Your heat pump optimally insured
Comprehensive protection for your heat pump: Safeguard your investment against unforeseen damage and high repair costs. With nextsure, your digital partner for niche insurance.
Fast Online Completion
Comprehensive Damage Coverage
Fair & transparent conditions
Why a Heat Pump Insurance is Essential
Protect high investment costs
Protect against incalculable risks
Ensure long-term functionality
Worry-free and efficient heating
The most common heat pump damages and how to protect yourself
Heat pumps are a forward-thinking investment in sustainable heating solutions. Despite their durability, they are exposed to various risks that can lead to costly breakdowns. The most common causes of damage include technical defects such as electronic malfunctions, compressor damage, or leaks in the refrigerant circuit. External factors like natural hazards (storms, hail, lightning, floods) also pose a significant threat, especially to outdoor units. Human error, mishaps, or even vandalism and theft can also result in substantial damage. A specialised heat pump insurance from nextsure offers you comprehensive protection against the financial consequences of these events and preserves the value of your system. It is the ideal complement to existing building or household insurance policies, which often provide inadequate coverage for the specific risks associated with heat pumps.
OUR PROMISE
Your Heat Pump Protection in Detail
Technology Protection
Protection against technical defects and material faults in your system.
Natural Hazards
Comprehensive protection against storms, hail, lightning, and flooding.
Theft protection
Insurance coverage for burglary, robbery, and simple theft of external devices.
Operational error
Coverage for damages caused by mishandling or everyday clumsiness.
Vandalism
Protection against intentional damage to your heat pump by third parties.
Consequential damage
Covering immediate consequential damage to the insured object.
Repair costs
Coverage of the necessary costs for repair or restoration.
New Value Insurance
Replacement of the new value in case of total loss for many installations.
Online Service
Quick processing and contract management is completely digital through our portal.
Tailored services for your safety and comfort, managed transparently and digitally.
Secure your investment
Calculate heat pump insurance now!
Scope of coverage explained: What does a good heat pump insurance cover?
A high-quality heat pump insurance is distinguished by comprehensive coverage that reliably supports you in the event of damage. nextsure places importance on transparent conditions and first-class services. At its core, our protection includes the coverage of repair costs, including labour and spare parts costs. If a repair is not economical, we cover the costs for an equivalent replacement system, usually at the new value. Insured are damages due to technical defects (e.g. material, construction, execution errors), short circuit and overvoltage. Damages from natural hazards such as storms, hail, lightning, and flooding are also covered. Furthermore, damages due to operator errors, clumsiness, vandalism, and theft (including parts of the system) are often included in the coverage. Depending on the tariff, consequential damages or additional costs for dismantling and assembly may also be covered. Detailed information can be found in the insurance conditions or through personal consultation with our experts.
Cost factors: What influences the premium of your heat pump insurance?
The cost of heat pump insurance is influenced by various factors, which means your premium is calculated individually. A significant factor is the type and purchase value of your heat pump; more powerful and expensive models tend to have higher premiums. The age of the system can also play a role. The chosen scope of coverage is crucial as well: tariffs with more comprehensive cover and fewer exclusions are naturally somewhat more expensive. An optional deductible in the event of a claim can reduce your premium – the higher the deductible, the lower the premium. Location factors, such as the risk assessment for natural hazards in your region, can also be factored into the calculation. At nextsure, you benefit from transparent premium design and the ability to digitally tailor your coverage to your needs.
Heat Pump Insurance vs. Home Building Insurance: The Differences
Many homeowners wonder whether their heat pump is already covered by their residential building insurance. Generally, heat pumps can be included as fixed parts of the building in the homeowner's insurance, but often only against classic risks such as fire, tap water, storm, and hail. Specific risks to the heat pump, such as internal technical defects, electronic damage, user errors, or damage from power surges, are often not or insufficiently covered. A dedicated heat pump insurance policy fills this gap and offers specialized protection tailored to the technical characteristics and typical damage patterns of these systems. For example, it also secures the compressor, control electronics, or refrigeration circuit against unexpected failures. nextsure therefore recommends reviewing existing coverage and, if necessary, supplementing it with a bespoke heat pump policy.
