Insuring solar panels

Do solar panels have to be insured?

Whether you have to insure your panels depends on your situation. In most cases no separate insurance is needed: panels fall under your buildings insurance if you own the house, or under your contents insurance if you rent. We would always advise checking with your insurer.

Buildings insurance if you own the house

If you own your house and have panels fitted, they are automatically covered by your buildings insurance, which covers damage to your property. Because the panels are fixed to the house, they are part of it. Panels on the roof of your shed are covered as well.

If your panels are on a flat roof it is wise to tell your insurer, because specific conditions can apply there.

Contents insurance if you rent

In a rented house buildings insurance does not apply. Happily panels usually fall under the contents insurance then. We would advise contacting your insurer to check whether the sum insured is enough or whether you need additional cover. You may have to raise the amount for full protection.

What are my panels insured against?

With buildings or contents insurance, most insurers cover your panels automatically. In doubt? Then contact your insurer so you know for certain that your panels are covered against damage or theft.

With most insurers your panels are covered against:

• Fire
• Lightning
• Hail
• Theft
• Storm damage
  
  

Do I have to tell my insurer about solar panels?

That depends on your insurer. With some home policies panels are only covered once you have reported them. We would advise contacting your insurer to report the installation and ask what it means for your existing policy. Once your panels are properly included, damage from storm, fire or theft may be covered.

Lost yield through a fault or theft is not insured

Panels can stop working or break down, which means the promised yield is not reached. Your insurer does not cover that. At Dijkman Zonne-energie you are covered for it if you choose the warranty.