Home insurance with a home battery

DullGreyGuy

They would be fixtures and fittings which typically comes under the buildings section assuming they are permanently attached to the structure and you're not talking about a window sill/portable thing  

TELLIT01

DullGreyGuy said:

Aretnap said:

TELLIT01 said:

Building insurance policy questionnaires often have a very loosely worded item about any changes made to the building.  Solar panels would certainly fall into that category.  

Do they? I'm pretty sure I've never been asked that. Are you thinking of car insurance?

It would be a strange question to ask about houses because nearly everyone would have to say yes. Any house more than a decade or two old probably has a new kitchen, bathroom and boiler at a minimum. Victorian houses will be mostly unrecognisable from their original setup and it would be impossible for the owner to list every alteration which has been fine over the years.

I've once seen a question on if the property has been extended and if the answer is yes then they ask when further Qs about when but agree that "modified" would be a very difficult question for anyone other than a new build owner to answer

I've just found this  https://www.comparethemarket.com/home-insurance/content/solar-panels/

Slinky

wiscombe64 said:

Supplementary question. Are solar panels and home batteries covered by buildings insurance or contents insurance? My vote would be buildings insurance as they are an intrinsic part of the building’s electrical system. Any dissenters?

We have different contents and buildings insurance with different providers. I've recently renewed contents and asked about the panels, and they said they would come under buildings.

wiscombe64

TELLIT01 said:

DullGreyGuy said:

Aretnap said:

TELLIT01 said:

Building insurance policy questionnaires often have a very loosely worded item about any changes made to the building.  Solar panels would certainly fall into that category.  

Do they? I'm pretty sure I've never been asked that. Are you thinking of car insurance?

It would be a strange question to ask about houses because nearly everyone would have to say yes. Any house more than a decade or two old probably has a new kitchen, bathroom and boiler at a minimum. Victorian houses will be mostly unrecognisable from their original setup and it would be impossible for the owner to list every alteration which has been fine over the years.

I've once seen a question on if the property has been extended and if the answer is yes then they ask when further Qs about when but agree that "modified" would be a very difficult question for anyone other than a new build owner to answer

I've just found this 

Thanks for this, it kind of contradicts earlier advice about not needing to alert your insurer about them, apart from if you need to increase your buildings valuation as a consequence. As I said, I found confirmation that my panels are covered by looking at the FAQs on my insurer’s website. No mention of batteries, which is why I started the thread. Cheers 

DullGreyGuy

TELLIT01 said:

DullGreyGuy said:

Aretnap said:

TELLIT01 said:

Building insurance policy questionnaires often have a very loosely worded item about any changes made to the building.  Solar panels would certainly fall into that category.  

Do they? I'm pretty sure I've never been asked that. Are you thinking of car insurance?

It would be a strange question to ask about houses because nearly everyone would have to say yes. Any house more than a decade or two old probably has a new kitchen, bathroom and boiler at a minimum. Victorian houses will be mostly unrecognisable from their original setup and it would be impossible for the owner to list every alteration which has been fine over the years.

I've once seen a question on if the property has been extended and if the answer is yes then they ask when further Qs about when but agree that "modified" would be a very difficult question for anyone other than a new build owner to answer

I've just found this  https://www.comparethemarket.com/home-insurance/content/solar-panels/

Which just says its covered but to remember include its value in the rebuild cost of your home