was recommended for statutory regulation by the Health Professions Council in 2004 - find our more here


Returning to practice?

Thinking of taking a career break or returning to practice after a gap? Find our here how to maintain or renew your registration with RCCP


What CPD do I have to do?

RCCP standards require that a registrant must follow some simple rules


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