Sunset over a photovoltaic system with solar panels on a roof

Our reliable protection for your sustainable energy investmentPhotovoltaic insurance

Photovoltaic insurance from MRH Trowe offers you customised insurance cover for your solar system. A large number of possible losses are covered, for example due to:

  • Weather influences such as storms or hail
  • Animal browsing, especially by martens
  • Theft or vandalism
  • Technical defects or operator error

The aim is to provide comprehensive financial protection for your investment – both during operation and in the event of failures.

Important to know:

In many cases, normal building insurance does not adequately cover damage to PV systems. In particular, the loss of income, for example in the event of a standstill or a reduction in performance of the system as a result of insured loss, is usually not included in traditional policies.

Independent photovoltaic insurance is therefore a sensible addition to reliably protect the system and your economic interests.

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Insured risks

Photovoltaic insurance covers all unforeseen damage that can affect your system from outside. These include, for example:

  • Operator error, negligence, clumsiness or sabotage
  • Damage caused by electrical energy (if visible without aids)
  • External mechanical influences
  • Moisture, water or other liquids
  • Natural events such as storms, hail, frost, floods, avalanches, rockfall, landslides
  • Fire, lightning strike, explosion
  • Charring, scorching, smoke or soot emission
  • Theft, burglary, robbery and vandalism
  • Glass breakage

The insurance also covers the loss of income caused by a standstill or reduced output of the photovoltaic system as a result of insured loss.

The following are excluded from the insurance cover, for example:

  • Damage due to normal wear and tear
  • Warranty cases
  • Damage wilfully caused by the policyholder
  • Damage as a result of war or warlike events
Insured components
  • Solar modules
  • Module frames
  • Inverters
  • Generation and feed-in meters
  • Overvoltage protection
  • Charge regulators
  • Cabling on the company premises (DC and AC)
  • Cable ducts and other roof penetrations

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