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

Yes, we have full cover

Yes, we have partial cover

No, there is an exclusion in my policy

We had the option to insure our heat pump, but opted out

Is your heat pump insured?

Mars · 2022-12-07T15:57:22Z

Just curious to see if anyone has their heat pump insured as part of their home insurance policy. We have an exclusion in our home insurance policy that clearly states heat pumps are not covered. We have full boiler coverage in the policy (in the event of damage or emergency repairs), but it categorically states that heat pumps are excluded under the policy. When I contacted the insurance company, they don't allow additional payments to get the heat pump insured. It's a blanket exclusion.

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Air Source Heat Pumps (ASHPs)

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benson

(@benson)

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Joined: 2 years ago

Posts: 208

05/11/2024 7:37 pm

@declan90 I tried that after the phone call and they didn't reply.

LV do actually specify in their T+Cs that ASHPs are covered as part of the building, so that it likely who we are going with. A bit more expensive (£80) but policy expert not worth the aggro for us.

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Lucia

(@lucia)

Prominent Member Member

Joined: 1 year ago

Posts: 332

13/11/2024 7:43 pm

Yes! It turns it is. Tesco insurance.

They only issue was a (gentle) slap on the wrist for not telling them about the work when the installers were here. Also I may have under valued it because I was not prepped up for them to give me 'of course', as an answer.

Lemonade also responded to my query about ASHPs and said yes and it is covered for storm damage if the wind is 55mph or above. (This was my super cheap plan B if Tesco said no).

To be clear, this is Buildings insurance. I never get cover for Home Emergency - for the ASHP I'd call Octopus or whoever I was covered with - for the rest I don't think it is worth the money.

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Jancold

(@jancold)

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Joined: 3 years ago

Posts: 147

13/11/2024 9:51 pm

@lucia I'm with Tesco Insurance as well! you mean I should have told them about my chimney stack removal, oops. 🤣 I had better tell them about the heat pump installation!

Daikin 6Kw ASHP.
MG4 EV
1926 Semi with loft and wall cavity insulation, all radiator.

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KevinPotts

(@kevinpotts)

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Joined: 11 months ago

Posts: 9

27/12/2024 5:31 pm

Having an ASHP installed and already got solar & battery storage.

Struggling to find a Home building insurer who will accept these upgrades and provide insurance cover. Any suggestions ?

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benson

(@benson)

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Posts: 208

28/12/2024 1:23 pm

@kevinpotts as above. We've gone for LV who specify inclusion of ASHPs in their buildings cover.

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KevinPotts

(@kevinpotts)

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Joined: 11 months ago

Posts: 9

28/12/2024 1:26 pm

@benson thank you for the signpost!

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Mars

(@editor)

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Joined: 5 years ago

Posts: 3678

Topic starter 05/05/2025 8:18 pm

Our home insurance is up for renewal, and I’m checking to see if anyone has found insurers that explicitly cover heat pumps as part of the primary heating system.

Some providers in the past have hinted at coverage under optional home emergency add-ons, but policy wording can be vague. Has anyone:

Successfully claimed for a heat pump breakdown?
Found insurers that fully cover repairs/replacement (not just emergency fixes)?
Been denied coverage due to maintenance requirements or system age?

Also curious if Admiral, Aviva or Saga have updated their policies… historically, they’ve excluded them.

Get a copy of The Ultimate Guide to Heat Pumps

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

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Mars

(@editor)

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Joined: 5 years ago

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Topic starter 05/05/2025 8:22 pm

Posted by: @richard24738

↑

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

How has your experience been with Ecclesiastical?

Get a copy of The Ultimate Guide to Heat Pumps

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

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KevinPotts

(@kevinpotts)

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Joined: 11 months ago

Posts: 9

05/05/2025 9:14 pm

@editor Mars, my insurer AVIVA covers my HP, solar and battery storage for the regular perils under my building insurance. In terms of additional breakdown cover, I found this article helpful.

This post was modified 6 months ago 2 times by Mars

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Mars

(@editor)

Illustrious Member Admin

Joined: 5 years ago

Posts: 3678

Topic starter 05/05/2025 9:22 pm

@kevinpotts thanks for that. I’ll add them to my list of companies to check out this week. Just saw my Tesco premium is half the price of my current Lloyds insurance. I find these exercises so draining!

Get a copy of The Ultimate Guide to Heat Pumps

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

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Richard24738

(@richard24738)

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Joined: 2 years ago

Posts: 92

05/05/2025 9:44 pm

@editor My experience with Ecclesiastical so far has been good.

I had a leak in a garden shed which unfortunatelly shorted my battery mower and it was unrepairable.

In conversation I mentioned it to a followup sales person who immediately put me through to claims. They asked for the details and the cost of the replacement mower and within a few days I received a cheque. No messing about filling in forms, proof of payment etc, all done over a short telephone conversation.

Now I know this isn't a heat pump claim but it did give me a good indication of how they would behave so, yes they are expensive, but it looks like you really do get what you pay for.

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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Mars

(@editor)

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