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Solar Panel Insurance

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If you have solar panels installed on your home, it’s important that you get solar panel insurance too. As a specialist insurance broker, we can help you get the cover you need.

Existing customers please call
  • Solar panel cover is usually covered without extra costs
  • Offers cover for most types of solar panels
  • Suitable for new and existing customers – call us for cover

Do solar panels affect house insurance?

For the most part, solar panels won’t affect the cost of your home insurance. However, it’s important that you let us know if you’re going to install solar panels on your roof as all insurers are different.

As the upfront costs of installing solar panels are quite high, making sure that your buildings cover includes insurance for the panels is integral. You might also need to calculate the costs involved with re-building your home again. This will help ensure that, should something happen to your house, your insurance policy will be able to cover the costs involved with replacing the panels.

Do I need to let you know if I’m planning on installing solar panels?

Yes, you should let us know as soon as possible about your plans to install solar panels on your property. If you’re an existing customer, give us a call on . Whilst this is unlikely to affect your home insurance premiums, any significant changes to your home should be mentioned to your insurance broker or provider.

Which kinds of solar panels do your insurers cover?

We cover the majority of different solar panel types, including solar photovoltaic (PV) panels. These are generally the most common type of solar panel used in the UK, and use the sun’s energy to produce electricity. Contrary to popular belief, these even work on cloudy days when the sun isn’t visible.

Another type of solar panel that we cover is solar thermal panels. These work in much the same way as PV panels, except they use energy from the sun to produce heat the water you use.

If you use another source of eco-friendly power, let us know on and we’ll see if we can help!

Will my insurer pay out if my solar panels are damaged accidentally?

As long as you let us know that you’ve installed solar panels and your policy has been updated accordingly, your insurer should be able to pay out in the event that the solar panels get damaged.

If you’ve asked for full accidental coverage on your buildings insurance, this will include solar panels on your property too once you let us know they’ve been installed.

Why is Adrian Flux the best insurance broker for solar panel insurance cover?

Whilst solar panels are becoming more popular, they are still considered a non-standard feature of your house that requires specialist cover. At Adrian Flux, we pride ourselves on insuring the “uninsurable”. As a result of this, we’ve come to be known as one of the UK’s leading insurance brokers.


Does this include solar panels hail damage?

The policy includes most types of storm damage. Please note that most solar panel manufacturers will test the panels to ensure they can withstand hail damage, but should any of your solar panels become damaged as a result of the elements, please let us know.

Does solar panel insurance cover fire damage?

Buildings cover generally covers damage from fire, storms, impact, floods, and subsidence. As a result, so long as you tell your insurer that you’ve installed solar panels, the panels should be protected against the same causes of damage as that of your building.

What are the benefits of having solar panels?

Although the upfront costs of solar panels are relatively high, they can work out as a highly economical and environmentally friendly option for electricity and water heating needs.

In addition to this, the government has set up a new scheme called the Smart Export Guarantee (SEG). This essentially requires licensed electricity suppliers to set up a tariff for any excess electricity generated by your solar panels that is exported to the National Grid. This ensures that you get remunerated for any energy routed to the grid, meaning that you could see returns on your investment fairly soon after installation!

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