Forums

Search with Wattson
Forums
Renewable Heating
Air Source Heat Pum...
Heat pumps and home...
 
Notifications
Clear all

Joining the Renewable Heating Hub forums is completely free and only takes a minute. By registering you’ll be able to ask questions, join discussions, follow topics you’re interested in, bookmark useful threads and receive notifications when someone replies. Non-registered members also do not have access to our AI features. When choosing your username, please note that it cannot be changed later, so we recommend avoiding brand or product names. Before registering, please take a moment to read the Forum Rules & Terms of Use so we can keep the community helpful, respectful and informative for everyone. Thanks for joining!

Is Your Heat Pump Covered by Your Home or Emergency Insurance Policy? Poll is created on Feb 14, 2024

  
  
  
  
  
  
  

Heat pumps and home insurance. Are you insured?

 
Page 1 / 2
Air Source Heat Pumps (ASHPs)
Last Post by noburn 2 years ago
18 Posts
11 Users
15 Reactions
7,205 Views
RSS
Mars
 Mars
(@editor)
Illustrious Member Admin
Joined: 5 years ago
Posts: 4516
Topic starter 01/10/2021 9:50 pm   [#125]

Our home insurance policy has an actual exclusion for heat pumps - they aren't covered if something goes. Oil and gas boiler, no problem, it's covered. 

Does your home insurance cover your heat pump?

Please let me know, because we might be able to escalate this matter and get this changed. If there's something confidential you don't want to post publicly, please drop me a DM.


Get a copy of The Ultimate Guide to Heat Pumps

Subscribe and follow our YouTube channel!


   
Quote
 Kev M
(@kev-m)
Noble Member Member
Joined: 5 years ago
Posts: 1276
02/10/2021 10:27 am  

@editor, No exclusions in my policy except this, which seems reasonable to me:

"for loss or damage to swimming pools, hot
tubs, tennis courts, service tanks, central
heating oil tanks, ground source heating
pumps, terraces, paths, drives, walls, fences,
gates and hedges unless your home is
damaged by the same cause and at the
same time.

It's a bit concerning if policies are carving out general liabilities for heat pumps. 



   
👍
2
ReplyQuote
 HMK
(@hmk)
Eminent Member Member
Joined: 5 years ago
Posts: 12
02/10/2021 4:28 pm  

My insurance with NFU

What is insured 

Main heating system

The total failure, complete breakdown whether
or not caused by accidental DAMAGE, to the
main heating system (including all radiators,
hot water pipes and water storage tanks) in
YOUR HOME.

What is not insured

YOU are not insured for any claim arising from or
relating to:

• DAMAGE caused by any gradual process;

• warm air and solar heating systems or boilers
with an output over 60Kw/hr.

Hope that helps



   
👍
2
ReplyQuote



Mars
 Mars
(@editor)
Illustrious Member Admin
Joined: 5 years ago
Posts: 4516
Topic starter 03/10/2021 9:42 pm  

I've attached the exclusion in our home emergency policy - it excludes ground, water and air source systems (section r, vii) , but oil and gas fired boilers are covered.

IMG 0511

 

 


Get a copy of The Ultimate Guide to Heat Pumps

Subscribe and follow our YouTube channel!


   
ReplyQuote
Mars
 Mars
(@editor)
Illustrious Member Admin
Joined: 5 years ago
Posts: 4516
Topic starter 03/10/2021 9:48 pm  

@hmk, I assume you have a heat pump. I guess many farmers have heat pumps these days, so I would hope that the NFU would cover this. It would still be interesting if they had qualified engineers to fall back on in remote locations of a heat pump did fail or stop working. 


Get a copy of The Ultimate Guide to Heat Pumps

Subscribe and follow our YouTube channel!


   
ReplyQuote
Mars
 Mars
(@editor)
Illustrious Member Admin
Joined: 5 years ago
Posts: 4516
Topic starter 21/12/2021 10:18 am  

Now that we have more users on the forums I wanted to bump this topic and see who else has home insurance that covers or excludes heat pumps.


