the insurer's National Suryoday Insurance Policy is India's dedicated solar system protection product — launched to support the PM Surya Ghar Muft Bijli Yojana boom. Protects rooftop solar systems against fire, lightning, cyclone, flood, hail, earthquake, theft, and accidental damage. Your panels, inverter, mounting structure, wiring, and battery storage — all covered.
the insurer Miscellaneous· India's Solar Insurance· PM Surya Ghar· Launched August 2025
The National Suryoday Insurance Policy is the insurer's dedicated solar system protection product — "Suryoday" meaning sunrise in Sanskrit. Launched August 2025, it is India's first government insurer solar insurance product aligned with the PM Surya Ghar Muft Bijli Yojana, protecting rooftop and commercial solar installations across India.
The National Suryoday Insurance Policy was launched in August 2025. the insurer has published a Prospectus and Customer Information Sheet (CIS). The coverage details below are based on standard solar panel insurance norms in India ( including the insurer, the insurer, and IRDAI property wording). For the exact terms, exclusions, sum insured options, and premium for this specific the insurer product, please call 022 4302 0000 or visit your nearest the insurer branch.
PV modules, string inverters, microinverters — covered against fire, storm, hail, lightning, theft, and accidental damage.
Core CoverCyclones, storms, hailstorms, floods, earthquakes — India's full range of natural hazards covered for your solar system.
All PerilsSolar panels and copper cables are high-value theft targets. Your system is protected against theft at the installation site.
Anti-TheftOptional extension for inverter internal failure — when the inverter PCB fails without external cause. Fills the critical gap in standard cover.
Optional Add-onBank loans under PM Surya Ghar require asset insurance. Your policy protects your loan obligation if the system is destroyed.
Loan Compliantthe insurer Limited — Government of India undertaking, trusted. for your newest green investment.
PSU InsurerClick Any Component to See Coverage Details
A rooftop solar system has multiple components — each with its own risk profile. Click any component tile to see what's covered, how it can be damaged, and what the insurance response is.
When purchasing the National Suryoday Policy, declare all components of your solar system — including inverter make and capacity, battery storage (if any), and net metering equipment. Under-declaration may result in proportionate claim settlement. The Sum Insured should reflect the full replacement cost of the entire declared system, not just the panels.
8 Perils — India-Specific Solar Risks
India's solar installations face a unique combination of perils — coastal cyclones, North Indian hailstorms, urban flooding, copper cable theft, and lightning density. Click any peril card to see the India context and how insurance responds.
How Much Should I Insure My Solar System For?
Solar systems should be insured at their current replacement cost — the cost to replace the system with a new equivalent system at today's market prices. This may differ from your original installation cost due to technology price changes.
⚠️ ILLUSTRATIVE ONLY. Uses ₹60,000/kW as standard 2025 fully-installed rate (industry average for residential systems). Actual replacement value depends on brand, installation complexity, and current market prices. Premium range (0.10%–0.20%) is industry average from; actual the insurer premium confirmed at 022 4302 0000. Always insure at current replacement cost — not original installation cost.
PM Surya Ghar Muft Bijli Yojana — The Context
PM Surya Ghar Muft Bijli Yojana is the world's largest domestic rooftop solar programme. As of December 2025, 24 lakh+ homes are generating their own solar electricity. Each of these systems is a valuable asset that deserves protection.
Rooftop solar installations under PM Surya Ghar as of December 2025
Total households to be installed by 2027 under PM Surya Ghar
Government subsidy for 3 kW+ system — up to ₹78,000 per household
Monthly free electricity from a 3 kW rooftop solar system
Collateral-free bank loan at 7% for solar systems up to 3 kW
Expected lifespan of quality solar panels — your asset lasts decades
If you've already registered and installed under PM Surya Ghar, the next step is to insure your system. Contact Probitas Insurance Brokers (IRDAI Lic. 528) at 022 4302 0000 — we will arrange the National Suryoday Insurance Policy for your PM Surya Ghar system at the most competitive premium from the insurer.
The Critical Optional Add-on — Inverter Internal Failure
Standard property insurance covers external damage to your inverter. But what if your inverter simply stops working — no storm, no fire, no theft — just internal electrical failure? That's where the Machinery Breakdown extension becomes essential.
If your inverter simply stops working due to internal failure — no storm, no fire, no theft — your standard property insurance provides ZERO coverage for the replacement. You bear the full cost: ₹15,000–₹80,000 depending on inverter capacity.
