Photovoltaics insurance

Photovoltaic insurance covers unforeseen and sudden damage. It includes repairs to restore your installation to the condition that existed immediately prior to the damage. The following benefits are included:

• Cover for the entire photovoltaic installation, including cables, inverters, monitor system, protective installations, etc.
• Reinstatement value cover of modules for ten years, for batteries in the first year of operation and for all other components for five years
• Loss of income without any deductible in the event of theft, fire* and natural forces* such as landslides, rockfall, hail, high water, avalanche
• Fixed daily compensation in the event of an operational malfunction
• Up to CHF 30,000 for dismantling and reinstallation owing to sudden and unforeseen damage to the roof
• Up to CHF 5,000 for damage to the roof space used by the installation attributable to the photovoltaic installation
  

*Good to know: In some cases you must insure against fire and natural forces via the cantonal buildings insurance. Further information on cover is available directly from your buildings insurance. However, Helvetia goes further in terms of cover and also assumes the cost of damage caused by fire and natural forces, if the building insurance refuses to pay.

Photovoltaic insurance covers the following risks:

• Excess surges, short circuits, induction
• Water and moisture
• Operational errors, unskilled use, negligence, vandalism and sabotage
• Design defects, material defects
• Failure of measuring, control or safety equipment
• Malfunctions due to overly high or low temperatures and resulting damage such as smouldering or singeing
• Animal bites
  

Builder's liability insurance: This insurance covers damage incurred by third parties that arises during assembly of your photovoltaic installation. Typically, this can be damage incurred by a neighbour and their property resulting from the construction activity. These risks are often not covered by your private liability insurance.

Machinery liability: This insurance covers personal injury and property damage resulting from operation of your solar installation. It is recommended in particular if your installation is operated on other people's roofs.

It is suitable for building owners who already use photovoltaic installations or who are planning to install one on their roof. With a photovoltaic installation in particular you should arrange appropriate insurance cover in good time. Helvetia’s photovoltaic insurance offers you comprehensive protection as of the first day. Operators of a PV installation should also take out insurance against third-party liability claims.