There’s an unknown crisis playing out in UK homes right now, and most of the people affected don’t know it yet. They will. Usually in January. Usually when the heating stops working.
Hundreds of thousands of homeowners have installed heat pumps over the past few years, encouraged by government grants, rising energy costs and a genuine desire to do the right thing for the planet. They’ve spent tens of thousands of pounds. They’ve done the research. They’ve made the switch.
What many of them haven’t done is check their insurance.
Not because they’re careless, but because nobody told them they needed to. The assumption, entirely reasonable on the surface, is that home emergency cover covers home emergencies. That buildings insurance covers the building. That a heating system is a heating system.
Except the insurance market wasn’t built around heat pumps. It was built around gas boilers. And when the technology changed, the policies (in too many cases) didn’t.
The result is a gap. A very real, very costly, very cold gap.
We’ve been covering this issue on the Renewable Heating Hub forums for years. We’ve heard from the homeowners who found out the hard way. And now we’ve made the video we wish had existed when this problem first started surfacing in our community.
It’s a complete deep-dive on heat pumps and UK home insurance and it covers far more than most people expect.
