Is your heat pump i...
 
Notifications
Clear all

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

  
  
  
  
  

Is your heat pump insured?

66 Posts
21 Users
39 Reactions
10.6 K Views
Mars
 Mars
(@editor)
Illustrious Member Admin
26271 kWhs
Veteran
Joined: 4 years ago
Posts: 2983
Topic starter  

I want to re-initiate this thread and topic, and ask the new members on the site if their home insurance policies cover their ASHPs? 

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


   
ReplyQuote
(@richard24738)
Estimable Member Member
1033 kWhs
Joined: 12 months ago
Posts: 69
 

Yes my heat pump is insured.

I changed to Ecclesiastical as my previous insurer Policy Expert said they would not cover the heat pump.

In the Ecclesiastical October 2023 changes to the policy, they specifically say that air and ground source heat pumps are included in their definition of the "Building".

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 - Octopus Fixed Rate


   
ReplyQuote
(@lucia)
Honorable Member Member
1646 kWhs
Joined: 9 months ago
Posts: 255
 

I'm just about to renew my policy so when I find a new one I'll check. I don't recall any Buildings policy actually asking about my heating system. 


   
👍
1
ReplyQuote
Mars
 Mars
(@editor)
Illustrious Member Admin
26271 kWhs
Veteran
Joined: 4 years ago
Posts: 2983
Topic starter  

@lucia I wonder if it’ll be included under your home emergency cover.

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


   
ReplyQuote
Abernyte
(@abernyte)
Honorable Member Member
4154 kWhs
Joined: 2 years ago
Posts: 213
 

This years Buildings Insurance offering is with the AA who don't specifically include the heat pump but do define the buildings Fixtures and Fittings as " any central heating equipment, boiler or storage heater", which should cover it if required.

 


   
ReplyQuote
(@lucia)
Honorable Member Member
1646 kWhs
Joined: 9 months ago
Posts: 255
 

@editor I have never had home emergency cover. I am shoe-string productions here. But I doubt Home Emergency covers repairs, without a written reference to a heating system or specifically, a heat pump. 

But I will pay attention when I renew my policy and report back. Buildings cover should automatically cover whatever is installed as a system I would've thought?  

Meanwhile, so far, no one ever asks me about my wood burner either.  🤷🏻‍♀️


   
ReplyQuote



Majordennisbloodnok
(@majordennisbloodnok)
Noble Member Moderator
7259 kWhs
Joined: 3 years ago
Posts: 745
 

We just renewed with Directline and I specifically asked if there was any kind of exclusion or explicit mention of heat pumps. The person I talked to couldn't see anything immediately so offered to investigate and call me back the following day, and the answer when it came was that they do not discriminate between boilers and heat pumps. We're covered heat pump-wise to exactly the same extent as we'd be if we had a gas or oil boiler.

105 m2 bungalow in South East England
Mitsubishi Ecodan 8.5 kW air source heat pump
18 x 360W solar panels
1 x 6 kW GroWatt battery and SPH5000 inverter
1 x Myenergi Zappi
1 x VW ID3
Raised beds for home-grown veg and chickens for eggs

"Semper in excretia; suus solum profundum variat"


   
👍
1
ReplyQuote
(@allyfish)
Noble Member Contributor
4175 kWhs
Joined: 2 years ago
Posts: 477
 

My former home insurer 'More Than' has stopped selling home insurance, my account has very recently been taken over by 'Admiral'. It seems Admiral specifically exclude heat pumps from their 'heating system and boiler' cover. So I either have to accept the risk of theft or accidental/malicious damage to the external monobloc or need to find an alternative home insurer.

Given where I live, and where the ASHP is located, I think the risk is minimal. I've never claimed on a home insurance policy in my life, and find the ever-increasing costs somewhat galling! The Grant Aerona unit has 5 years of a 7 year manufacturer's warranty remaining.

This post was modified 5 months ago by AllyFish

   
👍
1
ReplyQuote
(@benson)
Estimable Member Member
877 kWhs
Joined: 11 months ago
Posts: 75
 

@richard24738 we’re with policy expert as well. They initially said it wasn’t covered. Then I asked what their definition of building (or part of) was, and they asked if it would damage the building, or something attached to it, if the ashp was removed. After I explained further (predominantly the pipework it was attached to), they conceded that it might fit the definition.

Suffice to say when our policy is due for renewal early dec we won’t be renewing with them and this post gives us some useful avenues of enquiry with more progressive insurers.


   
👍
1
ReplyQuote
(@declan90)
Estimable Member Member
717 kWhs
Joined: 2 years ago
Posts: 35
 

@benson @richard24738 was this flagged by directly contacting them? My policy is up for renewal and I was about to renew as I couldn't see any exclusions for ASHP in the policy wording for the buildings cover (emergency cover very much reads as only boilers) 

 

All the other quotes I can find at the moment seem to be astronomical!


   
ReplyQuote
(@benson)
Estimable Member Member
877 kWhs
Joined: 11 months ago
Posts: 75
 

@declan90 yes. I specifically called them to make sure it was covered. Initially a definite no, and then a maybe. Now they’re not offering me insurance anyway following this enquiry (renewal up in a month) so that solves that problem….


   
ReplyQuote
(@declan90)
Estimable Member Member
717 kWhs
Joined: 2 years ago
Posts: 35
 

@benson certainly removes them as an option! Have sent them a carefully worded query so will see what I get back in writing ...


   
👍
1
ReplyQuote



Page 5 / 6
Share:

Join Us!

Heat Pump Dramas?

Thinking about installing a heat pump but unsure where to start? Already have one but it’s not performing as expected? Or are you locked in a frustrating dispute with an installer or manufacturer? We’re here to help.

Pre-Installation Planning
Post-Installation Troubleshooting
Performance Optimisation
✅ Complaint Support (Manufacturer & Installer)

👉 Book a one-to-one consultation now.

Latest Posts

x  Powerful Protection for WordPress, from Shield Security
This Site Is Protected By
Shield Security