Legal Indemnity Insurance policies for issue by solicitors and conveyancers

Instant Issue FAQs

  1. Why should I choose GCS?
  2. What is the difference between ‘Instant Issue’ and ‘Bespoke’ policies?
  3. How do I obtain further policy blanks for my Pack?
  4. What is the difference between the GCS Pack and GCS OnLine?
  5. What properties are covered by your legal indemnity policies?
  6. Can I find cheaper products elsewhere?
  7. How are discounts applied?
  8. How can I organise a policy?
  9. Can anyone set up an Instant Issue policy?
  10. Are there any charges for issuing policies?
  11. What if a risk does not meet your underwriting criteria or if the limit of indemnity is more than £2.5m?
  12. Can I change a self-issue policy so that it matches my client’s needs?
  13. Can I merge multiple Policies?
  14. Can I have one policy which covers several different properties?
  15. When does policy cover actually commence – is it really instant cover?
  16. Is a statutory declaration required for absence of easement or Insolvency Act policies?
  17. What limit of indemnity should we use on a policy – does it have to be full market value?
  18. How long do the policies last for?
  19. Can I extend my client’s existing policy?

If these popular FAQ’s do not provide you with the answers you are searching for, please contact us directly on the details provided to the right of this page, we would be happy to help.


1. Why should I choose GCS?

At GCS you will find an experienced team of underwriters whom specialise in conveyancing risks. Each of our underwriters enjoy an average of at least ten years’ experience and we are leaders in our field since we pioneered the introduction of Instant Issue policies. In addition to providing unparalleled quality products – the majority of our policies offer perpetual cover for all successors in title. We actively seek to provide our customers with the very best levels of service which can be seen in every area of our business, from providing direct access to senior underwriters to our commitment to offering straightforward, jargon-free solutions.

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2. What is the difference between ‘Instant Issue’ and ‘Bespoke’ policies?

Instant Issue policies are contained in our pack and available online, can be issued directly by you, giving your clients instant cover, without further sanction or temporary cover notes. To provide your clients with Instant Issue cover, simply follow the issue instructions and satisfy the standard risk acceptance criterion. Our Instant Issue facility remains the quickest and easiest way in which you can arrange cover for commonly found conveyancing risks.

Bespoke policies are arranged for you directly by our team of experienced underwriters. They cover anything that doesn’t fit the Instant Issue acceptance criteria, which includes any cover that’s not mentioned in the GCS ‘Pack’ or Online, such as new-builds and developments, complex or unusual risks and much more.

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3. How do I obtain further policy blanks for my Pack?

These can be ordered in several ways: online, by email, by fax, by telephone and finally in writing (perhaps when submitting a copy policy to us). To request further policy documents, you will find an order form at the back of your Instant Issue folder (section No. 25), simply complete and return to us – we will send your pack refills the very same day.

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4. What is the difference between the GCS Pack and GCS OnLine?

There is no difference. Each facility offers the same high levels of cover, in the same circumstances, at the same competitively priced premiums. We appreciate that some professionals would like a choice between using a paper pack and transacting online.

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5. What properties are covered by your legal indemnity policies?

Our range of products cover all your residential property, commercial property and development site needs. Whether you require routine search indemnity for a residential property or complex title cover for a multi-million-pound development, we can provide the solution.

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6. Can I find cheaper products elsewhere?

At GCS we pride ourselves on the quality of our products, there may be products offered elsewhere that are cheaper, but may not provide the same level of cover. We always aim to offer the best price and our coverage is market leading. If another insurer is cheaper, then why not talk to us? The nature, scope and duration of GCS cover offered is, we believe, the best. Our policies are specifically designed to offer a broad range of cover and satisfy the long-term requirements of both property owners and mortgage lenders. The majority of our policies provide perpetual cover, safeguarding value and ease of sale in the future.

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7. How are GCS discounts applied?

Discounts are available off selected GCS policies whether you issue via the Self-issue Pack, Online or through the Bespoke Service. These discounts are applied when your payment is processed and should you overpay, we automatically refund the difference. For further information and to view our range of discounts click here.

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8. How can I organise a policy?

We pride ourselves on making it as easy as possible for you to arrange cover instantly from our pack, online or through our bespoke service. For immediate cover of existing residential or commercial units you may choose one of our Instant Issue policies, accessible in a hard copy format (A4 binder), or electronically through our GCS OnLine facility. 
Should you require a bespoke policy, simply call, fax or email your enquiry to us. You can speak directly to one of our experienced underwriters, who will assess the risk and advise you of the options available to you and your client – often you can go from quote to cover, the very same day.

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9. Can anyone set up an Instant Issue policy or use GCS OnLine?

