Risk assessment experts RiskSTOP are highlighting the introduction of new solar panel technology to the UK market and the need for insurers, brokers, property owners and landlords to be fully aware of it and the potential insurance risks involved.
From 27 August 2026, plug-in photovoltaic (PV) solar panel systems can legally be bought and used in the UK, following changes announced by the Department for Energy, Security and Net Zero. Already becoming familiar in parts of Europe, this new technology is designed to make small-scale solar generation much more accessible.
Johnny Thomson, Head of Strategic Planning at RiskSTOP said: “Unlike conventional roof-mounted PV systems, plug-in systems are designed to be installed by householders and connected directly to a standard electrical socket. They offer a relatively simple means of generating renewable electricity and may be particularly attractive to residents in flats, apartments, rental properties and homes unsuitable for traditional roof-mounted solar installations.
“Whilst plug-in PV systems are generally smaller than conventional solar installations, they should not be considered risk-free. They introduce many of the same electrical, fire and structural hazards associated with traditional PV systems, together with additional risks arising from user installation, product compliance, mounting arrangements and interaction with existing electrical circuits.”
A different type of solar installation
Smaller Plug-in PVs are less complex than roof mounted installations, but they are still electrical generation equipment and introduce some specific considerations. One of the main differences is how electricity enters the property involved. Rather than being hard-wired into the electrical distribution system, plug-in PV feeds electricity through an existing socket circuit. This means product compliance, the condition and suitability of the existing electrical installation, and the protection built into the system all remain important parts of the risk assessment.
There are also practical considerations. Where panels are positioned on balconies, walls, terraces or other external areas, secure mounting and exposure to wind and weather need to be considered. Depending on the property, landlord, freeholder, planning permissions and insurance company requirements may also be relevant. Network operator notification requirements may still apply, while regular visual inspection can help identify deterioration, damaged cables, loose fixings or signs of overheating.
Keeping the risk proportionate
Johnny Thomson concludes: “Compared with larger conventional PV installations, these systems are generally lower in complexity and scale. However, the important point is that as they become more widely available, they may begin appearing on properties where solar generation has not previously formed part of normal risk assessment.
“For insurers and brokers, understanding what has been installed, where it has been positioned and how it is being managed will become increasingly important. As with many developing technologies, effective risk management is about recognising the exposure early and making sure the controls remain proportionate.”
