That's it, you have finally finished the work and your photovoltaic installation is in place! After all the efforts you've been asked, it seems necessary to assure your new good. How to do it and what are the compulsory insurance?
If you intend to sell your electricity to your network manager, then your installation is bound to be connected, and the liability insurance is mandatory. You should know that ErDF will ask for a proof of insurance at the connection time. Indeed, it is considered that connecting your installation to a public distribution network, generate chances that you put other actors in danger in case of malfunction. The main risk identified by the network manager is the electrification of a person if the decoupling protection of the inverter does not work. However, this incident is one of the most unlikely risk and can only result from a series of incidents or defects that occurred upstream.
Despite this, some insurers are reluctant to insure photovoltaic panels. Some do not plan to extend the home insurance to a solar installation although it is real estate by destination. Only the built-in photovoltaic system automatically benefits from real estate insurance because it is integrated to the home. In any case, your installation must be declared to your insurer as it constitutes a modification of the contract.
So check the terms of your home insurance; see if it includes civil liability insurance and if it can be extended to your panels. Also be aware of the inclusion / exclusion clauses of insured damages. It is also wise to request a written act from your insurer in which he undertakes to intervene in case of incidents to a third party or an EDF agent due to malfunction of your installation.
ALMA SOLAR COMPREHENSIVE INSURANCE POLICY : "All Risks Insurance"
To further protect your photovoltaic system, ALMA SOLAR has set up an "All Risks Insurance" which protects all photovoltaic equipment for 5 years against all weather hazards, mechanical risks, fires, theft and even air crash. All the equipment is insured when a professional equipped with ALMA SOLAR products, makes his customers benefits our insurance. An individual can also benefit from the moment the installation is certified by an ALMA SOLAR installation. This insurance is free and included in the order.
Insurance against damages that may be caused by bad weather on your installation is in principle covered by your home insurance. However, it may be that it does not cover all damages, that it does not cover theft, or that your insurer refuses to extend it to your solar panels.
In this case you can subscribe to different complementary insurances services:
- Property damage insurance that can also cover theft according to the contracts
- Damages insurance, strongly recommended if your installation is integrated in the building, because it covers the risks related to this integration in addition to the ten year warranty of your installer (if you have one).
- Operating loss insurance (or loss of production insurance): it concerns more specifically installations with high power such as ground-based installations. In case of poor performance of an installation, you can be guaranteed with the refund of the loss of earnings compared to the planned revenue.
All that remains is to contact your insurer to check the services included in your contracts and those he can offer. Despite their reluctance, the democratization of solar panels installation is pushing some insurers to think about new offers. No doubt therefore that you will find the product adapted to your needs and your risks.