Chancel repair liability and insurance

ging84

I was charged just over £5 for it on my purchase last month
i still have no real idea what it's all about, finding out would have been a lot more than £5 worth of effort

spender717

We're paying £35 for it. Begrudge this extra cost but in the grand scheme of things it's a small price to pay.

tigsly

as I understand it the chancel fee can be added in the gap between exchange and completion - if it has been requested yet not applied - at exchange -there is a tiny risk of it being there at completion - i'd have thought it rather unlikley- but if the fee is £5 - in the grand scheme of things -its tiny

Unless someone can tell me otherwise - i'm cautious by nature and am a bit scared of it!

newbutold

Richard_Webster wrote: »

Your solicitor will have copies of the Land Registry entries presumably not showing any specific Chancel Rights. Before completion he will do a search and if they are still not shown then since 13/10/2013 you take free of any liability so can't see why anyone is suggesting insurance now for a new buyer.

On the house I am buying the solicitors said she can do a chancel liability search first, rather than selling me insurance that may not be needed. The search came back as no record of chancel liability, with a certificate to confirm this.

The house is in an area of chancel church.

Is this the norm now, and I do not need to take insurance?

bouicca21

Chancel repair liability where it exists applies to specific plots of land not to all land in an ancient parish. In most cases where insurance is or has been sold it is totally unnecessary because the search has been conducted incorrectly. A first stage search identifies the bare possibility of a liability on some land somewhere in the parish; the next stage reveals whether there is a continuing liability and the specific plots to which it attaches, or whether liability has been extinguished. Occasionally the liability is of a type that can be exchanged with another plot so a much more complicated search is necessary. Insurance probably worth while if a complicated search is required, though these are the cases where the liability is often already registered on the deeds (as it was in the infamous case of Aston Cantlow, where people forget that the huge bill was mainly legal fees, not the amount required for the chancel).

Arkers

Unless there is ongoing liability, it is my understanding that the legislation has changed on this approx. 1 year ago and it is no longer a recognised charge.

Land_Registry

Arkers wrote: »

Unless there is ongoing liability, it is my understanding that the legislation has changed on this approx. 1 year ago and it is no longer a recognised charge.

The legislative change you refer to was made in 2002 with 12th October 2013 being the important date thereafter.

Chancel repair liability still exists and I would encourage posters to read the blog (inc the links therein) as mentioned in the earlier post

bouicca21

Ssw how very interesting. Please share your research or I will conclude you are spamming.

poppydog01

So where is the best buy CRL insurance to be had? Has MSE ever researched it?

Affinity99

We had never heard of this before we got our contracts to sign to exchange, we looked into it and have paid £37 insurance which our solicitor sorted out for us