1. Solar PV Insurances

We have several Solar PV Insurances. Depending on the type of Solar PV Insurance the insurance consists of the next components:

• All Risk
  With this insurance all damages caused by external forces are covered. Among others:
  • Fire, theft and vandalism
  • Water damage, hail damage and snowpresure
  • Lightning strike
  • Animal bite
  • Inherent defect
  • Repair costs (labour and call-out-changes)
• Loss of production
  • With this insurance loss of production caused by external forces or inherent defects is covered
    Loss of production is really intended for cases where spare parts are not in stock or where delivery times are long
  • From April untill October the compensation is EUR 2.00 per KiloWattpeak (kWp) per day. Outside these months the compensation is EUR 1.00 per kWp per day
  • Payment starts after 7 days downtime with a maximum payment period of 26 weeks
• Terms and conditions
  • Premium will be calculated based on the total invoice value of the installation including costs of installation and VAT if the latter can not be settled by the applicant
  • No depreciation
  • Claims due to terrorism , war, nuclear reactions, earthquake, volcanic eruption and flood are excluded
  • Typhoon, hurricane and tornado are also excluded
  • Premiums are to be paid annually
  • The installation can be insured for a maximum period of 25 years
• Liability
  Businesses must always have liability insurance. There are two types of liability.
  
  • Product liability
    As a manufacturer, you always carry the final responsibility if your product causes damage to third parties
  • Company liability
    You are liable for any damage to third parties caused during the execution of your business. One example of this is that you will be held liable if panels are blown away and fall on someone’s head
• Inherent defect / Warranty
  • The certified modules can be insured for the maximum period of 20 years and the inverters for a maximum period of 7.5 years against inherent defect
  • During the manufacturer’s warranty period the manufacturer pays the for new material. The insurance pays labour, transport costs and production loss
  • If the manufacturer is bankrupted the insurance pays the costs of labour, material, transport and production loss
  • The insurance remains even after the manufacturer is bankrupt
  • Option on top of the all-risk policy
  • Project based
  • The additional premium will be 0,05 % over the initial investment (EPC price) per year
  • Bankable all over the world except India

Der Versicherte muss eine dieser beiden Arten von Haftplichtversicherung vorweisen:

1. Produktehaftpficht
   Ein Hersteller trägt immer die Verantwortung wenn das Produkt einen Drittschaden verursacht.
2. Betriebshaftpflicht
   Ein Unternehmen trägt immer die Haftung für Drittschäden bei der Ausübung des jeweiligen Geschäftes. Beispiel: Das Unternehmen trägt die volle Haftung, wenn Module vom Wind erfasst werden und Personen verletzen.

1. SolarIF zertifizierte Module können auf maximal 20 Jahre gegen bauartbedingte Mängel versichert werden. Wechselrichter auf maximal 7,5 Jahre
2. Während der laufenden Herstellergarantiezeit hat der Modulhersteller für das Ersatzmaterial zu sorgen. Die Versicherung bezahlt die Kosten für Arbeit, Transport und Produktionsausfall
3. Ist der Modulhersteller bankrott, kommt die Versicherung für die Kosten von Material, Arbeit, Transport und Produktionsausfall auf
4. Die Versicherung bleibt selbst bei bankrott des Modulherstellers gültig
5. Option on top of the all-risk policy
6. Projektspezifische Absicherung
7. Bankfähig in der ganzen Welt (ausser Indien)

Hier erhalten Investoren und Besitzer von grossen Anlagen mehr Informationen zum Thema Solarversicherungen.