Get a copy of The Ultimate Guide to Heat Pumps

Subscribe and follow our YouTube channel!


   
ReplyQuote



 batalto
(@batalto)
Noble Member Member
Joined: 5 years ago
Posts: 1092
21/12/2021 12:28 pm  

@editor I had Admiral Gold home insurance they state:

Boiler Emergency cover
If your boiler or heating system completely breaks down, or you have no hot water, we will arrange and pay for emergency work to be carried out to make a temporary repair of the damage. This section covers two claims per period of insurance, each with a claim limit of up to £500.

They then go on to say

Heating system defined as

"The main form of heating in your home, either central heating or other forms of heating such as renewable technologies, liquid petroleum gas (LPG), oil, solid fuel, electric boiler and solar power"

However further down they then state under what's not covered

"Repairing or replacing underfloor heating, warm air units, air- or ground-source heat pumps, and gas appliances..."

The whole thing doesn't make sense to me. They state that they class a heating system as renewables and that they'll cover them and in the next breath exclude renewables

 


12kW Midea ASHP - 8.4kw solar - 29kWh batteries
262m2 house in Hampshire
Current weather compensation: 47@-2 and 31@17
My current performance can be found - HERE
Heat pump calculator spreadsheet - HERE


   
👍
2
ReplyQuote
 Peterr
(@peterr)
Estimable Member Member
Joined: 4 years ago
Posts: 67
21/12/2021 1:02 pm  

@editor 

We have a Halifax Home Emergency Policy, which states that we are covered for:

"Complete failure or breakdown of either the heating and/or hot-water supply provided by the primary heating system"

The only exclusions that could apply to us are included in:

"Any form of solar heating, under floor heating system (not including the supplying boiler and controls) and any non-domestic heating boiler and associated system."

So basically our ASHP is covered, but our UFH isn't.



   
👍
2
ReplyQuote
 Derek M
(@derek-m)
Illustrious Member Member
Joined: 5 years ago
Posts: 4425
21/12/2021 2:17 pm  

@batalto 

I think what they are saying is that they will cover the cheaper bits, but not the expensive bits. Makes sense from their point of view. You must remember that you are supposed to pay for home insurance, but not actually make any claims. ☹️ 



   
👍
2
ReplyQuote



Mars
 Mars
(@editor)
Illustrious Member Admin
Joined: 5 years ago
Posts: 4516
Topic starter 14/02/2024 9:40 am  

It’s been a while since I started this topic and wanted to revisit it to see if there has been progress in getting heat pumps insured. Our latest home insurance policy, with Lloyds, only mentions boilers, and the definition of primary heating system only refers to boilers.

And please cast a vote on the poll above that I’ve just added.


Get a copy of The Ultimate Guide to Heat Pumps

Subscribe and follow our YouTube channel!


   
ReplyQuote
Toodles
 Toodles
(@toodles)
Famed Member Contributor
Joined: 4 years ago
Posts: 2711
14/02/2024 11:21 am  

@editor I hadn’t thought about that aspect! We are also insured with Lloyds and I note that the House & Contents policy we have includes ‘Solar Panels’ Mars, are you thinking in terms of theft, damage by the elements, damage from falling structures or maybe explosion?! Regards, Toodles.


Toodles, heats his home with cold draughts and cooks food with magnets.


   
ReplyQuote
MikeFl
 MikeFl
(@mikefl)
Estimable Member Member
Joined: 3 years ago
Posts: 132
14/02/2024 11:57 am  

I've looked through all 4 documents they send me for 'boiler', 'heating', 'air', 'pump', and can't find any specific reference, apart from saying that "warm air" heating isn't covered under home emergency optional cover, but I don't have that cover anyway. This is with LV. 


Grant Aerona 3 10kW


   
👍
1
ReplyQuote



Page 1 / 2
Forum Jump:
  Previous Topic
Next Topic  



Share:

Join Us!

Worth Watching

Latest Posts

Members Online

Click to access the login or register cheese
x Powerful Protection for WordPress, from Shield Security PRO
This Site Is Protected By
Shield Security PRO →