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Chancel Repair Liability (CRL) has not stopped even though the 13th October date has passed, click here
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- Chancel repair liability is a medieval anomaly whereby the Parish Church was granted powers to charge those owning "rectorial land" for the upkeep of the chancel of the church.
- The prospective risk is unquantifiable, and can affect any property irrespective of its current use or location.
- Of 15,000 parishes circa 5,000 parishes are at risk.
- Identifies potential chancel repair liability for property owners
- Uses a simple, easy to use ordering system
- Results are delivered instantly via email
- Available online 24/7
- Where an issue is identified ChancelSure® will cover the risk.
ChancelCheck® Premium – The Product
- Offers a cost effective solution for large areas of land.
- Radius of the property is over 25 meters
- The address of the property is an OWPA (Object without address, such as ‘land at’) so drawing a map is easier than selecting an address
- A property that may fall within or across more than one parish
- That a chancel repair search of any kind is not a "usual and necessary search"
- Local knowledge should be relied upon, when historical parish boundaries are rarely known
- Only older properties can be affected
- Welsh properties are not affected
- The property needs to be close to a church
- Indemnity insurance is not available where a potential or actual risk is identified.
Why you still need a ChancelCheck® post October 2013.
According to 5.4.1 of the CML Lender’s Handbook, you still need to carry out all usual and necessary searches:
“In carrying out your investigation, you must ensure that all usual and necessary searches and enquiries have been carried out. You must report any adverse entry to us but we do not want to be sent the search itself. We must be named as the applicant in the Land Registry search.”
- A unilateral notice for Chancel Repair Liability can still be lodged against a title whilst the Priority Search (OS1) is in place.
- ChancelCheck® will identify if there will be any risk of Chancel Repair Liability being registered during the transaction, as finding out during the contracted period means there may be huge implications for both parties.
- Identifying potential risk and (where necessary) insuring against Chancel Repair Liability with ChancelSure®, will assist in securing the completion of a registration at Land Registry and protect both your client and your risk of liability. N.B: Insurance needs to be put on risk at the point where the potential risk is identified and not at the end of the transaction.
- Conveyancing protocols (i.e the CQS or SLCQA) require greater transparency within the conveyancing process for both parties.
for further information regarding chancel repair liability post October 13th 2013.
To find out more about these products and our prices please log on and visit the ChancelCheck® product tab.