Legal Indemnity Insurance for Residential & Commercial Properties

Indemnity Top-Up

The Indemnity Top-up policy provides cover when additional financial cover is needed to supplement the limit of indemnity given by an existing GCS 'Instant Issue' policy. This might be required when the market value of a property covered by a GCS 'Instant Issue' policy has increased beyond the limit of indemnity provided by that policy.

Click here to download our Demands & Needs statement 

Full Key Facts relevant to your 'existing' GCS policy can be chosen and viewed by clicking here.

Key Features and Benefits

If a policy-holder makes a claim on his or her existing GCS 'Instant Issue' policy, he or she is entitled under the terms of that policy to be indemnified for loss up to the amount of the limit of indemnity stated in the policy.

If the value of loss is established as being greater than the limit of indemnity under the existing GCS 'Instant Issue' policy, the policy-holder can claim on the Top-up Indemnity policy for the additional loss that he or she has suffered, up to the amount of the Top-up Limit of Indemnity.

The type of loss which can be claimed under the Top-up Indemnity policy is the same loss for which indemnity is provided by the existing GCS 'Instant Issue' policy.

The policy does not cover any cause or event which is not covered by the existing GCS 'Instant Issue' policy.

The policy automatically covers subsequent owners of the property and mortgage lenders, and remains in force from the day you issue it without any time limit. 


This ‘At a Glance’ description of cover does not set out the full terms and conditions of cover or the exceptions and limitations which apply to the policy, all of which can be found in the policy document. Please also refer to the Key Facts policy summary.
* For additional cover and higher limits of indemnity, see Bespoke Policies

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