Friday, 4 November 2016

GIS and Loans by Carol Warner, Manager, Government Indemnity Scheme, Arts Council England

We all appreciate the benefit of GIS in supporting our sector, indeed without it, many of the amazing loans and exhibitions that make our jobs such rewarding ones, could not happen. ACE estimate the scheme saves the sector £15 million pounds a year, from supporting recent loans as diverse as the stunning Ostro Topaz to King John’s teeth!

Although most registrars have a well-thumbed copy of the GIS guidelines to hand there is always more to learn so it was interesting to hear from Carol Warner, who manages the scheme for ACE, with some updates and FAQ’s.


The focus of the presentation was a summary of the new guidelines around the conditions precedent. These must now form part of the loan agreement though a side letter or email (moving with the times!)  is permissible as long as that letter or email references the original loan agreement and does not contradict it.  Without the conditions precedent included, the basis on which cover has been provided is null and void and there is no legal basis for paying a claim.

Carol then ran through a number of the most commonly asked questions about GIS and rather than going into detail here, you can find them and their answers in the copy of her presentation now available on the UKRG website.



She also looked at a number of queries from lenders which are becoming more common and what the solutions are;

War and /or Negligence clause - this can be covered if some set questions can be answered. For example if war cover is requested during transit details of transport and routes will be requested.

Comfort letter regarding claim process – This confirms the process and procedure should a claim be made.  Once ACE is satisfied with a claim they will pay in 4-7 working days.

Inalienability –  The concept of inalienability is not recognised in English law but ACE can issue a comfort letter stating that “ the indemnity offered by the UK Government does not affect title to the object” In England it is possible that title may be transferred to a finance company or retained by the owner. Whoever has the title must be listed on the indemnity schedule otherwise this may make it invalid.

Contingency or Difference in Condition insurance is an increasingly frequent request from Italian institutional lenders. This usually requires the borrower to pay a premium to the lenders insurance agents to cover everything not covered by GIS.



Touring exhibitions – GIS cover for transfers.
Having recently negotiated two different agreements with partners for two similar touring exhibitions I was very interested to hear what the advice would be. Carol advised that where a UK partner is the lead partner for a tour then two legs would usually be covered. Otherwise the benefits to the UK public have to be demonstrated and the cost of commercial insurance calculated to show the savings which could be made.

The full presentation is now on the UKRG website and further information can be found on the link below.

Thanks to Carol for the update and thank you to UKRG for giving me a bursary towards the cost of attending the AGM event.

By Jacqui Austin, Lead Registrar: Loans, touring & partnerships, National Galleries of Scotland

51 comments:

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  2. Hello Everybody, My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com)

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      Hello Everyone, I am Rosie Rhoma a single mom from Texas USA, I will like to share this great testimony on how i got a loan from Chester Brian Loans, when we were driven out of our home when i couldn't pay my bills anymore, After been scammed by various companies online and denied a loan from my bank and some other credit union i visited. my children were taken by the foster care, i was all alone in the street. Until a day i shamefully walked into an old school mate who introduced me to Daisy Maureen. At first i told her that i am not ready to take any risk of requesting a loan online anymore, but she assured me that i will received my loan from them. On a second thought, due to my homelessness i had to take a trial and applied for the loan, luckily for me i received a loan of $80,000.00 from Chester Brian Loans. Am happy i took the risk and applied for the loan. my kids have been given back to me and now i own a home and a business of my own. All thanks and gratitude goes to CHESTER BRIAN LOAN COMPANY for giving a meaning to life when i had lost all hope. If you currently seeking for a loan assistance, you can contact them via: {Brianloancompany@yahoo.com } OR text (803) 373-2162

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    1. Divine Loan Opportunity Offered By CHESTER BRIAN LOAN COMPANY That Save My Family From Financial Bondage {Brianloancompany@yahoo.com }

      Hello Everyone, I am Rosie Rhoma a single mom from Texas USA, I will like to share this great testimony on how i got a loan from Chester Brian Loans, when we were driven out of our home when i couldn't pay my bills anymore, After been scammed by various companies online and denied a loan from my bank and some other credit union i visited. my children were taken by the foster care, i was all alone in the street. Until a day i shamefully walked into an old school mate who introduced me to Daisy Maureen. At first i told her that i am not ready to take any risk of requesting a loan online anymore, but she assured me that i will received my loan from them. On a second thought, due to my homelessness i had to take a trial and applied for the loan, luckily for me i received a loan of $80,000.00 from Chester Brian Loans. Am happy i took the risk and applied for the loan. my kids have been given back to me and now i own a home and a business of my own. All thanks and gratitude goes to CHESTER BRIAN LOAN COMPANY for giving a meaning to life when i had lost all hope. If you currently seeking for a loan assistance, you can contact them via: {Brianloancompany@yahoo.com } OR text +1(803) 373-2162 visit our page now on http://brianloancompany.bravesites.com/