To be authorised to issue Legal indemnity insurance for your client, you must:

  • be a practising solicitor, licensed conveyancer or legal executive
  • either be regulated by your professional body (the Law Society or Council for Licensed Conveyancers) or directly authorised by the Financial Conduct Authority to carry out insurance mediation (this requirement applies whenever advice is given in relation to title indemnity policies in general and is not exclusive to GCS)
  • ensure the issue instructions and acceptance criteria are met
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10. Are there any charges for issuing policies?

No, simply the premium which is inclusive of IPT. We make no charge for considering enquiries regardless of whether or not an offer of cover is taken up.

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11. What if a risk does not meet your underwriting criteria or if the limit of indemnity is more than £2.5m?

If your risk is not covered by the instant issue policies found in your pack or online – Contact us! We have a dedicated team of underwriters willing and able to assist with any title enquiries you may have. We can generally offer a bespoke policy to suit your client’s requirements and even issue bespoke policies the very same day.

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12. Can I change a self-issue policy so that it matches my client’s needs?

If you would like to change a policy so that it matches your clients' requirements, simply contact us directly on 01435 868050 to discuss any changes and additions you may require. Our Bespoke Team will quickly arrange a quote on a policy which is inclusive of your changes – quotes are usually provided the very same day and are ready to convert to issue exactly when you need them.

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13. Can I merge multiple Policies?

Yes. GCS Bespoke offers all sorts of covers, including merged and multi-risk policies. What’s more, we offer some great discounts off selected Multi-Risk Bespoke cover. Call us now on 01435 868050 or email underwriters@gcs-title.co.uk to arrange your quote.

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14. Can I have one policy which covers several different properties?

Yes, we call these ‘portfolio policies’. Portfolio policies are designed for those clients that may have several properties. Perhaps you are working on behalf of a developer, who’s starting work on a new housing estate or a landlord with numerous buy-to-let investments? Our Bespoke Team can arrange single policies which cover all of the properties within your client’s portfolio. Simply call us on 01435 868050 or email underwriters@gcs-title.co.uk to find out more.

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15. When does policy cover actually commence – is it really instant cover?

Whether you issue a policy document from your ‘Pack’ or Online, all our policies are live documents which become activated as soon as the policy schedule is completed and signed by a solicitor, legal-conveyancer or legal executive - no cover notes, no referral, and no delay!

Once a GCS Self-Issue Legal Indemnity policy is signed by the conveyancing practitioner, they are fully active and your clients go ‘on-risk’ immediately.

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16. Is a statutory declaration required for absence of easement or Insolvency Act policies?

We don’t ask for statutory declarations to support the issue of either of these policies. 

Instead, for Absence of Easement policies, we simply ask that the conveyancer obtains the sellers confirmation that use of access and/or services have been enjoyed without dispute for at least the last 12 months, prior to policy issue.

For Insolvency Act cover, all we need is confirmation that a clear bankruptcy search is obtained against the donor.

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17. What limit of indemnity should we use on a policy – does it have to be full market value?

You choose the Limit of Indemnity – it doesn’t have to be full market value. This is entirely at your discretion; we find that many policies are issued with the limit of indemnity reflecting the current sale or purchase price of the property. Each conveyancer, though, should contact the mortgage lender or refer to the CML Handbook (found at: https://www.cml.org.uk) to ascertain the level of cover required.

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18. How long do the policies last for?

This varies depending on the type of policy being issued; most of our policies provide cover to the named Insured, their lender and all successors in title and they go on in perpetuity.  Some policies, such as those covering repairing issues e.g. flat or maisonette indemnity and flying freehold cover can have a limited period of insurance, generally 25 years.  Any policy that is limited in time will always include a definition of the Indemnity Period on the policy.

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19. Can I extend my client’s existing policy?

Depending on the policy, the chances are you can. If the policy is one of our Instant Issue policies, you may be able to increase its cover instantly by issuing a ‘Top-up’ policy. You can find our ‘Indemnity Top-up’ policies online and in Section No. 24 of your GCS Self-Issue Pack. These policies are used to increase the limit of indemnity on most Self-Issue policies – for a small additional premium.

It doesn’t even matter if the current policy was issued many years before or by a different firm of solicitors, as long as it is a GCS policy and is listed as suitable for top-up in the instructions set out at Section 24, you can self-issue.

To find out how much a top-up policy will cost, go to our ‘QuickQuote’ facility now. Alternatively, we are always happy to issue top-ups directly from our offices - just contact us with the policy details and we will arrange it for you.  (For bespoke or custom policy top-ups, simply call our Underwriters on 01435 868050 for a quotation).

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