Financial expert warns: Only 33 of 80 photovoltaic insurance policies offer sufficient minimum protection - costs and options at a glance

Financial expert warns: Only 33 of 80 photovoltaic insurance policies offer sufficient minimum protection - costs and options at a glance

According to a report by www.nnz-online.de, Stiftung Warentest found only 33 of the 80 tariffs for photovoltaic systems examined that offer the minimum protection. Comprehensive insurance costs an additional 35 euros per year, while separate PV insurance is available from 65 euros.

According to the Stiftung Warentest test, it makes sense to comprehensively insure photovoltaic systems as they represent significant financial investments and can cause high repair costs due to damage. The test results show that the additional modules for the existing home insurance are cheaper than separate insurance for the solar system. The costs for additional modules are in the range of 35 euros, while a separate PV insurance with financial test minimum protection costs 65 to 107 euros annually.

The additional protection provided by separate photovoltaic insurance covers risks such as theft, operating and construction errors, loss of yield and damage caused by animal bites. In this context, the insurance expert from Stiftung Warentest advises integrating the protection of the PV system into the residential building insurance in order to avoid possible conflicts when dealing with claims.

Overall, the test shows that choosing the right insurance for photovoltaic systems is very important in order to minimize possible financial risks and ensure adequate protection.

The results of the test and the recommendations of Stiftung Warentest show the need for private individuals to obtain comprehensive information about the insurance options for photovoltaic systems. This is crucial to obtaining the best possible coverage and minimizing potential financial risks.