A doctor has taken a professional indemnity Policy on 01/06/2003 and has been continuously renewing...

As the Professional indemnity policy was taken on 01/06/2003 and it has been regularly renewed since then, and was in force during the occurrence of claim, the doctor will be reimbursed under the Policy.

As the Professional indemnity policy was taken on 01/06/2003 and claim has arose on August, 2006, so the doctor will not be reimbursed under the Policy.

As the operation has failed, so the doctor has to pay the compensation.

A profession indemnity policy does not include claims under failure of operation.