Chancel Repair

Background:

Some properties have an obligation (called Chancel Repair) to contribute to the maintenance of a local church. This obligation may be formally recorded in the title documents or may have been revealed as the result of a Chancel Search having been undertaken. A change in Law in October 2014 meant that future owners of a property where there was no specific mention in the title would not be liable to contribute unless the church had registered their right against the Land Registry records. Cover continues to be required for those properties with a recorded liability, for existing owners and usually in the case in the case of a re-mortgage.

Many people are advised to take out cover in other circumstances as a precautionary measure.

In what circumstances is the cover needed?

Where there is

  • Mention of the liability in the title to a property,
  • A church has registered a right against a property, or
  • There is no change of ownership and a liability may exist.

Product features:

Risks Covered: Loss, costs and expenses incurred which are directly attributable to a repair liability in respect of a church chancel.

Information needed:

  • Property address
  • Property value (or developed value in the event that development is to take place)
  • Use of the Property – both current and intended (if a change of use or development is intended)
  • Office Copy entries and filed plan
  • Size of property and approximate land acreage
  • Details of any communication with the church authorities

 

For further information about Chancel Repair indemnity insurance or to get a quote, call our team on 0845 557 0845 (local call rate) or 01293 880700 or email us at enquiries@lawsureinsurance.co.uk