Plug-in solar and home insurance

It is generally worth telling your home insurer about any solar equipment, even a small, removable system. Insurance policies usually ask you to disclose material changes to your home and its contents, and being open helps keep your cover valid if you ever need to claim. This guide explains why disclosure matters and what an insurer may ask. It is general guidance, not financial advice.

Insurance is also separate from the legal position. In the UK, plug-in solar cannot currently be legally sold, supplied or used, and telling your insurer about a system does not change that. We cover the detail on the UK legal status page.

Why tell your insurer?

Home insurance is built around the information you give when you take out or renew a policy. If something changes — including adding solar equipment — your insurer generally expects to be told, so they can confirm whether it is covered and on what terms. Disclosing it up front is the straightforward way to avoid problems later.

What they may ask

An insurer might want to know what the equipment is, how it is installed or mounted, whether any fixed electrical work is involved, its value, and where it is kept when not in use. Having the manufacturer's details and any installation or purchase paperwork to hand makes the conversation easier.

How non-disclosure can affect a claim

If relevant information is not shared, it can affect a claim. An insurer may reduce a payout, decline it, or treat the cover as invalid where something material was not disclosed. Because the cost of being open is usually small, it is generally safer to mention solar equipment and let the insurer decide whether it matters.