In short
A GP report is medical information an insurer requests from your doctor, with your consent, to help assess a specific part of your health history.
A GP report, often abbreviated to GPR, is a request from the insurer to your GP for information about a particular condition or part of your medical history. It can only be obtained with your written consent, and you have rights to see the report before it is sent.
Insurers do not request a GP report for every application. It is more likely where you have disclosed a specific condition, where larger amounts of cover are involved, or where the underwriter wants to confirm details before deciding terms.
A GP report can add time to the application, because it depends on your surgery responding. It is not a sign that something is wrong; it simply lets the underwriter base their decision on accurate information rather than assumptions.
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