How can your club benefit from solar panels?
Everything you need to know about solar panels, including insurance guidance from RYA partner Gallagher
Are you considering installing solar panels at your club? Many affiliated clubs are realising the benefits that the use of solar panels could offer.
As well as the environmental benefits, sustainability initiatives such as installing solar panels can offer your club reduced energy bills, which could be especially helpful with the rising cost of power. A 2023 survey of RYA clubs found that 64% had experienced higher energy costs in the previous 12 months, and 75% agreed that rising energy costs would impact their club’s financial situation.
Renewable energy sources could also attract new members who are environmentally conscious and are looking for a club that supports these values. The RYA is committed to our vision of a zero-carbon recreational boating sector by 2050, and as part of this we are actively promoting the switch to green energy suppliers for RYA-occupied facilities. The Green Blue have produced a How To Green Your Club guide to help RYA clubs get started.
As the provider of RYA-endorsed insurance, which can include solar panels, insurance experts Gallagher have provided some tips for what to consider.
What to consider before installing solar panels
If you plan to install solar technology at your club, or if you already have solar technology in place, then you should inform your insurance provider. Depending on the size and type of installation and, if roof mounted, the construction of your building, this could have a bearing on terms applied by insurers.
How to choose contractors to install your solar panels
It is important to always use Microgeneration Certification Scheme (MCS) accredited contractors to install your solar technology. The MCS is a quality assurance scheme, and contractors must demonstrate competency and a commitment to customer care and quality workmanship to become certified. Working with an MCS accredited contractor helps give you peace of mind that your contractors will adhere to industry standards, ensuring quality and reliability.
How to maintain your solar panels
When it comes to keeping your club’s solar panels in good working condition, suitable robust maintenance programmes should be implemented. A proactive, preventative approach to maintaining your solar panels, including regularly inspecting the equipment and making repairs and replacements when necessary, can help to improve the performance and extend the lifespan of your solar technology.
Your MCS certified contractor should also provide you with details on regular maintenance checks that you should carry out.
How to clean your solar panels
Cleaning is another important part of maintaining your solar panels. Regular cleaning should be undertaken to ensure removal of dirt and debris, the presence of which could reduce energy production by anywhere from 1.5% to 30%. You can clean solar panels using a gentle soap or a cleaner specifically designed for solar panels. Avoid any harsh cleaning solutions as these could degrade or damage the surface. Similarly, opt for a soft cloth or sponge as rough materials can scratch the panels.
You can also use a wiper or squeegee to wipe the excess water away, similar to cleaning windows. Try to avoid cleaning solar panels when it is sunny as the heat of the sun will quickly evaporate the water from the surface of the panels, which could leave streaks behind.
Performing the proper electrical checks
Insurance policies can require electrical installations to be checked and certified by a qualified professional every five years as a minimum and suitable records should be maintained. This is to help ensure safety, performance, and compliance. Regular testing may also be required to keep your solar technology within warranty, and some installers may require more frequent electrical checks.
Check if your insurance policy covers damage to solar panels/installations
On the basis that you have informed us that you have solar technology and that appropriate terms have been applied, the Gallagher RYA Combined policy can cover damage on an ‘all-risks’ basis. This may not be mirrored by all insurers, so you should check this with your existing insurance provider.
Speak to Gallagher
To find out more about how Gallagher can help you and for further questions or advice on any insurance matter, contact the specialist RYA Gallagher Team.
Information last updated July 2024.
The sole purpose of this article is to provide information on the issues covered. This article is not intended to give legal advice, and, accordingly, it should not be relied upon. It should not be regarded as a comprehensive statement of the law and/or market practice in this area. We make no claims as to the completeness or accuracy of the information contained herein or in the links which were live at the date of publication. You should not act upon (or should refrain from acting upon) information in this publication without first seeking specific legal and/or specialist advice. Arthur J. Gallagher Insurance Brokers Limited accepts no liability for any inaccuracy, omission or mistake in this publication, nor will we be responsible for any loss which may be suffered as a result of any person relying on the information contained herein.
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