A photovoltaic installation as a good can undergo all kinds of damage or flight what explains why it is necessary to make it ensure as well as a building. Moreover, the companies of electricity impose the obligatory subscription of a third-party insurance. Other types of insurances can also cover the installation.
The compulsory insurance: the third-party insurance
The third-party insurance is intended to cover the possible risks which could touch a third person following defects of installation. It can also be a question of a bad use or very other causes which could be caused on a third or an agent of the national electrical communication.
It applies under the terms of the criminal responsibility envisaged by the Civil code to articles 1382 and 1384. That is also valid for the inexecution of its obligations by one of the parts at the end of its contractual liability envisaged by article 1147. It happens sometimes that damage was caused because of the things which one keeps it or quite simply due to the failure of its obligations. This situation then implies the responsibility for its author. This responsibility is supposed since the damage affects thirds, agents of EDF or public or deprived installations.
A photovoltaic installation supports “transport” apart from its property of the possible dangers of this kind of installation when it is attached to the domestic network. Therefore the contract of connection requires the production of the corresponding insurance policy before very possible conclusion. The offer of this kind of product by the establishments of insurance is still weak. But certain signs associated it with the insurance “Multirisk dwelling”.
At the time of subscribing such an insurance, one will endeavor to check however that the cover touches well all types of possible damage caused by this kind of installation. There is also necessary to remain vigilant to see the covered damage which must enter waitings of an autonomous electric producer.
The insurances damage with the goods and trading losses
The insurance damage with the goods of a construction can be wide with the photovoltaic panels. The solar installation forms integral part of the frame what in fact a real estate by destination.
When the owner has such an insurance, it is also necessary to mention in its declaration the presence of the solar panels so that those can profit of the same type of insurance. The insurance thus subscribed allows the replacement or the payment of allowance in the event of fire or broken windows, which function in the same way as the insurance of the house.
The covered damage also takes into account the degradations undergone in the event of bad weather or of vol. refunding is done then according to the outdatedness of the installation or in certain cases of a replacement with nine.
In this kind of situation, several organizations or associations such as the HESPUL can provide a help to find the good insurer. It can propose the insurance loss exploitation which consists in compensating the falls or the stops for energy production of the solar power stations. It is interesting for the large generating stations in order to fill the losses of EDF receipts or in the event of delay of delivery. It covers also the risks of damage undergone by the energy installation. |
