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The key is telling your insurer.", "image": "https://alliantenergy.co.uk/assets/home-solar-D_Eyt8mX.jpg", "author": { "@type": "Person", "name": "Alliant Energy Team", "url": "https://alliantenergy.co.uk/about" }, "reviewedBy": { "@type": "Person", "name": "MCS Registered Engineer", "jobTitle": "MCS Registered Engineer" }, "publisher": { "@type": "Organization", "name": "Alliant Energy", "url": "https://alliantenergy.co.uk", "logo": { "@type": "ImageObject", "url": "https://alliantenergy.co.uk/logo.png" } }, "datePublished": "2026-01-15", "dateModified": "2026-05-19" }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Will solar panels affect my ability to remortgage or sell?", "acceptedAnswer": { "@type": "Answer", "text": "Solar panels are generally viewed positively by mortgage lenders and buyers — they add to the EPC rating and reduce energy costs. The exception is spray foam insulation added to rafters, which some lenders flag. Standard panel installations on roof tiles cause no mortgage complications." } }, { "@type": "Question", "name": "What happens if a panel is damaged during installation?", "acceptedAnswer": { "@type": "Answer", "text": "During installation, the installer's own public liability and goods-in-transit insurance covers any damage. Once the system is commissioned and signed off, it becomes your responsibility under your home insurance. We carry full public liability insurance and are HIES members, which provides additional consumer protection." } }, { "@type": "Question", "name": "Do I need separate solar panel insurance?", "acceptedAnswer": { "@type": "Answer", "text": "For most homeowners, extending your existing buildings insurance is sufficient. Specialist solar insurance policies exist and may be worth considering if your system is high-value (£15,000+) or if you want specific cover for income loss from SEG. For typical residential systems, standard home insurance is usually adequate." } } ] } ] --- [![Alliant Energy — Renewable Energy Solutions](/__l5e/assets-v1/3bd22195-cc6e-43e6-b5ff-5a808ce292d3/alliantenergyltd-2.svg)](/) [Home](/)[About](/about-us) [Services](/services) [Guides](/guides)[Case Studies](/case-study)[![Levelise](/__l5e/assets-v1/59fd362e-361a-47d7-ad1f-65e9beeb5289/levelise-logo.webp)](/guides/levelise-hub-explained) [01282 501589](tel:01282501589)[Get a Quote →](/quote) Spoke guide · Insurance # How Solar Panels Affect Your Home Insurance Solar panels do affect your home insurance — but usually not in a negative way. The key is telling your insurer. By **Alliant Energy Team**· reviewed by MCS Registered Engineer Last updated 19 May 2026 [Get a Quote](/quote) [Speak to an Engineer](/request-callback) On this page - [Telling your insurer](#tell) - [What to tell them](#what) - [Will premium go up?](#premium) - [What's covered](#covered) - [Mortgage lenders](#mortgage) - [Why MCS matters](#mcs) - [FAQ](#faq) Ready to act? Free quote in one working day. [Get a Quote →](/quote) Most policies extend to cover panels with little or no premium increase. The risk is not telling them and finding out your claim isn't covered. ## Do you need to tell your insurer about solar panels? Yes — this is not optional. Solar panels are a permanent fixture that change the rebuild cost and material composition of your property. Not disclosing a material change to your home is grounds for an insurer to void your policy or decline a claim. The good news: the vast majority of UK home insurers cover solar panels automatically or with a simple notification, often with no premium increase. Panels installed by an MCS-registered installer are particularly straightforward — insurers recognise the certification as a quality standard. ## What to tell your insurer — and when Notify your insurer before installation, not after. Tell them: - You're having solar panels installed - Approximate number of panels and total system value - Whether you're adding battery storage (and the battery value) - That the installation is by an MCS-registered and NICEIC-approved contractor Most insurers will simply note the change and update your policy. Some may ask for an updated rebuild cost estimate — your installer can usually provide this. ## Will your premium go up? For most homeowners: no, or only marginally. Panels are a well-understood addition at this point, and most insurers have standard provisions for them. Where premiums do increase, it's typically £20–£50/year — a small fraction of the savings solar delivers. If your insurer quotes a significant premium increase, it's worth comparing quotes from other providers. Some insurers (Aviva, Direct Line and others) cover solar panels as standard. Some specialist policies exist specifically for homes with renewable energy systems. ## What's typically covered — and what isn't Item Typically covered? Notes Panels damaged by storm or fire Usually yes Covered under buildings insurance as a fixed structure Panels stolen Usually yes May need to check contents vs. buildings policy Battery storage unit Usually yes Confirm with insurer — some treat as separate high-value item Loss of earnings from SEG Rarely Specialist policies exist; most standard policies don't cover this Inverter failure Not insurance Covered by manufacturer warranty (10 years on Fox ESS) Damage caused by panels to roof Depends Covered if caused by storm event; not if due to poor installation ## Panels and your mortgage lender Some mortgage lenders require notification when making significant changes to a property. Check your mortgage terms — most residential lenders have no issue with solar panels and require only a note rather than approval. If you own a leasehold property, check your lease terms — some require freeholder consent for external installations. ### Get a quote (includes MCS certification) All Alliant installs are MCS-registered — the paperwork insurers want to see. [Get a Quote](/quote) [Speak to an Engineer](/request-callback) ## Why MCS certification matters for insurance An MCS-registered installation provides documentation that the system was designed and installed to recognised standards. If you ever need to make a claim involving your panels, having MCS paperwork — including the installation certificate — makes the process considerably smoother. Insurers are less likely to query a professionally certified installation. Keep your paperwork Keep your MCS installation certificate, your NICEIC completion certificate, and your warranty documents in a safe place. These are the documents an insurer will want to see if you make a claim. ## Frequently asked questions ### Will solar panels affect my ability to remortgage or sell? Solar panels are generally viewed positively by mortgage lenders and buyers — they add to the EPC rating and reduce energy costs. The exception is spray foam insulation added to rafters, which some lenders flag. Standard panel installations on roof tiles cause no mortgage complications. ### What happens if a panel is damaged during installation? During installation, the installer's own public liability and goods-in-transit insurance covers any damage. Once the system is commissioned and signed off, it becomes your responsibility under your home insurance. We carry full public liability insurance and are HIES members, which provides additional consumer protection. ### Do I need separate solar panel insurance? For most homeowners, extending your existing buildings insurance is sufficient. Specialist solar insurance policies exist and may be worth considering if your system is high-value (£15,000+) or if you want specific cover for income loss from SEG. For typical residential systems, standard home insurance is usually adequate. Three ways to get started ## Ready to find out what solar saves you? Get a tailored quote in one working day. No obligation. No hard sell. Speak to a renewable energy engineer — not a salesperson — at a time that suits you. [Get a Quote → ](/quote) [Request a Callback →](/request-callback) [Download Brochure →](/brochure) Accreditations ## Certified, registered, and insured. Every time. MCS certification isn't a box-ticking exercise — it qualifies your system for Smart Export Guarantee payments and government grants. Our installers are also NICEIC-approved and TrustMark-registered, and every install is fully insured. ![Citation ISO Certification: ISO 9001 quality management, ISO 14001 environmental management and ISO 45001 occupational health and safety](/__l5e/assets-v1/180183cd-e6fd-4b0a-984c-83e6a41390d7/accreditations-iso.jpg) ![Alliant Energy — Renewable Energy Solutions](/assets/logo-IFrgP5Dc.png) Renewable energy & energy-saving specialists. MCS-registered solar PV, battery storage, heat pumps and EV charging across the UK. #### Quick Links - [Home](/) - [About Us](/about-us) - [Services](/services) - [Case Studies](/case-study) - [Areas We Cover](/solar-panel-quotes-north-west) - [Contact](/contact) - [Privacy Policy](/privacy) - [Terms & Conditions](/terms) #### Services - [Solar for Homes](/services/solar) - [Commercial Solar](/services/commercial-solar) - [Battery Storage](/services/battery-storage) - [Air Source Heat Pumps](/services/heat-pumps) - [EV Charging](/services/ev-charging) - [Energy Saving Advice](/services/energy-saving-advice) #### Contact - [01282 501589](tel:01282501589) - [info@alliantenergy.co.uk](mailto:info@alliantenergy.co.uk) - Unit 214 Northlight Industries, Pendle Road, Brierfield, Nelson BB9 5FL [Get a Quote](/quote)[Brochure](/brochure) Alliant Energy Ltd is an Introducer Appointed Representative (Financial Services Register No. 1020779) of Phoenix Financial Consultants Limited (Phoenix). Phoenix is a credit broker, not a lender. Phoenix is authorised and regulated by the Financial Conduct Authority (FRN: 539195), and offers finance from its panel of lenders. All finance subject to status and credit checks. © 2026 Alliant Energy Ltd. All rights reserved. [Privacy Policy](/privacy)[Terms & Conditions](/terms) MCS Registered · TrustMark · NICEIC [Chat with AI](/chat) [Call back](/request-callback) [Get a Quote](/quote) [Get a Brochure](/brochure) [Get a Quote](/quote) [Chat with AI](/chat)