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Is your heat pump insured under your home insurance policy? Poll is created on Dec 07, 2022

  
  
  
  
  

Is your heat pump insured?

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Toodles
(@toodles)
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@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!


   
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Abernyte
(@abernyte)
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Posted by: @technogeek

Interesting. 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!

 

 

This post was modified 3 months ago by Abernyte

   
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Mars
 Mars
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On a related note, are solar panels “contents” too?

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(@richard24738)
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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 Dhw - All 16 radiators replaced - Octopus Tracker


   
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Abernyte
(@abernyte)
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A heat pump is just as attached to the building as the bath in their logic.


   
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Toodles
(@toodles)
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@abernyte … and outside pipework come to that!

Toodles, 76 years young and hoping to see 100 and make some ROI on my renewable energy investment!


   
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JulianC
(@julianc)
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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


   
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Toodles
(@toodles)
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@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!


   
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JulianC
(@julianc)
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@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


   
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Mars
 Mars
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@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

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JulianC
(@julianc)
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@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


   
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(@richard24738)
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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 Dhw - All 16 radiators replaced - Octopus Tracker


   
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