The availability of insurance is not a complete solution to the problem of our outdated chancel repair laws. Often a screening search will reveal that the property is in a parish or tithe district where liability exists, so expensive insurance is taken out which may be completely unnecessary. For example where the parish church has been rebuilt after war damage or where virtually all the liability is either on the parish church itself or the Church Commissioners.
The insurance does not protect you against diminution in value on registration of a notice against your title, but only against the actual amount of any chancel repair bills. The law definitely needsd to be changed as the 2003 registration law has only made things worse. See my
my blogWrite to your MP if you agree. .