Dental Indemnity Direct
InsurTech / Dental Professional Indemnity
About Dental Indemnity Direct
Dental Indemnity Direct (DID) is a digital Hiscox dental professional indemnity scheme for UK GDC registrants. Trading style of DOA Special Facilities Limited (08958233, FRN 588171), Appointed Representative of DOA Underwriting Ltd (FRN 772309). Capacity is Hiscox scheme IS2. DID does not carry insurance risk: gross written premium is Hiscox's; DID earns commission (modelled 25% of GWP ex-IPT; live bordereau still TBA) plus 1Stop4aGP healthcare add-on margin. A 2% platform developer fee is paid out of commission. Platform live at did.insuretech.space (instant quote, Stripe + Direct Debit, policy documents, bordereau). Forecast start 1 Oct 2026 (FY27 = Oct 2026–Sep 2027). No external equity raise — group funding plugs only.
Revenue Streams
commission
25% of GWP ex-IPT (Base). Live Hiscox bordereau commission still TBA. GWP itself is not DID revenue.
add_on
Healthcare premium collected less COGS to 1Stop4aGP (62% → 55% of add-on premium). IPT-exempt.
Key Metrics Tracked
Closing policies in force
policies
Interpolated from 03_Volume year-end PIF (0 → 960 → … → 12,357).
New policies bound
policies
Base yellow volume 1,000 / 2,000 / 3,000 / 4,000 / 5,000 before scenario factor.
Quotes started (implied)
quotes
New binds ÷ quote-to-bind rate.
GWP ex-IPT (Hiscox, not DID revenue)
currency
Written premium including MTAs. Pass-through + IPT are not DID turnover.
Net operating income
currency
Commission + healthcare GM − 2% developer fee.
EBITDA (⅔ of NOI)
currency
FTE (ex contractors)
FTE
CAC (per new bind)
currency
From 09_UnitEconomics — uses bottom-up sales+marketing, not ⅓ NOI.
LTV / CAC
ratio
Market Segments
Quick Facts
- Legal Name
- DOA Special Facilities Limited
- Company Number
- 08958233
- Forecast Period
- 60 months
- Currency
- GBP
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