Do solar panels affect home insurance?
Solar panels usually have little or no effect on home insurance premiums, and most standard buildings policies cover roof-mounted panels as part of the structure. You should always tell your insurer you have had them fitted, as failing to declare a change can affect a claim. Occasionally a higher rebuild value slightly increases the premium.
What to do when you install solar
- Tell your buildings insurer that panels have been fitted.
- Check the panels are covered for storm, theft and accidental damage.
- Confirm whether a battery is covered or needs noting separately.
- Keep your MCS certificate and installer warranty with your documents.
Why declaring matters
Panels increase the rebuild cost of your roof, so undeclared they could lead to an under-insurance problem at claim time. The premium impact is typically small, and many insurers treat MCS-certified, professionally fitted systems as standard roof fixtures.
Frequently asked questions
- Will solar panels void my home insurance?
- No, provided you declare them. Professionally fitted, MCS-certified panels are covered by most standard buildings policies.
- Do I need separate insurance for a solar battery?
- Often it is covered under buildings or contents insurance, but confirm with your insurer as policies vary.
Related questions
Indicative estimates based on UK average data. Last updated 27 May 2026.