Insurance for solar

[semaphore]

Would the kit be put under house hold contents or building insurance ?

 

[Cactus]

Would the kit be put under house hold contents or building insurance ?

Best to phone your insurance provider and ask, but it would make sense to be part of the building. I'm pretty sure that you would have to declare it on your policy though.

 

[Quintrix]

Depending on what you have. If it is fixed panels on roof and inverter and batteries fixed to the wall and permanently integrated to your wiring then it should be covered by building insurance. If it is completely mobile it might be covered separately - not sure if insurance will include in household content.

 

[W@P]

Having 2 routers taken out by lightning now in 2 weeks and my solar install upcoming I am also thinking about insurance for the solar setup. Will call my insurer and find out.

 

[Hemi300c]

Get and work through a reputable broker.

 

[semaphore]

Will phone OUTsurance tomorrow and discovery to see what they say.

 

[Katelknaap]

My Building insurance covers any "fixtures & fittings" whilst in or on the building. The panels, inverter, etc. would thus covered as part of the standard policy against the standard covers that the policy offers (ie fire, theft, lighting, wind, etc). Just have to make sure the insured amount is sufficient to avoid any nasty surprises when claiming iro "under insurance".

The optional "Accidental damage to Fixed Machinery", covers mechanical, electrical & electronic breakdowns. You choose how much cover u want and pay a premium accordingly.

As per previous poster, consult with a professional experienced broker to get proper advice. All insurers' policies are different and it can be very tricky to make sure that u are adequately covered

 

[air]

Has anyone had vandalism on their solar panels - panels broken by stones thrown on them etc.?

 

[W@P]

My neighbour had 24 panels stolen from her business workshop roof recently. Must have hurt

 

[KleinBoontjie]

Anybody insured theirs, yet? If I understand correctly, from what my brother-in-law told me, you'll need to do regular/yearly maintenance and keep the maintenance certificates as proof. Is that true?

 

[Snyper564]

The best way to describe where it should be placed is as follows.

If your house is turned upside down and the item falls its content and if it doesn't move its the house/property. I contacted outsurance and they said as long as the value was included in the value of the insurance policy all good. No additional certificates etc needed.

OUTSURANCE valued the house about 2.5x the purchase price so I just left every hint as is didn't "up" the insurance

 

[Mike Hoxbig]

The best way to describe where it should be placed is as follows.

If your house is turned upside down and the item falls its content and if it doesn't move its the house/property. I contacted outsurance and they said as long as the value was included in the value of the insurance policy all good. No additional certificates etc needed.

OUTSURANCE valued the house about 2.5x the purchase price so I just left every hint as is didn't "up" the insurance

Geysers are covered under building, and if you turned the house upside down, it would move...

 

[Mystic Twilight]

Geysers are covered under building, and if you turned the house upside down, it would move...

Well technically roof tiles (stacked variation) would move as well.

Aside from theft, make sure solar panels are covered under hail damage.

 

[Quintrix]

Geysers are covered under building, and if you turned the house upside down, it would move...

If you want to be that technical then your geyser should actually be bolted down but it is not because of the sheer weight of the water that keeps it in place. Same will happen to most of your roof tiles ,,

 

[RonSwanson]

Would the kit be put under house hold contents or building insurance ?

For yours (like mine) it's Building Insurance. Mine did not require the CoC upfront, but keep it in a safe, fireproof place in the eventuality of a claim, the assessors will ask for it.

 

[Quintrix]

For yours (like mine) it's Building Insurance. Mine did not require the CoC upfront, but keep it in a safe, fireproof place in the eventuality of a claim, the assessors will ask for it.

Did your insurance go up? By what percentage?

 

[RonSwanson]

Did your insurance go up? By what percentage?

It was very small, a few rands, cannot remember exact amount, but I did post it somewhere here.

 

[semaphore]

Spoke to OUTsurance, it's all covered under my existing cover and can increase the value if required. They just need the invoice and coc.

 

[deweyzeph]

For yours (like mine) it's Building Insurance. Mine did not require the CoC upfront, but keep it in a safe, fireproof place in the eventuality of a claim, the assessors will ask for it.

Every COC I've ever received has been a digitally issued PDF document emailed to me. Never seen a physical one.

 

[semaphore]

Every COC I've ever received has been a digitally issued PDF document emailed to me. Never seen a physical one.

I have a physical one when I bought my house, not that the coc is worth anything the electrician in question failed to pick up something pretty bad. I now need to go through the process of reporting the ****.