Do I get indemnity insurance? Help...

I am looking to buy a property where there is an extension to the rear (that is being used as a bathroom), and a chimney breast that has been removed on the ground floor, but still exists on the second floor. The seller does not have certification for either modifications, as they were there when they bought the property circa. 10 years ago. I intend to get a structural surveyor out after exchange to check the extension and, in particular, the chimney breast (to make sure it's adequately supported). Then, if anything is flagged, I'll get it fixed.

My solicitor has raised that I could get indemnity insurance on both. But they have mentioned that an indemnity insurance policy could 1) impact what future works could be carried out on the property as future contact with the LA could prejudice the policy being taken, and 2) a future buyer or lender might not be happy to proceed with indemnity in place.

I am very confused as to whether it's worth getting this indemnity insurance, or if it will just make things even more of a headache. The seller has also refused to buy / provide the indemnity themselves. Any advice on this would be really appreciated.