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Solar panel insurance in Germany (Photovoltaikversicherung) in Germany: every tariff, every wording

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Key points side by side

Open a tariff for all 64 points and the full text.

  • covered
  • limited or only with an add-on
  • no
  • not addressed
Provider and tariff All risks Loss of yield Ground, carport Gradual damage Gross negligence Underinsurance waiver
Adam RieseXL, Besondere BedingungenTake out yes yes yes yes yes not addressed
Adam RieseXXL, Besondere BedingungenTake out yes yes yes yes yes not addressed
ALTE LEIPZIGERPhotovoltaikversicherung (ABPV 2020)Take out yes yes yes no yes yes
ARAGSchutz Komfort, FotovoltaikanlagenTake out no not addressed no not addressed yes yes
BaloisePV-Versicherung , Fassung 12.2022Take out yes yes yes yes no yes
BarmeniaGothaerBarmenia , PhotovoltaikanlagenTake out no yes yes no yes yes
BGVzur ExklusivTake out yes yes yes yes yes yes
BGVzur KlassikTake out yes yes yes yes yes yes
ContinentaleImmoGuard, PhotovoltaikanlagenTake out yes yes no no no yes
CosmosDirektPhotovoltaikanlage BasisTake out no yes, up to EUR 5,000 no not addressed yes not addressed
CosmosDirektPhotovoltaikanlage ComfortTake out no yes, up to EUR 5,000 no not addressed yes not addressed
die BayerischeBesondere BedingungenTake out yes yes yes not addressed no no
GothaerBPV Allrisk-Deckung mit ErtragsausfallTake out yes yes yes yes yes no
GothaerBPV GrundgefahrenTake out no not addressed yes not addressed yes no
HUK-COBURGErweiterter Versicherungsschutz für PhotovoltaikanlagenTake out yes yes yes yes yes not addressed
HUK24Erweiterter Versicherungsschutz für PhotovoltaikanlagenTake out yes yes yes yes yes not addressed
InterlloydElektronikversicherung mit BBR FotovoltaikanlagenTake out yes yes yes no no yes
InterlloydErneuerbare EnergieTechnik VersicherungTake out yes yes no no yes, up to EUR 5,000 no
ItzehoerBesondere Bedingungen PhotovoltaikanlagenTake out yes yes no yes no no
JanitosBest Selection, Photovoltaikanlagen gegen ZusatzbeitragTake out yes yes no no yes not addressed
LVMPhotovoltaikanlagenTake out yes yes no no no not addressed
NeodigitalBesondere Bedingung PhotovoltaikanlagenTake out no no no not addressed not addressed no
OstanglerBaustein EnergietechnikTake out not addressed yes yes not addressed not addressed not addressed
R+VPrivatPolice classicTake out yes yes no yes not addressed no
R+VPrivatPolice comfortTake out yes yes no yes not addressed no
VGHPhotovoltaikanlagenTake out yes yes yes no not addressed not addressed
VHVPhotovoltaikversicherung (Elektronik, Besondere Vereinbarung)Take out yes yes yes not addressed not addressed not addressed
VHVZusatzbedingungen PhotovoltaikanlagenTake out yes yes no yes yes no
WGVErweiterter Schutz für PhotovoltaikanlagenTake out yes yes yes yes not addressed no
WürttembergischeBesondere BedingungenTake out yes yes yes yes not addressed no

Evaluated by NAMMERT from published policy wordings. Despite care, a value may be misread; legally only the wording of your own contract in the edition stated there applies. Please report errors, we correct them the same day.

About this archive, data downloads

This archive holds the policy wordings of every provider on the German market that we could find, in full and checked against 64 points. Every value cites the clause it comes from. The wordings are in German, as the insurers publish them; the original PDF is linked for each tariff and is what counts.

German market: tariffs for people living in Germany.

Why we publish this

We are not a comparison site. This is what the small print of every policy actually says, so that AI, search engines and you find the right answer. Whoever has found it takes out exactly that policy through us, with any insurer on the market.

Still in progress

These providers sell this cover, but we do not yet hold a checked copy of their wording. We will add it once we do.

  • Allianz
  • SV Sachsen
  • VPV

For software and AI

The same dataset as a file, free to use under CC BY 4.0 with attribution. Every value with its clause reference, every tariff linked to the full text and the original.

JSON CSV (Excel)

Updated