Solar PV insurance Q

mac2008

So last night's storm reminded me that I probably should inform my insurance company about my panels.

So, who has done this, with whom, and what was their response? i.e. are there any limitations on the cover, extra premiums etc?

Also, has anyone had problems with panels detaching or causing damage to the roof in high winds?

I note this thread here has some info, but is a couple of years old:

https://forums.moneysavingexpert.com/discussion/2922364

cheers,
Mac

InVestor_2

I would expect most companies regard them as part of the building for insurance purpose.

The 2 companies I have used since installation have, and for no premium.

You should inform your insurance company no matter what, to ensure cover.

You should also inform your mortgage provider.

if they try to charge a premium, you could always change to someone who doesn't.

mac2008

InVestor wrote: »

I would expect most companies regard them as part of the building for insurance purpose.

The 2 companies I have used since installation have, and for no premium.

You should inform your insurance company no matter what, to ensure cover.

You should also inform your mortgage provider.

if they try to charge a premium, you could always change to someone who doesn't.

Thanks. Which two companies were they please?

What is the logic for informing ones mortgage provider?

InVestor_2

mac2008 wrote: »

Thanks. Which two companies were they please?

What is the logic for informing ones mortgage provider?

No probs.

Can't remember the previous company, present one is a specialist but for other reasons.

I think it's a requirement to inform mortgage provider, but it should only be a formality. Someone else might be able to give more 'solid' reason why.

Just shop around for insurance, like I said from experience most just accept it as part of the building. Just check yourself.

dreaming

I am with Direct Line and specifically asked about my PV but the man checked and it is covered as part of Buildings insurance.

thenudeone

This is an old post but the information probably hasn't changed much:
https://forums.moneysavingexpert.com/discussion/3334072

mac2008

thenudeone wrote: »

This is an old post but the information probably hasn't changed much:
https://forums.moneysavingexpert.com/discussion/3334072

Fantastic, thanks - I did search but missed that one. Just what I was looking for.

[Deleted User]

we have an eco house with pv and solar panels and we changed to

http://www.naturesave.co.uk/

we first arranged our initial insurance with a bog standard co and by the end of the year realised that we were not insured properly at all, I think it was an item on tv that focused our minds, when someone lost everything. We then looked hard for a company that would enable us to be fully covered and we found the above. We actually went around room by room and consequently almost doubled our contents insurance as the solar panels and the wood pellet stove had to be included in contents as far as I can recollect. The insurance co is very thorough and inspires confidence. Our fit payments are now covered as well as all the other unusual bits and pieces

silverwhistle

mac2008 wrote: »

So last night's storm reminded me that I probably should inform my insurance company about my panels.

Me too! In my defence though, I've been busy, but now safely through the 'storm' it's on my list...

bjohnson

Our original company only covered us for if the panel blew off and hit something or somebody, but not for the panel itself. we changed to the Co-op insurance and they cover everything. It's well worth asking the insurance company exactly what is covered.