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?
Get a copy of The Ultimate Guide to Heat Pumps
Subscribe and follow our Homeowners’ Q&A heat pump podcast
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 - Mel-Pump app - Octopus Fixed Rate
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.
@lucia I wonder if it’ll be included under your home emergency cover.
Get a copy of The Ultimate Guide to Heat Pumps
Subscribe and follow our Homeowners’ Q&A heat pump podcast
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.
@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. 🤷🏻♀️
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; sumus solum profundum variat"
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.
@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.
@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!
@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….
- 26 Forums
- 2,233 Topics
- 49.7 K Posts
- 144 Online
- 5,898 Members
Join Us!
Podcast Picks
Latest Posts
-
RE: Effect of Mitsu PAR WT60 Wireless Controller
@davidalgarve I was wondering how your home performs (l...
By SUNandAIR , 7 minutes ago
-
I had an EV car for a few years and an EV charger for a...
By Batpred , 19 minutes ago
-
I’m frankly amazed you think anything I have posted on ...
By Majordennisbloodnok , 28 minutes ago
-
I may have found the problem. There is a valve on the r...
By bontwoody , 2 hours ago
-
RE: Master & Slave Zones/Setback
Why do you have 2 pumps and 2 controllers in the first ...
By JamesPa , 3 hours ago
-
RE: Replacing knackered oil boiler with Samsung ASHP - Perthshire
Thanks for your full reply @mike-h. It certainly cleare...
By DowallyDrifter , 3 hours ago
-
RE: Daikin Octopus installation update - I saw my first defrost. 😍😂
I don't seem to have a mixer valve. Just pressure regul...
By Jancold , 4 hours ago
-
RE: New Fogstar 15.5kWh upright solution
😁Yes, the 90Amps capacity in total in an 8k inv...
By Batpred , 5 hours ago
-
RE: Question about Heating Pump Operation mode – Ecodan FTC6 v20.06
Thanks, I have à split model so there is no water circu...
By Johj45 , 19 hours ago
-
RE: Say hello and introduce yourself
This discussion has gone quite deep for our Hello &...
By Transparent , 19 hours ago
-
RE: Midea ASHP – how to set weather compensation
@pash44pump - it sounds as though you are close to havi...
By cathodeRay , 20 hours ago
-
Let's see if we can tempt @glyn-h to give his insights....
By Mars , 22 hours ago
-
RE: What crazy nonsense are inverter limits and why are they imposed?
Let's first note what those parameters are. They are ...
By Transparent , 1 day ago
-
I’ve met the Flexi-Orb team, and they come across as ge...
By Mars , 1 day ago
-
Webinar on "Heat Pumps for Home Owners" Thursday 20...
By Mars , 1 day ago
-
RE: Help me keep the faith with my air source heat pump installation
@grantmethestrength also i need to check the other stra...
By AdamK , 1 day ago
-
RE: Should Our Water Circulation Pump Be Configured to Run All The Time?
This is how Daikin run their heat pumps. Weather Comp...
By RadWhisperer , 1 day ago
-
Solis S6-EH1P8K-L-PLUS – Why I Chose It and What I’ve Learned So Far
I ended up with a Solis S6-EH1P8K-L-PLUS (8 kW) hybrid ...
By Batpred , 2 days ago
-
RE: Options on flushing my system
@grantmethestrength with your pragmatic approach and &#...
By SUNandAIR , 2 days ago