Solar Power Insurance.
This is important for those who choose not to register their Inverter/solar system with the COCT by following the SSEG application process.
The short answer is, no, the insurance company will not cover loss if the system is not registered with the COCT. The by-law of the COCT states that all Grid Tied systems need to be registered with the COCT.
See the extract below from an insurance company:

Insurance companies have various reasons for requiring solar power systems to be registered with the City of Cape Town as part of the Small-Scale Embedded Generation (SSEG) process. SSEG refers to the generation of electricity from renewable sources, like solar power, by individual consumers or businesses and feeding it into the grid. Here are some reasons why insurance companies in Cape Town might have such a requirement:

  1. Compliance with Regulations: Insurance companies often have specific requirements to ensure that their policyholders comply with local and national regulations. In many places, including Cape Town, there may be regulations and standards related to the installation and operation of solar power systems. By requiring registration with the city as part of the SSEG process, insurers can ensure that the system adheres to these regulations, which reduces the risk of accidents or damage.
  2. Risk Assessment: Insurance companies base their coverage and premiums on risk assessments. Unregistered solar power systems may pose a higher risk because they may not have been installed or maintained to specific safety and quality standards. By registering with the city and complying with SSEG regulations, the insurance company can be more confident that the system is safe and reliable, reducing the risk of claims.
  3. Verification of System Details: Registering with the city as part of the SSEG process typically involves providing detailed information about the solar power system, including its capacity, installation details, and maintenance plans. This information allows the insurance company to accurately assess the system's value and potential risks, which can help in determining appropriate coverage and premiums.
  4. Legal and Liability Concerns: In the event of an accident or damage caused by an unregistered solar power system, there may be legal and liability issues. Insurance companies want to ensure that they are not insuring systems that are operating unlawfully or could lead to legal disputes. Registering the system with the city can help clarify its legal status and responsibilities.
  5. Quality Assurance: Registered solar power systems are more likely to meet certain quality standards and safety requirements, as they have undergone an approval process by the city. Insurance companies may have more confidence in systems that have met these standards, which can lead to more favourable insurance terms for policyholders.
  6. Preventing Fraud: Requiring registration can help prevent fraud or misrepresentation of the solar power system's characteristics. Some policyholders might attempt to get coverage for systems that do not meet the criteria or are not installed properly. Requiring SSEG registration can serve as a safeguard against such fraudulent activities.

By requiring registration with the City of Cape Town as part of the SSEG process, insurance companies aim to mitigate risks and ensure that the solar power systems they insure are installed and maintained in compliance with local regulations and safety standards. This ultimately benefits both the insurers and the policyholders by reducing the likelihood of insurance claims and ensuring a safer and more reliable energy source.