What is solar panel insurance?

Solar panel insurance is cover that protects you from the financial blow of your system getting stolen, damaged, or destroyed in numerous specific ways. If you successfully claim on solar panel insurance, you’ll get a payout to help you to repair or replace your system.

Will my insurance cover a photovoltaic system?

Contact your insurer and ask whether your policy includes a photovoltaic system, preferably before you have the panels installed. Even if you’re absolutely sure you’ll be covered, you still need to notify your insurer.

Are solar panels covered by home insurance?

You’ll usually be covered for everything from natural disasters to theft, though probably not for accidental damage – so keep your roof gymnastics to a minimum. The addition of solar panels may increase the cost of your home insurance, but not by much.

Does a solar insurance policy cover accidental damage?

While standard policies may cover various risks, they might not include accidental damage to solar panels. To safeguard against such incidents, accidental damage cover can be added to your policy for an additional fee, providing extra protection for your solar panels.

Do solar panels outlive warranty?

Yet, with solar panels' lifespans of around 25 years, they are likely to outlive the warranty. Manufacturing defects: Defects in manufacturing are typically covered by the manufacturer's warranty rather than solar panel insurance. Policyholders are encouraged to address manufacturing-related issues directly with the manufacturer or installer.

How long do solar panels last?

Look out for solar performance warranties, which guarantee 90% production after 10 years and 80% after 25 years. Yet, with solar panels' lifespans of around 25 years, they are likely to outlive the warranty. Manufacturing defects: Defects in manufacturing are typically covered by the manufacturer's warranty rather than solar panel insurance.