Chancel Repair Insurance

[pmakwana]

Ive just exchange contracts on a new property. However, I had to take out Insurance for Chancel repairs. Can anyone shed any light on this? I think it is due to the fact that there is a church within the area which is listed. Apparently all local residents need to pay for any repairs fo this church. I am a Hindu and have nothing to do with churches, yet I still need to take this insurance out. IS there anything I can do?

[rabbitygirl]

I had to take out similar insurance last year. Cant remember the charge but it was low. It's a one off payment which guarantees that, if the church come calling for help with a new roof, your insurance will cover.

You've got the insurance now so the following situation is unlikely to arise, but should you legally challenge a claim on the basis of your religion pmakana, I wonder what the outcome would be. Interesting.

[sandmaster]

Nothing to do with your religious beliefs. When you exchanged contracts you took on the conditions attached to the freehold - your solicitor should have advised you about it. It can prove very expensive and the courts have fairly recently upheld the terms in a similar case. Be thankful you have the insurance.

[Ethel]

Nice bit of information here:

http://cherrypickedinsurance.com/news/useful-i nformation/chancel-repair-liability-insurance

There is absolutely nothing you can do regarding the need to pay the insurance.

Was you aware of this before you exchanged contracts?

[sandmaster]

Well done Ethel - that is the case I was refrring to!!