@technogeek How refreshingly pleasing this sounds for any insurance company / policy! 😉
Toodles, 76 years young and hoping to see 100 and make some ROI on my renewable energy investment!
Posted by: @technogeekInteresting. We are with Aviva Insurance and I read another article regarding heat pump insurance cover so I called them. Aviva Insurance class a heat pump as part of the heating system \ building fabric so do not require any special notification due to its value (as you do with contents over a certain threshold value) or any additional add on cover.
Policy Expert Buildings insurance has the definition of "Building" in the policy as "....Buildings also includes the permanent fixtures and fittings in or mounted upon the buildings that could not easily be removed and reused, such as fixed solar panels (that have been professionally installed), fixed
sanitary fittings (for example, toilets, sinks and baths) and laminated, wood-effect or vinyl floor coverings."
Which is not definitive but would certainly make an arguable case. Certainly is not part of the Contents!
On a related note, are solar panels “contents” too?
Buy Bodge Buster – Homeowner Air Source Heat Pump Installation Guide: https://amzn.to/3NVndlU
From Zero to Heat Pump Hero: https://amzn.to/4bWkPFb
Follow our sustainability journey at My Home Farm: https://myhomefarm.co.uk
I think their strange logic is that solar panels are physically attached and part of the building whereas the heat pump is not.
Anyway, Aviva will cover and Direct Line wont.
Install 13 April 2024 - 4 Bedroom Brick Detached - Ecodan 11.2kw R32 - 25L Buffer - 250L Telford Tempest HP DHW - All 16 radiators replaced - Auto Adapt - Octopus Tracker
It does seem to be an insurer by insurer question. When I completed my insurance scope statement/description, there was no specific ASHP option. So I picked “electric heating”. I called to explain and the agent seemed fine with “electric”. But I got a call back a few days later saying they would have to put a change in, to adjust the insurance to ASHP. Uh oh I thought, price rise. But no cost change and ASHP noted on the insurance.
Daikin Altherma 3H HT 18kW ASHP with Mixergy h/w cylinder; 4kW solar PV with Solic 200 electric diverter; Honda e and Hyundai Ioniq 5 P45 electric vehicles with Myenergi Zappi mk1 charger
@julianc I should imagine that there is a much lower chance of damage to the fabric of the building from a heat pump failure than that from a gas boiler going amok! Regards, Toodles.
Toodles, 76 years young and hoping to see 100 and make some ROI on my renewable energy investment!
@toodles agreed Toodles. I think it’s the old “something different” so insurance companies need to catch up with the market
Daikin Altherma 3H HT 18kW ASHP with Mixergy h/w cylinder; 4kW solar PV with Solic 200 electric diverter; Honda e and Hyundai Ioniq 5 P45 electric vehicles with Myenergi Zappi mk1 charger
@julianc that's really positive. Who's the insurer?
Buy Bodge Buster – Homeowner Air Source Heat Pump Installation Guide: https://amzn.to/3NVndlU
From Zero to Heat Pump Hero: https://amzn.to/4bWkPFb
Follow our sustainability journey at My Home Farm: https://myhomefarm.co.uk
@editor I am with Policy Expert for buildings & contents insurance.
Please use this link if anyone chooses to take out insurance with them and I receive a bonus:
https://policyexpert.mention-me.com/m/ol/sm3ql-julian-clarke
Daikin Altherma 3H HT 18kW ASHP with Mixergy h/w cylinder; 4kW solar PV with Solic 200 electric diverter; Honda e and Hyundai Ioniq 5 P45 electric vehicles with Myenergi Zappi mk1 charger
That's strange.
Policy Expert are who I am currently with and spoke to earlier this week.
I have contacted them again and they quote their underwriters and say "the outside pump, as it's not attached to the building, is classed as contents in the open and as such under my silver policy is covered up to a value of £350". Gold policy has a cover of £1,000.
The fact that it is sitting on a concrete slab and not physically attached to the building seems to be the deciding factor.
Install 13 April 2024 - 4 Bedroom Brick Detached - Ecodan 11.2kw R32 - 25L Buffer - 250L Telford Tempest HP DHW - All 16 radiators replaced - Auto Adapt - Octopus Tracker
- 25 Forums
- 1,513 Topics
- 31.8 K Posts
- 25 Online
- 1,283 Members
Join Us!
Latest Posts
-
RE: Additional Battery v Wind Turbine v Ripple
I should add, being an investment, the value of your in...
By Old_Scientist , 3 hours ago
-
RE: Ecodan - flow rates, sensors, settings
Achieving an accurate flow measurement is probably the ...
By Derek M , 7 hours ago
-
RE: Ecodan ASHP - How to optimise my set up?
Again, thank you for another thorough post, @derek-m - ...
By rhh2348 , 9 hours ago
-
RE: Delivering a smart and secure electricity system: government consultation
@Transparent.Now that I am represented by a new MP I th...
By IanMK13 , 11 hours ago
-
RE: Vaillant aroTHERM plus not level or flat - what base is best under an external unit?
Similar thread here
By Johnmo , 12 hours ago
-
RE: VDI 2035 heating water specification
Been looking and it seems a good little project. Ever...
By Johnmo , 1 day ago
-
RE: Do I accept an ASHP and Solar Panel retrofit under the HUG 2 scheme?
Will do. I'm currently waiting for another survey / vis...
By dssr , 2 days ago
-
The company that did the borehole were expecting us to ...
By Johnmo , 2 days ago
-
-
RE: The Misquote That Ruined the Heating Industry
@abernyte manufacturer training is pretty average. They...
By Mars , 2 days ago
-
-
RE: ECO4 Scheme and EPC ratings
@mellow Thanks. Given there is a scheme requirement to ...
By Old_Scientist , 3 days ago
-
RE: Do I just go with the lowest quote for my heat pump?
@jancold To me its a no-brainer then, a max 40C flow te...
By bontwoody , 3 days ago
-
-
RE: Heat Pump Books Beginners – Bodge Buster & From Zero To Heat Pump Hero
@editor Presumably he had some good weather Compensatio...
By Toodles , 4 days ago
-
RE: New Vaillant 7kW aroTherm ASHP or oil boiler dilemma/decision??
Storage capacity really is dependent on storage tempera...
By Johnmo , 4 days ago
-
RE: HP Cycling, Expected or Undesirable
Just a little update. I ordered a longer shielded twin ...
By bontwoody , 4 days ago
-
RE: Domestic hot water timer doing crazy things on my Grant Aerona3 10kW air source heat pump
Thanks @allyfish for the pics and info. Spoke to the in...
By Mellow , 4 days ago
-
RE: Aira Heat Pump: Stylish Scandinavian Heating
It's been a busy day for calls and emails from Aira. I ...
By MikeH , 4 days ago
-
RE: Heat Pump Servicing & Maintenance – Good Value or Rip-Off?
Hmm. A bit of a nuanced answer, methinks. As I've alr...
By Majordennisbloodnok , 4 days ago
Latest Topics
-
Ecodan - flow rates, sensors, settings
By rhh2348 9 hours ago
-
Replacing mains water with well water
By Johnmo 2 days ago
-
Additional Battery v Wind Turbine v Ripple
By bontwoody 2 days ago
-
By jamespipe 3 days ago
-
VDI 2035 heating water specification
By Johnmo 3 days ago
-
Do I just go with the lowest quote for my heat pump?
By Jancold 5 days ago
-
The Misquote That Ruined the Heating Industry
By Alec Morrow 5 days ago
-
Battery Storage Wiring Gauge Question
By Puff 6 days ago
Members Online
No online members at the moment