Most of our clients are now installing solar systems because of the incessant loadshedding that are being faced by South Africa. A number of the Insurers are now endorsing policies that effect 01/11/2023 with this and I think there is merit in us conscientizing our clients so that they understand and also know what the policy says in respect of the risk and also what happens if they do not adhere to the warranties : Installed Solar System - means a system comprising of a solar panel array, inverter and other electrical hardware which has been installed by a Suitably Qualified Electrician. Such system comprises of either an Electrical Installation (inclusive of but not limited to inverters and generators) or one or more solar panels that uses energy from the sun combined with Electrical Installations or battery power to generate electricity. Suitably Qualified Electrician - means a licenced electrician who has completed a formal qualification in order to fulfil competency requirements essential by law and in conjunction with relevant work experience as is necessary to perform the job for which they are employed. Such licenced electrician must be registered in terms of the Electrical Installation Regulations (2009) as amended from time to time and must either be a licenced electrician or must employ one as a contracting firm or individual in their full time employ for the purpose of fulfilling Electrical Installations. Electrical Installations - means machinery and equipment, in or on any premises, that is used for the transmission of electrical energy from a point of control to a point of consumption anywhere on the premises, inclusive of any article that forms part of such an installation, irrespective of whether or not it is part of the electrical circuit. THE ENDORSEMENT
The option to replace, reinstate or repair your Installed Solar System remains at the Insurer’s discretion and You must have a valid claim for the Installed Solar System. INSTALLED SOLAR SYSTEM CERTIFICATE OF COMPLIANCE WARRANTY You agree that You will obtain the Certificate of Compliance (COC) once testing, commissioning and hand over has been completed. Insurers reserve the right to call for the COC in the validation of any claim made hereunder if this has not been provided to them at the time of Insurers accepting cover for the Installed Solar System. You will forfeit Your right to claim hereunder if You fail to comply with the COC requirement and the Insurance company(Insurers) will be entitled to reject Your claim if they establish that You have not complied with the provisions of this Installed Solar System Certificate of Compliance Warranty. SPECIFIC EXCLUSIONS: The Insurers will not indemnify You for:
If the Insurance company allege that loss or damage is not covered by this Policy, the burden of proving the contrary will rest with You and they will be entitled to reject Your claim.
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