Inverters typically fail 3–5× more often than panels during their 10–15 year lifespan. A quality string inverter costs ₹20,000–₹50,000 to replace. Without the Machinery Breakdown extension, this is an entirely uninsured risk.
Recommendation: For any solar system with a string inverter, the Machinery Breakdown extension is the single most important optional add-on to buy.
What to Do When Your Solar System Is Damaged
Solar claims require specific documentation — particularly photographs of damage before anything is moved or repaired. Do not have the system repaired by any technician before the insurer's surveyor gives authorisation, as unauthorised repairs may invalidate the claim.
Before touching a damaged panel, inverter, or cable — photograph everything. Wide shots, close-ups of breakage points, hailstone impacts, theft marks. These photos are your primary claim evidence. Time-stamp them if possible.
Call 022 4302 0000 or visit nearest the insurer branch on the day of the damage. Early notification is a policy condition. For theft: also file an FIR with local police immediately.
If panels, inverter, or cables are stolen: file FIR with police immediately. For RSMD/vandalism: file FIR. For fire with criminal suspicion: file FIR. Retain a copy of the FIR for the claim.
Do not have any damaged component repaired or replaced until the insurer's surveyor has assessed the damage. Premature repair may make damage assessment impossible and could void the claim for those components.
the insurer appoints a surveyor (often a solar engineer). The surveyor verifies damage, confirms cause (storm/fire/theft/mechanical), assesses replacement cost at current market prices. Cooperate fully and provide all installation documents.
Once the survey report is approved, the insurer settles the claim. Replacement is at current market replacement cost (or original SI, whichever is lower). The solar system is then repaired/replaced by an authorised installer.
What the Policy Does NOT Cover
Standard solar insurance exclusions — confirmed from IRDAI property wording, the insurer solar prospectus, and industry standards. Confirm exact exclusions for the National Suryoday Policy with the insurer.
Any damage to the solar system that existed before the policy inception date is not covered. System must be in working condition at policy start. the insurer may require a pre-insurance inspection for older systems.
Gradual panel degradation (panels lose ~0.5% efficiency per year — normal and expected), corrosion from normal weathering, aging of mounting structure — excluded. Insurance covers sudden, unforeseen loss, not gradual aging.
Damage due to defects in the design or manufacture of solar components — this is covered by the manufacturer's product warranty, not by insurance. If your panels delaminate due to manufacturing defect, claim from manufacturer.
Damage arising from improper installation, non-compliance with electrical codes, or installation by uncertified technicians — excluded. Always use MNRE-empanelled or certified installers.
Internal electrical/mechanical failure of the inverter is NOT covered under the standard property policy — only under the Machinery Breakdown extension. Without MB add-on, an inverter that simply stops working is uninsured.
Loss of electricity generation revenue or electricity bill savings during a repair period — not covered under standard policy for residential systems. A separate Business Interruption extension would be needed for commercial solar installations relying on generation revenue.
If you have the system repaired by an uncertified technician before the surveyor's assessment and authorisation, the claim for those repaired components may be voided. Always wait for the insurer's surveyor clearance before repairs.
War, invasion, nuclear contamination, radioactive materials — excluded across all property insurance products in India. Standard across all the insurer products.
Damage to solar monitoring or smart inverter systems caused by cyberattack, hacking, or malware — typically excluded from standard property insurance. A separate cyber liability extension would be needed for smart solar systems.
Mechanical or electrical breakdown of any solar component — including battery BMS failure, cable insulation breakdown from aging — without the Machinery Breakdown extension is excluded from the standard property cover.
Any deliberate damage to the solar system by the insured or with their connivance — excluded. Accidental damage by the insured (e.g., dropping a tool on a panel during cleaning) is typically covered.
Solar systems installed with non-BIS-certified components may face claim complications. The 2025 Quality Control Order requires BIS-certified panels and inverters. Ensure your system uses certified equipment to avoid policy compliance issues.
Solar Insurance Questions
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Our the insurer-empanelled specialists will contact you within one working day with a complete National Suryoday Insurance Policy quote — premium, coverage details, and whether Machinery Breakdown extension applies to your system.
By submitting you agree to our Privacy Policy and Terms & Conditions. National Suryoday Insurance Policy launched August 2025. Full terms in the insurer Prospectus. Subject to the insurer underwriting. Probitas Insurance Brokers Pvt. Ltd.· IRDAI Lic. No. 528.