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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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Mars
 Mars
(@editor)
Illustrious Member Admin
Joined: 5 years ago
Posts: 3849
Topic starter 22/10/2024 8:06 pm  

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? 


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 Richard24738
(@richard24738)
Reputable Member Member
Joined: 2 years ago
Posts: 98
22/10/2024 8:35 pm  

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 Cosy Fixed


   
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 Lucia
(@lucia)
Prominent Member Member
Joined: 2 years ago
Posts: 354
22/10/2024 8:54 pm  

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. 



   
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Mars
 Mars
(@editor)
Illustrious Member Admin
Joined: 5 years ago
Posts: 3849
Topic starter 22/10/2024 9:14 pm  

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


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Abernyte
 Abernyte
(@abernyte)
Honorable Member Member
Joined: 3 years ago
Posts: 249
23/10/2024 8:28 am  

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.

 



   
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 Lucia
(@lucia)
Prominent Member Member
Joined: 2 years ago
Posts: 354
23/10/2024 8:57 am  

@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.  🤷🏻‍♀️



   
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Majordennisbloodnok
 Majordennisbloodnok
(@majordennisbloodnok)
Famed Member Moderator
Joined: 4 years ago
Posts: 1286
23/10/2024 9:02 am  

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"


   
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 AllyFish
(@allyfish)
Noble Member Contributor
Joined: 3 years ago
Posts: 518
23/10/2024 9:54 am  

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 1 year ago by AllyFish

   
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 benson
(@benson)
Honorable Member Member
Joined: 2 years ago
Posts: 239
24/10/2024 6:11 am  

@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.



   
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 Declan90
(@declan90)
Estimable Member Member
Joined: 2 years ago
Posts: 39
03/11/2024 5:03 pm  

@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!



   
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 benson
(@benson)
Honorable Member Member
Joined: 2 years ago
Posts: 239
03/11/2024 5:22 pm  

@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….



   
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 Declan90
(@declan90)
Estimable Member Member
Joined: 2 years ago
Posts: 39
03/11/2024 5:46 pm  

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



   
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