how do you avoid this payment of chancel?

Deals_2

we are in the process of selling and they have done a chancel search . i dont really understand why they are askign whether we woudl like to agree to pay this £80 to cover it. i think it must be some kind of insurance. we are not on church land but i have heard through partner's parents that they had to pay £288 for buying their property in case one of the churches needs work it woudl avoid them being liable for it. any additional info appreciated. thanks. also what is the cheapest insurance cover one gets in the future for this purpose. thanks

Doozergirl

Only a solicitor can purchase the indemnity policy for this so you can't really shop around for this. Your buyers pay a very small fee initally to do a very broad search which will highlight whether the property might be affected.

I would try and get them to pay for the indemnity policy themselves. If they won't, then it's not worth arguing over. The price of the policy depends on the value of the property but I think we paid £57 last time, so you're not far off.

Davesnave

Yes, as a seller I paid £59 last year for indemnity. As Doozergirl says, it's not worth getting into a strop about. By 2013 it will no longer apply, but who's waiting till then?

Ch4rlieB

Davesnave wrote: »

Yes, as a seller I paid £59 last year for indemnity. As Doozergirl says, it's not worth getting into a strop about. By 2013 it will no longer apply, but who's waiting till then?

Not strictly true. The Church of England has until 2013 to register properties as liable to pay for your local church. So if your house is one of the unlucky ones you'll still need chancel isurance after 2013.

Interestingly.. Actually having the search can lead to the CoE becoming aware your house is liable. there is another option which is to just buy the insurance.. If I remember rightly its not actually much more than the initial search anyway.. and is what we did for our house.. cost something like £20 more than the search.. which if had come back that we need it would have been another chunk of money for the insurance as well.

There is plenty on the net about it... just search in google

Doozergirl

The insurance we're referring to is the cheap policy - it's actually cheaper than the full searches which would send the premium sky-rocketing if the property were found to definately be affected - so all round, the cheap and cheerful policy is the common sense option.

Woby_Tide

(whereas the MSE option is don't buy either);)

Deals_2

several options. i was told up to value of £500,000 the price is £80 on the cheapest policy. and the solicitor picks the cheapest insurance policy if they know which one is the cheapest.

Doozergirl wrote: »

Only a solicitor can purchase the indemnity policy for this so you can't really shop around for this. Your buyers pay a very small fee initally to do a very broad search which will highlight whether the property might be affected.

I would try and get them to pay for the indemnity policy themselves. If they won't, then it's not worth arguing over. The price of the policy depends on the value of the property but I think we paid £57 last time, so you're not far off.

Deals_2

are trying to say..?

Woby_Tide wrote: »

(whereas the MSE option is don't buy either);)

Deals_2

had a quick look in google.

Ch4rlieB wrote: »

Not strictly true. The Church of England has until 2013 to register properties as liable to pay for your local church. So if your house is one of the unlucky ones you'll still need chancel isurance after 2013.

Interestingly.. Actually having the search can lead to the CoE becoming aware your house is liable. there is another option which is to just buy the insurance.. If I remember rightly its not actually much more than the initial search anyway.. and is what we did for our house.. cost something like £20 more than the search.. which if had come back that we need it would have been another chunk of money for the insurance as well.

There is plenty on the net about it... just search in google

Woby_Tide

Deals wrote: »

are trying to say..?

don't start replys in the title it loses part of the text

I was saying that potentially you can not bother buying the policy if you so wish and feel that it is an un-needed policy

tbs624

Deals - maybe you could take the view that £80 is a piddling amount of money if this is the only issue that stands between you and a completed sale?

It's one of those things that will come up again, with any other buyer.

It is usual for the seller to pay for it but if you are really strapped for money you could maybe get your solicitor to tell the potential purchaser that you'd be willing to pay half and see what they say.