What UK homeowners need to know before buying plug-in solar panels

But while they provide a simple, DIY route to lower energy bills and a smaller carbon footprint, insurance experts are advising households not to overlook some important checks before buying and installing one. 

Alex Cross, Chief Customer Officer at Tesco Insurance, said: “We anticipate that many people will be excited about this new plug-in solar panel legislation if it means they might be able to cut their energy bills and reduce their environmental impact. 

“However, as with any new product you plan on using on your home, it’s important to take a few sensible precautions first, from checking the product is properly certified to understanding whether your landlord or building allows it. 

“Taking a few minutes to do this can help households avoid problems further down the line, whether that’s a safety issue or claim that doesn’t go the way they expect.” 

To help households considering a plug-in solar panel, Tesco Insurance have answered some of the most common questions. 

1. Will my home insurance cover a plug-in solar panel?

“Currently, plug-in solar panels typically meet the definition of contents, meaning they would usually be covered under a standard contents insurance policy in the same way as other household items. 

“However, cover can vary between providers, there may be specific conditions or limits and how the item is installed and whether it is permanently fixed may also affect how it is covered, so it’s always worth checking your policy wording, particularly around cover for items kept outside before assuming that your insurer will cover it under your contents policy. 

“Customers should also consider speaking with their insurer before installation, particularly where the panel will be fixed externally, used outside, or kept in a place exposed to theft, storm or accidental damage.” 

2. Does it matter which product I buy?

“Yes, these plug-in solar panels are new to the UK market and you must ensure that you buy a compliant product, as only panels that meet the new government specifications will be permitted for use. We’ve seen uncertified or poor-quality products cause serious safety issues when it comes to other household items, so making these checks before you purchase is one of the simplest ways to reduce this risk. 

“In addition, products with built-in storage batteries currently fall outside the compliant specification, so check exactly what you are buying and make sure it is suitable before using it at home. 

“Some countries with more established markets, such as Germany, require these products to be registered on a government portal, and we may see similar requirements develop in the UK in time.” 

3. Is my home’s wiring compatible?

“Not all houses are set up in the same way, and compatibility with a property’s existing electrical installation is one of the most important things to check. 

“Although these panels are promoted as simple, plug-and-go products, households are still responsible for understanding how to install and maintain them safely, including checking connections and cabling, so it’s worth seeking advice if you’re unsure.” 

4. What if I rent my home or live in a shared building?

“Renters and leaseholders should check with their landlord or freeholder before installing a panel, particularly in multi-occupancy buildings. This is especially important on balconies, where councils and building managers may have specific rules. 

“Once that’s been checked and the necessary approval received, it’s also a good opportunity for renters to review their insurance policy. People who rent often assume they don’t need cover since they don’t own the property, but contents insurance is designed to protect the possessions inside it, from everyday items to bigger purchases. Cover and any limits that apply can vary between providers, so it’s worth checking your policy wording to make sure you’re covered.” 

5. What happens if a panel is stolen?

“As with any item kept outside the home, such as on a balcony or in a garden, plug-in solar panels can be a target for theft. Not all contents policies treat items kept outside in the same way as those kept indoors, so it’s worth checking your level of cover and considering steps to secure the panel.

6. What returns can I realistically expect?

“A typical plug-in solar panel costs around £400, with annual savings estimated at roughly £70 to £110 depending on system size, positioning, shading and household usage. This means it can take several years for a panel to pay for itself, so it’s worth going in with realistic expectations rather than assuming instant savings.” 

Alex added: “The new legislation is a positive step for households looking for new ways to manage energy costs, but a little preparation can go a long way in helping people install and use these products safely.”