Chargeable Event Certificate - With Profits Bond Surrender

Having recently fully surrendered a With Profits Bond with a total gain of £48,746 over 23 years & not earning enough in this tax year to pay income tax, I feel that (after top-slicing) no further tax will be due as 20% tax is assumed paid within the bond. I am confused about if I have to report anything to HMRC under these circumstances, especially if I have to send in a chargeable event certificate, all within 60 days of the gain. The 60 days is especially confusing as the provider of the bond sends out their chargeable event certificates within 90 days of the surrender. Some clarity would be most appreciated.

Hi,
As the amount is over £10000, you will need to complete a tax return for 2024 to 2025 to declare this.
Thank you.