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It may possibly occur as an unholy shock to property buyers to understand that they could obtain a surprise demand for cash from their nearby parish church.

Courting again to the 13th Century, Chancel Repair Liability is a medieval legislation that entitles the parish council to question for a contribution, or tithe from house owners for maintenance of the church, especially if major works are necessary, for illustration, to restore the roof.

While the government attempted to section out the law (by demanding parish councils to sign up the liability on the title of the home by Oct thirteen 2013), the current situation remains considerably perplexing for likely purchasers. Primarily, the absence of a discover on the title register does not essentially imply you are free from chancel mend liability. If the pre-exchange searches carried out by your solicitor reveal that the residence is in an spot which is possibly matter to the legal responsibility, there is a danger that you could be landed with a huge bill from the church.

To mitigate this, Instantaneous Indemnity offers Chancel Restore indemnity insurance that will protect you from these devilish needs.