Has anyone ever had to buy chancel repair insurance?

[HeadFairy]

It's something that's come up on the searches on the house we're buying. Apparently our house is within "the historical boundary of a parish which continues to have a potential liability to contribute to the repair of the chancel of a church". It's not a massive thing, £60 I think buys us a years premiums, however, it's just not something I've heard of before and wondered if it entails something more?

[Millarkie]

We bought it when we moved to this house - although I think it was a one-off fee rather than annual. It's common in East Anglia (according to my mate who is a conveyancer here). And there was a highly publicised case a few years ago where a parish church asked the locals to pay for repairs because of some ancient law.

[MaryBS]

Yes, a friend had to pay a similar sum. Can't get away from it, unfortunately, you have to pay.

[MaryBS]

Oh, and the money doesn't go to the church, despite the name

[CMOTdibbler]

We bought it - it was a one off payment when we bought the house.

It's just that you could be asked to pay towards reroofing the church in theory, and if there aren't many houses in the parish, it could be pricey

[perdu]

Your solicitor will/should advise you to get it as the risks are far too great.

I think there was a case where someone had to pay something daft like £45,000 to repair the church....gulp

[HeadFairy]

Oh maybe the £60 mentioned by the solicitor was a one off fee... she's trying to get the sellers to pay that for us, but to be honest I don't mind. It won't break the bank, and it's got to be better than paying £45k (double gulp!)

[perdu]

I used to work in property law and have a vague memory that the insurance is for a fixed term so just find that out and remember to renew it I guess

good luck

[Liskey]

It is insurance against the risk of paying for church repairs. There is quite a famous case where a farm was liable to pay for repairs for a church - the owners I believe went bankrupt as they could not afford to pay after the court case. If the land you are buying was originally part of the diocese then you could become liable. The insurance is usually not required but well worth it!

[Rebeccaj]

see if you can get your sellers to pay it - that's what ours did to us! It's quite a common thing in some areas of London. Our buyer's solicitor was from portsmouth I think and had never heard of it!

[HeadFairy]

Thanks everyone, I will try and get the sellers to pay it, but they're quite tricksy and we've been homeless for 8 weeks now and are keen to get moving in!

We're not in London Rebecca - Reigate, but it is a pretty old part, lots of Victorian houses, so I guess it dates from then.

[navyeyelasH]

yup we had it with out house purchase too!

[wildfig]

we had to pay it as well: £75, I think, for a one-off indemnity/licence for insurers to make money. Our solicitor gave us the full dramatic monologue about the village that refused to rebuild the church, was found liable, villagers took their case (and presumably pitchforks) to the court of appeal, LOST, had to pay costs as well as new church, bankruptcy all round...

Our village has two churches. Thought it better to be safe than sorry, although it does have all the hallmarks of a terrible Richard Curtis romcom.

[bamboo]

Most solicitors think it's wise to have it now. Just one of the things you have to swallow and accept I think - the insurance companies must be laughing all the way to the bank .

I'm sure the onus is on your vendors to buy it though. We certainly did when we sold, and our vendors paid for it on the house we were buying, so it all worked out!

[bamboo]

Recent case here.

[GooseyLoosey]

Yep - we have it too. Just is not worth the risk of them coming after you for the cost of a new church roof. I think that in a few years the whole problem is going away but I might have imagined this.