Having originally been with a medical defence organisation, about 10 years ago I contacted AOOSIS, as I was concerned that the defence organisation was not able to guarantee coverage, being a discretionary-based provider. This contrasted with the policy arranged for me by MIC, a guaranteed non-discretionary service, that offers certainty for ophthalmologists. Over the past ten years, I have found their quotations very competitive, their medicolegal advice first class, and their understanding of the nuances of ophthalmic practice unparalleled among all providers, and am delighted with the service they provide.