Rebuild value
- Not the market value
- Not the WOZ value (the Dutch property valuation)
- Guarantee against underinsurance
Buildings insurance (opstalverzekering) with solar panels
Solar panels turn your roof into an electrical installation: the rebuild value rises and a source of fire is added that was not there before.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
With a house, the panels, optimisers, cabling and inverter are usually regarded as part of the buildings. That means they are included in the sum insured, and that the sum therefore has to be adjusted. Panels installed after you last gave details are not automatically insured.
The second point is the fire risk. The weak spots are rarely in the panel itself, but on the direct current side: connectors that have not been pushed home properly, cables running over a sharp roof edge and an inverter mounted in a warm place. A fire that starts there starts under the roof covering.
The third point is liability: if a panel blows off, that is damage to someone else's property.
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We compare your buildings insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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What does buildings insurance with solar panels cover?
The structure of the cover in three parts, with an overview per situation below.
What is included
Everything permanently attached to the building.
- Building and installations
- Outbuildings
- Boundary fences
Extensions
What is excluded as standard.
- Glass
- Garden landscaping
- Inherent defect and foundations
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Fire, smoke and lightning strike | Yes | Yes |
| Storm from force 7 upwards | Yes | Yes |
| Water damage from a burst pipe | Yes | Yes |
| Glass breakage | Sometimes | Yes |
| Groundwater coming through the floor | No | No |
| Wear and deferred maintenance | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Adjusted rebuild value. The installation raises the sum that forms the basis for the premium.
- Position of the panels. A pitched roof, a flat roof on ballast or a frame in the garden differ in risk.
- Roof covering underneath. Thatch, bitumen or tiles determine what a fire on the roof does.
- Certification of the installer. An accredited firm with a completion report counts in the underwriting.
- Periodic inspection. A valid inspection report is often a condition for larger installations.
- Size of the installation. More panels means more connections and a longer direct current cable.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Report them and adjust the sum insured
Tell your insurer that panels have been installed, how many there are and whether they are on the roof, on a shed or on a frame in the garden. Article 7:928 of the Dutch Civil Code requires you to provide the information requested correctly. If the risk changes afterwards, report it again. Keep the quotation, the invoice and the completion documents, so that the size of the installation is established when you claim.
The installation has to be demonstrably sound
Have the panels installed by an accredited installer and keep the certificate and the completion report. After a roof fire, an investigator looks at the connections, the cable trays and the position of the inverter. If the installation turns out to be unsound, not only the installation but possibly the whole roof claim falls outside the cover. For larger installations, insurers require a periodic inspection under a recognised inspection scheme.
Storm, hail and panels coming loose
Panels on a flat roof often stand on ballast rather than on fixings drilled through. That arrangement is sensitive to wind. If a panel blows off and damages a car or the neighbours' roof, you are liable as the owner of the structure under Article 6:174 of the Dutch Civil Code. Check the fixings after a severe storm and have the roof penetrations checked for leaks.
What the buildings policy does not pay for
Lost output and lost feed-in payments are not physical damage and are not paid for. The same applies to loss of yield through ageing, to a panel or inverter failing through a manufacturing fault and to damage during installation. If the panels are on your roof but owned by a third party, that party insures them itself. In that case record in writing who is responsible for what.
Frequently asked questions
This is what people ask us most.
Do I have to insure solar panels separately?
Usually not: on your own home, panels count as part of the buildings and are included under that policy. You do have to report them and have the sum insured adjusted, otherwise the installation is an undeclared value. If the panels are on a frame in the garden or on an outbuilding, ask expressly whether that arrangement falls under the cover.
Is the electricity output I lose covered?
No. Buildings insurance pays for physical damage to the building and the installation, not for the income or the saving you lose as a result. If the installation is out of action while awaiting repair, you bear that loss yourself. For commercial installations there are separate business interruption solutions. For a home that is not usual.
Who is liable if a panel blows off my roof?
As the owner of the structure you are liable for damage caused by a defect in the building. That follows from Article 6:174 of the Dutch Civil Code. Where the mounting was unsound, you can hold the installer liable under Article 6:162 DCC. In reality, the damage to the other party goes through your liability insurance, not through your buildings policy.
Do solar panels change my premium?
The sum insured goes up because the rebuild value rises, and that feeds through into the premium. Insurers also weigh the extra fire risk differently: one sets requirements for certification or inspection, another reflects it in the policy conditions. So do not have only the premium compared but also the clauses that go with the installation.
Every situation is different. For these situations we have a separate page.
- Compare buildings insurance (opstalverzekering)The main page
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- Buildings insurance (opstalverzekering) for petrol stationsFuel storage, environment, explosion risk
- Buildings insurance (opstalverzekering) for sports hallsLarge volume, visitors, installations
- Buildings insurance (opstalverzekering) for day nurseriesYoung children, evacuation, supervision
- Buildings insurance (opstalverzekering) for schoolsPupils, fire safety, vacancy
- Solar panels and your buildings insurance (opstalverzekering)Duty to report, roof fires, loss of output
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.