Chancel Repair Liability

[mjb1]

Searches on the house that I'm buying show that it is in a parish that has the potential to have chancel repair liability registered against it, although this property doesn't have at present. Solicitor and information on the internet seem to suggest that the liability can't be registered to a title after October 2013, as long as ownership has changed since then.

Previous owner bought 10 years ago, so my interpretation is that the repair liability could only be registered while they are still the registered owners? After I've completed purchase it can't be registered in future?

If that's the case, then it hardly seems worth taking out the insurance against it?

[knk]

As I understand it, CRL must all be registered now, so you no longer have to purchase insurance against the risk it may have a liability.
If there is no registered liability, there is no liability; your conveyancing solicitor should check and sort.

[anonymous-user]

Given the fact that chancel repair insurance costs are pretty insignificant I'd go with the recommendation of the solicitor.

Yours

A.N Insurance Broker.

[mjb1]

desolate said:

Given the fact that chancel repair insurance costs are pretty insignificant I'd go with the recommendation of the solicitor.

Yours

A.N Insurance Broker.

Solicitor doesn't seem to want to recommend on anything - just gives the options and sits firmly on the fence.

[kowalski655]

Isnt CRL insurance only buttons anyway(assuming your lawyer says its needed)

[anonymous-user]

mjb1 said:

Solicitor doesn't seem to want to recommend on anything - just gives the options and sits firmly on the fence.

I am inclined to agree that is should have been registered by now.
If you are risk averse I'd take the policy as at the very least they will defend any claim, even if it is invalid.
This means you will have minimal hassle if you get an uppity viar who needs a new roof, or whatever it is.

[blueg33]

Seriously, just insure it. Solicitor send details to the usual Defective Title type insurers they look at it and provide a quote, I doubt it will be more than £500, probably a lot less.

We take out chancel repair insurance frequently, its quicker and easier than trying to decide whether it was registered in time etc.

[hornetrider]

desolate said:

Yours

A.N Insurance Broker.

Indeed. Biggest fking scam going, but you've got to suck it up.

[blueg33]

hornetrider said:

desolate said:

Yours

A.N Insurance Broker.

Indeed. Biggest fking scam going, but you've got to suck it up.

All defective title insurance or restrictive covenant insurance is mo0ney for old rope.

[anonymous-user]

blueg33 said:

hornetrider said:

desolate said:

Yours

A.N Insurance Broker.

Indeed. Biggest fking scam going, but you've got to suck it up.

All defective title insurance or restrictive covenant insurance is mo0ney for old rope.

All insurance is until it's needed.

I don't sell anything like that anymore but I do know of a few pretty meaty cases where it's been extremely valuable and one case where the vendor wishes he had bought - sale reduced to the tune of about 800k.

[chrisga]

We paid for chancel liability insurance on our last purchase after learning about this in a village nearby:

https://www.theguardian.com/money/2009/sep/28/gleb...

Think it cost about £25 or something daft. As others said in the big scheme of a house move nothing.

[p1esk]

This issue came up when we were buying our current home about two years ago, but the premium was such a trifling sum that we felt it would be foolish not to protect against CRL.

[blueg33]

desolate said:

blueg33 said:

hornetrider said:

desolate said:

Yours

A.N Insurance Broker.

Indeed. Biggest fking scam going, but you've got to suck it up.

All defective title insurance or restrictive covenant insurance is mo0ney for old rope.

All insurance is until it's needed.

I don't sell anything like that anymore but I do know of a few pretty meaty cases where it's been extremely valuable and one case where the vendor wishes he had bought - sale reduced to the tune of about 800k.

In 30 years of buying these policies almost every month i have never had to claim, nor have successors in title. Generally, by the time you have satisfied insurance co questions you are pretty sure there is zero risk. Yet buyers solicitors expect a policy. ,