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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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Air Source Heat Pumps (ASHPs)
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Toodles
 Toodles
(@toodles)
Illustrious Member Contributor
Joined: 3 years ago
Posts: 1980
14/03/2024 4:58 pm  

@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.


   
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Abernyte
 Abernyte
(@abernyte)
Honorable Member Member
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Posts: 234
14/03/2024 5:22 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!

 

 

This post was modified 1 year ago by Abernyte

   
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Mars
 Mars
(@editor)
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Joined: 4 years ago
Posts: 3315
Topic starter 14/03/2024 11:02 pm  

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

Buy Bodge Buster – Homeowner Air Source Heat Pump Installation Guide: https://amzn.to/3NVndlU
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 Richard24738
(@richard24738)
Estimable Member Member
Joined: 1 year ago
Posts: 86
15/03/2024 9:55 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 Fixed Rate


   
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Abernyte
 Abernyte
(@abernyte)
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Joined: 3 years ago
Posts: 234
15/03/2024 10:09 am  

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


   
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Toodles
 Toodles
(@toodles)
Illustrious Member Contributor
Joined: 3 years ago
Posts: 1980
15/03/2024 10:20 am  

@abernyte … and outside pipework come to that!

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


   
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JulianC
 JulianC
(@julianc)
Noble Member Member
Joined: 4 years ago
Posts: 321
15/03/2024 10:22 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 new Hyundai Ioniq 5 N electric vehicles with Myenergi Zappi mk1 charger


   
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Toodles
 Toodles
(@toodles)
Illustrious Member Contributor
Joined: 3 years ago
Posts: 1980
15/03/2024 10:31 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, he heats his home with cold draughts and cooks his food with magnets.


   
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JulianC
 JulianC
(@julianc)
Noble Member Member
Joined: 4 years ago
Posts: 321
15/03/2024 10:32 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 new Hyundai Ioniq 5 N electric vehicles with Myenergi Zappi mk1 charger


   
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Mars
 Mars
(@editor)
Illustrious Member Admin
Joined: 4 years ago
Posts: 3315
Topic starter 15/03/2024 10:33 am  

@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

Subscribe and follow our Homeowners’ Q&A heat pump podcast


   
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JulianC
 JulianC
(@julianc)
Noble Member Member
Joined: 4 years ago
Posts: 321
15/03/2024 10:48 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 new Hyundai Ioniq 5 N electric vehicles with Myenergi Zappi mk1 charger


   
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 Richard24738
(@richard24738)
Estimable Member Member
Joined: 1 year ago
Posts: 86
15/03/2024 12:22 pm  

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


   
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