Renewable Heating Hub Heat Pump 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 2 / 2
Air Source Heat Pumps (ASHPs)
Last Post by noburn 2 years ago
18 Posts
11 Users
15 Reactions
7,844 Views
RSS
Mars
 Mars
(@editor)
Illustrious Member Admin
Joined: 5 years ago
Posts: 4724
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.


Get a copy of The Ultimate Guide to Heat Pumps

Subscribe and follow our YouTube channel!


   
ReplyQuote
 SKD
(@skd)
Trusted Member Member
Joined: 4 years ago
Posts: 63
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 Hanchu ESS LFP battery storage
PHEV; Zappi charger
1997 stone detached house with updated insulation. 140sqm, maintained at 20-22degC 24/7


   
👍
1
ReplyQuote
 David I
(@david-i)
New 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."



   
👍
2
ReplyQuote
 noburn
(@noburn)
Active Member Member
Joined: 3 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.



   
ReplyQuote
Mars
 Mars
(@editor)
Illustrious Member Admin
Joined: 5 years ago
Posts: 4724
Topic starter 18/02/2024 12:08 pm  

@noburn who's the insurer just for reference?


Get a copy of The Ultimate Guide to Heat Pumps

Subscribe and follow our YouTube channel!


   
ReplyQuote
 noburn
(@noburn)
Active Member Member
Joined: 3 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.

 



   
👍
1
ReplyQuote
Page 2 / 2
Forum Jump:
  Previous Topic
Next Topic  
Share:

SPONSORS

Join Us!

Installer Finder

Degrees of Separation

Latest Posts

SPONSORS

Click to access the login or register cheese
Protected By
Shield Security PRO