Photovoltaic systems serve to generate environmentally-friendly power and are also very durable. Helvetia enables you to protect your investment in the environment with a comprehensive insurance policy.
Included in the cover is the entire photovoltaic system including cabling and inverter. The insurance covers unforeseen damages that occur suddenly (including loss of income), particularly as a consequence of:
Fire, smoke, lightning, explosion
Risks from fire and natural forces can be excluded where these are already covered as a compulsory element of the buildings insurance.
Burglary, theft, robbery
Outages resulting from insured operating risks or those relating to fire, natural forces and theft.
In addition, the photovoltaics insurance covers the disassembly and reassembly costs of your photovoltaic system as a result of sudden and unforeseen damage occurring to the roof.
Also insured are damages to the area used by the system resulting from the operation or maintenance of the photovoltaic system.
The system liability can also be insured. This supplementary cover insures against property damage and bodily injury involving third parties. This is recommended primarily for systems on roofs belonging to other people.
During the assembly period, there may be risks to persons and property near to the building activity, and the property owner is liable for these according to article 679 of the CC. Often these risks are not covered in the property owner’s private liability insurance during the construction and assembly period. With builder’s liability insurance, you can protect yourself from the financial consequences of such damages.
Solar cells directly convert light energy, generally from the sun, into electrical energy, without any waste products, noise or exhaust fumes. The technology is called ‘photovoltaics’. Using photovoltaic systems to harness emission-free solar energy is an extremely environmentally friendly mode of renewable energy generation.
Photovoltaic system technology has steadily evolved over the past few years, and is now considered very mature. Nonetheless, the systems are exposed to some operational hazards. Protect your investment in the environment with Helvetia photovoltaic insurance.
This unique insurance policy offering outstanding value for the money is available directly from us and from select partners who are among Switzerland’s leading providers in terms of experience, expertise and quality in the field of solar energy.
Two inverters fail in a system as a result of defective circuit boards and cannot be supplied immediately by the manufacturer.
Claim amount CHF 8,000
Unknown vandals throw stones at a photovoltaic system and destroy several modules in the process. The perpetrators could not be apprehended nor identified subsequently.
Claim amount CHF 4,600
Martens maul the wiring and bite through the inverter cabling.
Claim amount CHF 6,800
A flat roof that was renovated two years ago is suddenly and unforeseeably leaking. In order to repair it, the system has to be dismantled and the damage located and rectified.
Claim amount CHF 10,200
Sometimes the risks from fire and natural forces can/must be insured by the relevant cantonal buildings insurance. You will need to enquire about this directly with the buildings insurance providers. The Helvetia photovoltaics insurance provides much greater cover though. With our solution, operating risks, theft risk, loss of use and disassembly and reassembly in the event of roof damage are insured in addition. What’s more, we also pay out for covered events involving fire and natural forces where the buildings insurance rejects the damages.