@technogeek How refreshingly pleasing this sounds for any insurance company / policy! 😉
Toodles, he heats his home with cold draughts and cooks his food with magnets.
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?
Pre-order: The Ultimate Guide to Heat Pumps
Subscribe and follow our Homeowners’ Q&A heat pump podcast
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 - Heat Loss 9,281w, Design 45c at -2 - Ecodan 11.2kw R32 - 25L Buffer - 250L Telford Tempest HP DHW - All 16 radiators replaced - Auto Adapt - Mel-Pump app - Octopus Fixed Rate
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 12kWh ASHP with Mixergy h/w cylinder; 4kW solar PV with Solic 200 electric diverter; Honda e and new Hyundai Ioniq 5 N 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, he heats his home with cold draughts and cooks his food with magnets.
@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 12kWh ASHP with Mixergy h/w cylinder; 4kW solar PV with Solic 200 electric diverter; Honda e and new Hyundai Ioniq 5 N electric vehicles with Myenergi Zappi mk1 charger
@julianc that's really positive. Who's the insurer?
Pre-order: The Ultimate Guide to Heat Pumps
Subscribe and follow our Homeowners’ Q&A heat pump podcast
@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 12kWh ASHP with Mixergy h/w cylinder; 4kW solar PV with Solic 200 electric diverter; Honda e and new Hyundai Ioniq 5 N 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 - Heat Loss 9,281w, Design 45c at -2 - Ecodan 11.2kw R32 - 25L Buffer - 250L Telford Tempest HP DHW - All 16 radiators replaced - Auto Adapt - Mel-Pump app - Octopus Fixed Rate
- 26 Forums
- 2,153 Topics
- 47.3 K Posts
- 16 Online
- 5,673 Members
Join Us!
Podcast Picks
Latest Posts
-
RE: Can you help with our research: solar panels, EV chargers, home batteries, heat pumps?
Nice one @toodles... always appreciate your enthusiasm ...
By Mars , 10 hours ago
-
@profzarkov Good to know in case it ever happens to me...
By bontwoody , 15 hours ago
-
RE: New Vaillant aroTherm Plus in black - When will it come to the UK?
@patrickvito We have had car dealers re-powder coat the...
By ASHP-BOBBA , 16 hours ago
-
RE: Are Octopuses Slowing Consumer Adoption of Heat Pumps?
I mean, is this surprising? The local installers in my ...
By Alex , 16 hours ago
-
@old_scientist sorry, I should have made it clear that ...
By GrahamF , 16 hours ago
-
RE: Mitsubishi Ecodan 11kw Defrosting Issue.
@thundermink can you provide photos to illustrate your ...
By Morgan , 16 hours ago
-
RE: Boiling Mad: Exposing Radiatorgate
Hi @Rob, I’d be more than happy to contribute. I have ...
By DREI , 19 hours ago
-
RE: Solar Power Output – Let’s Compare Generation Figures
@andris a great year - very happy with our system
By Profzarkov , 21 hours ago
-
RE: A Customer's Lessons Learnt from a Heat Pump Installation in a Large House
After our rather lengthy meander off piste, I thought I...
By GrahamF , 22 hours ago
-
RE: Midea ASHP – how to set weather compensation
@pash44pump - to collect the IAT/OAT data, can I sugges...
By cathodeRay , 24 hours ago
-
RE: Ecodan software update. Real or scam?
@vinz86 Contact Mitsubishi and an engineer attends and ...
By ASHP-BOBBA , 1 day ago
-
@drei When I was in local government we were of cours...
By JamesPa , 2 days ago
-
RE: Heat Pump SCOPs – The Truth Might Not Be What You Think
Sufficient system volume is also essential for ensuring...
By Old_Scientist , 2 days ago
-
RE: Flexi-Orb Heat Pump Scheme: A Game-Changer for the UK's Heat Pump Industry
As someone who has suffered from a Heat Pump installati...
By DREI , 2 days ago
-
RE: What crazy nonsense are inverter limits and why are they imposed?
I’ve also got a dual fuel Rangemaster. We originally ha...
By Majordennisbloodnok , 3 days ago
-
RE: Octopus tariffs - a quick comparison
@tim441 I’d agree wholeheartedly with that, with 2 x Po...
By Toodles , 3 days ago
-
RE: Electricity price predictions
@bontwoody Maybe one for @editor to consider whether a ...
By ChandyKris , 3 days ago
-
RE: is a home battery without an EV worth it?
You would think, but when I had my Powerwall 3 installe...
By Old_Scientist , 3 days ago
Members Online
No online members at the moment