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There is a fairly long thread on this. I am not good at searching but someone may be able to find it, or try searching on insurance and see if you can pull it up. P.S. I just tried a search but I am getting some funny things happening, and my screen is changing colours, so fingers crossed...

You need insurance from the first business day after signing the contract. We used to get a cover note, but lately we have had to pay for twelve months' cover. I imagine that if the sale doesn't go through you would get a pro-rata refund, but lose the stamp duty portion.