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

Yes, covered under home insurance

Yes, covered under emergency insurance

Covered under both home and emergency insurance

It’s vague, because it’s unclear under the definition of primary heating system

Not covered by any insurance

Not covered and there’s an exclusion specifically against heat pumps

I don’t know. I’ve never considered checking.

Heat pumps and home insurance. Are you insured?

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Air Source Heat Pumps (ASHPs)

Last Post by noburn 2 years ago

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Mars

(@editor)

Illustrious Member Admin

Joined: 5 years ago

Posts: 3484

Topic starter 14/02/2024 3:05 pm

@toodles I'm referring to either/or. Emergency cover if the heat pump starts work, or if the heat pump is stolen or crushed by a falling tree during a storm.

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SKD

(@skd)

Estimable Member Member

Joined: 4 years ago

Posts: 55

14/02/2024 3:26 pm

Posted by: @editor

↑

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.

Mars, I do recall asking about this at renewal. I've just gone back and checked the policy wording again and there is one related exclusion, for loss or damage to ground source heat pumps due to subsidence or heave.

Mitsubishi Ecodan 11.2kW R32 ASHP; Ecodan DHW cylinder; UFH+rads
20x430W Jinko TOPCON Tiger Neo solar; Luxpower 6+4kW hybrid inverter; 20kWh LFP battery storage

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David I

(@david-i)

Active Member Member

Joined: 2 years ago

Posts: 4

16/02/2024 9:42 am

Really interesting question and when I heard of a couple of manufacturers requesting no anti-freeze protection I wrote and asked them about warranty, one didn't reply the other said they would look upon a freeze damaged heat pump warranty claim on a one-off basis. In other words, hope for the best.

When chatting to an insurance assessor on an unrelated claim at my home I asked what the policy would be and he said candidly he didn't know but if there was no specific inclusion or exclusion anything under a known risk with some sort of protection applied generally would be covered, anything under known risk with no protective measures taken would likely not be covered.

An excerpt from a heat pump manual "All hydronic parts are insulated to reduce heat loss, insulation must be added to field pipework. In the event of a power failure the above features would not protect the unit from freezing."

I work for a manufacturer of heat pumps and boilers.

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noburn

(@noburn)

Eminent Member Member

Joined: 2 years ago

Posts: 22

18/02/2024 12:02 pm

According to my Home Insurance policy I have cover for a "boiler" and underground pipes. Outside above ground equipment (mentions air conditioning unit) and associated outside pipework is not covered. When I spoke to my insurers they stated that ASHPs were not covered.

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Mars

(@editor)

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Joined: 5 years ago

Posts: 3484

Topic starter 18/02/2024 12:08 pm

@noburn who's the insurer just for reference?

Buy a copy of the The Ultimate Guide to Heat Pumps

Subscribe and follow our Homeowners’ Q&A heat pump podcast

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noburn

(@noburn)

Eminent Member Member

Joined: 2 years ago

Posts: 22

18/02/2024 3:37 pm

Posted by: @editor

↑

@noburn who's the insurer just for reference?

Direct Line when I renewed 6 months ago. I also have car insurance from them. The motor policy has some EV specific features that I like. So far I'm very happy with them but come renewal time I'll research alternative offerings.

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