Renewable Heating Hub Heat Pump Forums

Search with Wattson
Forums
Renewable Heating
Air Source Heat Pum...
Is your heat pump i...
 
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 insured under your home insurance policy? Poll is created on Dec 07, 2022

  
  
  
  
  

Is your heat pump insured?

 
Page 3 / 8
Air Source Heat Pumps (ASHPs)
Last Post by Davesoa 11 months ago
94 Posts
28 Users
56 Reactions
38.2 K Views
RSS
Toodles
 Toodles
(@toodles)
Famed Member Contributor
Joined: 4 years ago
Posts: 3070
14/03/2024 3:58 pm  

@technogeek How refreshingly pleasing this sounds for any insurance company / policy! 😉


Toodles, heats his home with cold draughts and cooks food with magnets.


   
👍
1
ReplyQuote
Abernyte
 Abernyte
(@abernyte)
Reputable Member Member
Joined: 4 years ago
Posts: 267
14/03/2024 4:22 pm  

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!

 

 



   
👍
1
ReplyQuote
Mars
 Mars
(@editor)
Illustrious Member Admin
Joined: 6 years ago
Posts: 4975
Topic starter 14/03/2024 10:02 pm  

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


Dad’s Outside with the Heat Pump Again
He wanted to save the planet. His family just wanted him to come inside.
Get the book → · Free UK shipping
The Ultimate Guide to Heat Pumps · Britain’s Heat Pump Shitshow
Heat Pumps Explained · From Zero to Heat Pump Hero · Bodge Buster
From Zero to Heat Pump Hero and Bodge Buster are rewritten and updated for 2027.
New to heat pumps? Heat Pump Fundamentals course — 50% off with INTRO50.


   
ReplyQuote
 Richard24738
(@richard24738)
Estimable Member Member
Joined: 3 years ago
Posts: 104
15/03/2024 8:55 am  

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 Cosy Fixed
10 March 2026 - now 2 x Sigenstor 10 batteries with 8kw Inverter


   
👍
1
ReplyQuote
Abernyte
 Abernyte
(@abernyte)
Reputable Member Member
Joined: 4 years ago
Posts: 267
15/03/2024 9:09 am  

A heat pump is just as attached to the building as the bath in their logic.



   
👍
1
ReplyQuote
Toodles
 Toodles
(@toodles)
Famed Member Contributor
Joined: 4 years ago
Posts: 3070
15/03/2024 9:20 am  

@abernyte … and outside pipework come to that!


Toodles, heats his home with cold draughts and cooks food with magnets.


   
ReplyQuote
JulianC
 JulianC
(@julianc)
Honorable Member Member
Joined: 6 years ago
Posts: 336
15/03/2024 9:22 am  

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 Volvo EX30 Ultra Twin Performance electric vehicles with Myenergi Zappi mk1 & Ohme chargers


   
👍
1
ReplyQuote
Toodles
 Toodles
(@toodles)
Famed Member Contributor
Joined: 4 years ago
Posts: 3070
15/03/2024 9:31 am  

@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, heats his home with cold draughts and cooks food with magnets.


   
ReplyQuote
JulianC
 JulianC
(@julianc)
Honorable Member Member
Joined: 6 years ago
Posts: 336
15/03/2024 9:32 am  

@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 Volvo EX30 Ultra Twin Performance electric vehicles with Myenergi Zappi mk1 & Ohme chargers


   
ReplyQuote
Mars
 Mars
(@editor)
Illustrious Member Admin
Joined: 6 years ago
Posts: 4975
Topic starter 15/03/2024 9:33 am  

@julianc that's really positive. Who's the insurer?


Dad’s Outside with the Heat Pump Again
He wanted to save the planet. His family just wanted him to come inside.
Get the book → · Free UK shipping
The Ultimate Guide to Heat Pumps · Britain’s Heat Pump Shitshow
Heat Pumps Explained · From Zero to Heat Pump Hero · Bodge Buster
From Zero to Heat Pump Hero and Bodge Buster are rewritten and updated for 2027.
New to heat pumps? Heat Pump Fundamentals course — 50% off with INTRO50.


   
ReplyQuote
JulianC
 JulianC
(@julianc)
Honorable Member Member
Joined: 6 years ago
Posts: 336
15/03/2024 9:48 am  

@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 Volvo EX30 Ultra Twin Performance electric vehicles with Myenergi Zappi mk1 & Ohme chargers


   
ReplyQuote
 Richard24738
(@richard24738)
Estimable Member Member
Joined: 3 years ago
Posts: 104
15/03/2024 11:22 am  

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 Cosy Fixed
10 March 2026 - now 2 x Sigenstor 10 batteries with 8kw Inverter


   
👍
1
ReplyQuote
Page 3 / 8
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