Damage case: How to properly report damage to your heat pump
In the event of damage to your heat pump, it is important to act quickly and correctly to ensure smooth processing through nextsure. Document the damage immediately, ideally with photos or videos. Record the date, time, and circumstances of the damage occurrence. Take immediate measures to mitigate the damage, if it can be done safely (e.g. switch off the system if a technical defect is suspected). Report the damage promptly online through our digital customer portal or by calling our service hotline. Have your contract number and details of the damage ready. We will then inform you of the next steps, such as commissioning a specialist company for inspection and repair. Keep all relevant receipts and invoices carefully. Our goal is a fast and uncomplicated resolution, so your heat pump is back in perfect working order soon.
Digital & Fast
Graduation in minutes online
Comprehensive & Fair
Top performance range, transparent costs
Niche experts
Specialised in heat pumps
Tips for Choosing the Right Heat Pump Insurance for Your Needs
Selecting the right heat pump insurance requires a careful assessment of your individual needs and the tariffs offered. First, pay attention to the scope of coverage: Are all risks relevant to you, such as technical defects, natural hazards, operating errors, and theft, covered? Check the compensation limits and whether new-for-old cover is provided in the event of a total loss. The amount of the deductible is another important factor – choose an amount you can comfortably cover yourself in the event of a claim. Compare not just the price, but also the detailed service descriptions and exclusions in the insurance policy terms (GCI). Learn about the provider's service quality, such as their availability in the event of a claim and digital contract management. At nextsure, you’ll find transparent tariffs and expert advice to configure the optimal protection for your heat pump – simply and digitally.
Prevention: How to Prevent Damage to Your Heat Pump
Alongside good insurance coverage, you can actively contribute to minimizing the risk of damage to your heat pump. Regular, professional maintenance in accordance with the manufacturer's specifications is essential. This includes checking filters, pressures, and electrical components. Ensure correct installation by a qualified specialist company. Provide adequate protection for the outdoor unit against mechanical damage, such as falling branches or collision damage. For systems in flood-prone areas, preventive structural measures are advisable. A surge protection device in the home electrical system can prevent costly electronic damage from lightning strikes or power fluctuations. Familiarize yourself with the correct operation of your system to avoid incorrect settings. By taking these preventive measures, you increase the lifespan and efficiency of your heat pump and reduce the risk of damage.
Future-proof heating: The role of insurance in the era of renewable energies
Heat pumps are a central component of the energy transition, enabling environmentally friendly heating and cooling. As this technology becomes more widespread, the importance of adequate insurance coverage also increases. Investments in renewable energy are often substantial, and unforeseen damage can quickly become a financial burden. A specialized heat pump insurance offers the necessary security and predictability. It not only protects your private investment but also helps promote the acceptance and dissemination of environmentally friendly heating systems. Nextsure sees itself as a partner in the energy transition by offering digital and tailored insurance solutions for modern technologies like heat pumps. This way, you can enjoy the benefits of your sustainable heating solution with peace of mind, knowing you are optimally protected.
Is a heat pump insurance also sensible for older systems?
With nextsure, you benefit from a fully digital insurance experience that saves you time and effort. You can conveniently complete the purchase of your heat pump insurance online from the comfort of your home in just a few steps. Our intuitive tariff calculator guides you through the process and enables you to tailor the insurance coverage to your individual needs. All contract documents are provided digitally, and you can access them at any time through our secure customer portal. Claims can also be submitted easily online, allowing for swift processing. As a specialist in niche insurance, we offer you expert advice and transparent products that are specifically tailored to the requirements of modern heat pumps. Trust nextsure, your digital partner for comprehensive and straightforward insurance coverage.