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    ReplyDelete
  22. How I Got Back On My Feet Again Through The Help Of A Reliable Loan Company

    Am here to share my testimony of what a good trusted loan company did for me. My name is Robert Laura, from Texas United States and I’m a lovely mother of 3 kids i lost my Job a couple of months ago 14th January precisely and things where so hard for me and my children, I went online to seek for a loan assistance and i fall into the hands of scammer, i was scam over $4,500.00 dollars, all my access where all gone, taken away from me. all hope was lost and i and my kids where sleeping in the street not until one faithful day when i met this friend of mine who recently secured a loan from PHILIPS LOAN FIRM. She introduced me to this honest company who helped me get a loan in less that 24 hours which was May 25th 2017 without any stress, i will forever be grateful to MR Philips Harvey, for helping me get back on feet again. you can contact them via email: Philipsharveryloanfirm@gmail.com, they do not know I’m doing this for them, but i just have to do it because a lot of people are out there who are in need of a loan assistance and they have been scammed like me please come to this company and be saved.Email:(Philipsharveryloanfirm@gmail.com)

    Regards.

    ReplyDelete
  23. WE OFFER ALL KIND OF LOANS APPLY FOR AFFORDABLE LOANS.

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  24. Getting a legitimate loan have always been a huge problem To clients who have financial problem and need solution to it. The issue of credit and collateral are something that clients are always worried about when seeking a loan from a legitimate lender. But.. we have made that difference in the lending industry. We can arrange for a loan from the range of $10,500. to $3000,000.000 as low as 3%interest Kindly respond immediately to this email: jorgebeckerlloans@gmail.com
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    ReplyDelete
  25. I have been so poor and sick before, but now i am rich and healthy
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    ReplyDelete
  26. WE OFFER ALL KIND OF LOANS APPLY FOR AFFORDABLE LOANS.

    ADAM FRED Loan Company is a well established finance company who are committed to providing our customers and suppliers with simple and competitive forms of finance solutions for all business users. An independent finance house and brokerage specializing in vendor finance schemes.

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  27. Hello,

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  28. Good Day Everyone,
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    ReplyDelete
  29. Wisconsin Mortgage Corporation has been providing quality home loans across Wisconsin.Meet our loan officers. Please choose the loan officer that you were referred to view their personal page and apply online.Wisconsin FHA Each loan officer's page includes the following services.

    ReplyDelete
  30. Good Day Everyone,
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    ReplyDelete
  31. Good Day Everyone,
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    ReplyDelete
  32. Good Day,

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    ReplyDelete
  33. standard chartered Loan Firm
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  34. standard chartered Loan Firm
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  35. standard chartered Loan Firm
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  36. standard chartered Loan Firm
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  37. standard chartered Loan Firm
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  38. Hello,

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    ReplyDelete
  39. I am Armando Taylor, a private money lender. I give out loans with an interest rate of 2% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:(armandotaylorloanhome@gmail.com)

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    ReplyDelete
  40. Hello,

    I just got a loan amount of $300,000.00 from Mr Rowland Perry, He is a real online lender, i just wanted to give it a trial because i don't believe anything online. To my greatest surprise i received an alert that the funds has been transferred to my account.

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  41. Do you need Personal Loan?
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  42. Good Day Everyone,
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    via email barbarahodgeloanfirm@gmail.com

    ReplyDelete
  43. Good Day Everyone,
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    via email barbarahodgeloanfirm@gmail.com.

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    Second Mortgage
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    * Mobile:
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    ReplyDelete
  44. Divine Loan Opportunity Offered By CHESTER BRIAN LOANS That Save My Family From Financial Bondage {Brianloancompany@yahoo.com }

    Hello Everyone, I am Rosie Rhoma a single mom from Texas USA, I will like to share this great testimony on how i got a loan from Chester Brian Loans, when we were driven out of our home when i couldn't pay my bills anymore, After been scammed by various companies online and denied a loan from my bank and some other credit union i visited. my children were taken by the foster care, i was all alone in the street. Until a day i shamefully walked into an old school mate who introduced me to Daisy Maureen. At first i told her that i am not ready to take any risk of requesting a loan online anymore, but she assured me that i will received my loan from them. On a second thought, due to my homelessness i had to take a trial and applied for the loan, luckily for me i received a loan of $80,000.00 from Chester Brian Loans. Am happy i took the risk and applied for the loan. my kids have been given back to me and now i own a home and a business of my own. All thanks and gratitude goes to CHESTER BRIAN LOAN COMPANY for giving a meaning to life when i had lost all hope. If you currently seeking for a loan assistance, you can contact them via: {Brianloancompany@yahoo.com } OR text (803) 373-2162

    ReplyDelete