How long does it take to arrange an indemnity policy?

[ThisMustBeMyDream]

After 20 months of house move saga, I thought we were finally drawing to a close. But no. Another hurdle.
This time it has come to light that the house I'm buying doesn't have planning permission for the extension. Planning was approved, but for a bigger extension. Due to costs, they got a smaller extension done. Company who did it told owners planning not required. Anyway, turns out it is as over 3m.
The actual building was completed exactly 1 year ago (internals not finished for a few months after). Anyway, sellers solicitor has said we can get an indemnity policy and this isn't a problem.
So my question is, how long does this take, and how much delay should I be expecting?
My buyer has thrown a huge spanner in the works tonight by suddenly saying she needs to be in for 8th Sept, or they won't move until 28th Oct!!!!
Please help me stay calm, and not lose my shit!
We started packing last night as we thought we were close to moving. We already had one failed move un Feb, just days from exchange and the chain collapsed. We were 70% packed and had to unpack the entire house after which was heartbreaking. I can't bear the thought of going through all that again.

I organised mine from Canada by a quick email exchange!

Assuming that your solicitor uses an online indemnity insurance company like most do, probably around 10-15 minutes to fill in the online form and get the quote processed and returned.

That's unless it's a very odd situation that needs a bespoke policy drawn up by an underwriter, and from what you've said, this is a standard policy situation.

Ooooh, thank you for the quick replies! So it sounds like it could be sorted before the end of the week, with everything back to my solicitor. 🤞🤞🤞🤞
Typically it is bank holiday Monday next week, so I really need this to be wrapped up!

Virtually instant.

I thought permitted development was 4m, not 3?

Apparently 4m for detached, 3m for semi detached 🤷‍♀️🙈.

I'm not convinced that you can get indemnity insurance for a building completed so recently. The chances of the council insisting it's corrected are quite high at this point in time, so insurance might not be the way forward. Seller might need to get retrospective consent. What does your solicitor say?

I just tried to get an indemnity certificate as I'd put wooden floors down in my leasehold flat that apparently had to remain carpeted. The solicitor arranged it really quickly but the buyers solicitor refused to accept it...

My solicitor said the work had to be more than 12 months old, which it just about is.
I'm happy to accept an indemnity, especially as planning was granted for a larger extension. So if my solicitor asks, it will be a yes.

It can be done very quickly but takes a few more days with an insurer who looks at the facts - and someone who actually reads the draft policy and statements of fact to make sure the cover does what it needs to do. I agree with the PP who wondered whether it would be covered as it's so recent though.

That's rather silly. Good to know though, thanks.