How you can switch to solar for £0 upfront

Sunsave-announcement
Last updated on 27 August 20245 min read

With Sunsave Plus, your savings could exceed your monthly payments - meaning more money in your pocket each year.

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Written byJosh Jackman
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At a glance

⚡ Many people want solar but are unable to make the switch

70% of UK households want to go solar, but so far only 4% have done so.

Rising energy bills and the ever-increasing demand for electricity have made people in the UK want solar more than ever before, but many are blocked by the high upfront cost and the lack of post-installation maintenance support.

☀️ Sunsave Plus is the UK’s first solar subscription, at £0 upfront cost

Sunsave Plus comes with no upfront cost, so you don't need to have cash in the bank or save for years to go green.

Instead, you'll pay a fixed monthly fee that will remain absolutely fixed for the full term - so you'll be protected against energy price rises. And you can make an early repayment whenever you want, with no charges or penalties.

💷 Your savings could exceed your monthly payments

Depending on your home and setup, your energy bill savings may exceed your payments.

That means if you sign up for Sunsave Plus, you could have more money in your pocket each month.

🛡️ Every Sunsave Plus system is protected by the Sunsave Guarantee

We'll be in your corner for the full 20 years, so you'll have total peace of mind that your system will keep working as expected.

The Sunsave Guarantee includes 24/7 with monitoring and maintenance support, downtime cover, a free battery and inverter replacement, and insurance provided by Aviva (protecting your system against theft, fire, and damage).

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What's Sunsave Plus and why did we launch it?

We've created Sunsave Plus, the UK’s first solar subscription, because we want to make solar accessible to all UK households.

There are three key reasons why Sunsave Plus has come at just the right time for people in the UK - here's a little more detail on each one.

1) High upfront costs

70% of UK households want to go solar, but so far only 4% have done so. That's an enormous gap, and the main reason is the upfront cost of buying solar panels is prohibitively high for most people. A typical solar & battery system today costs around £10,000, whereas one half of UK households have less than £5,000 in savings (FCA, 2023).

Sunsave Plus means you can own a solar & battery system without paying anything upfront, and instead make fixed monthly payments for 20 years. You'll instantly start saving on your energy bills and sell any excess energy to the grid.

In many cases, your energy bill savings could exceed your monthly payments to Sunsave, meaning more money in your pocket.

2) Lack of maintenance support

A 2021 UK government study discovered that 55% of people who aren't keen on solar were worried about the ongoing maintenance, and more than 40% said a guarantee scheme would allay these concerns – so we created one.

Sunsave Plus comes with the Sunsave Guarantee - 20-years of support including free replacement parts, monitoring and maintenance support and bespoke insurance from Aviva. This is really important as industry experts estimate that every year, a typical solar & battery system in the UK has a 15% chance of requiring maintenance, across a 20-year period.

On average, you'll need to make three call outs overall, and each one can add substantially to the cost – not to mention the hassle of finding a reliable solar engineer to help every time.

3) Rising electricity bills

Making solar accessible to all households will only become more necessary as the electrification of the UK continues to accelerate over the coming decades.

To make our homes more energy-efficient and cut carbon emissions, we'll end up growing our electricity usage by 50% between 2020 and 2035, according to the independent Climate Change Committee's Sixth Carbon Budget, as heat pumps and electric vehicles become a fixture of people's homes across the country.

To power your heating, devices, and car, you'll need much more electricity - and this rise in demand for electricity is very likely to push up the cost of your energy bills. Solar energy is the solution.

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What's unique about Sunsave Plus?

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There's no upfront cost

Sunsave Guarantee icon

20-year monitoring & maintenance support

Replacement parts icon

Free replacement battery and inverter

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Fixed monthly payments

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Comprehensive insurance from Aviva

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Savings can exceed payments

The Sunsave Guarantee

Every Sunsave Plus subscription comes with the Sunsave Guarantee - a 20-year support and aftercare package that provides you with total peace of mind. Once installed, you can rest assured that you’ll have a consistent supply of clean, green electricity for the next 20 years. It's a comprehensive package that includes:

  • A 30-year performance warranty on your solar panels
  • A free battery replacement once it performs at less than 70% of its original capacity – which typically happens after 10-12 years
  • A free inverter replacement whenever required (usually after 10-12 years)
  • 24/7 monitoring of your system, including alerting you if something isn’t working
  • Troubleshooting of any issues and management of any warranty claims
  • Insurance provided by Aviva to protect your system against damage, fire, and theft
  • Downtime protection, meaning we’ll compensate you for any prolonged period that your system isn’t working as it should

To find out more about the Sunsave Guarantee, check out our full guide.

Why is Sunsave Plus better than a loan or a roof lease?

Sunsave Plus is fundamentally better than a roof lease or a loan. Here's why:

How is it better than a roof lease?

Unlike a roof lease, we’ve designed Sunsave Plus so that you legally own your system from day one, and it immediately becomes part of the fabric of your property. We don’t need any rights to your roof for any period of time because the system is yours. 

This means you’re completely free to sell your home whenever you want, unencumbered – you don’t need to check your contract or ask Sunsave for permission.

You won’t run into any of the issues that mortgage lenders have with roof leases, and you'll have the flexibility to choose what happens when you move home: you can either pass on the agreement to the new homebuyer, or include the value of your system in the price of your property and pay off the subscription early.

And because you own the system, any export income it generates is yours. You are free to choose whichever export tariff is best for you, and in most cases we will recommend Intelligent Octopus Flux, which pays a higher rate than any other tariff and uses smart battery controls to maximise the value of your system. 

The fact you can definitely earn export income – unlike roof leases, where it's not a given – means your system may be more attractive to incoming homebuyers, and you’ll likely see a greater boost to your property’s value whenever it comes to moving home.

In addition, some solar products that need a roof lease are not regulated by the Financial Conduct Authority (FCA), meaning they don’t have to adhere to high standards set by the FCA when it comes to treating customers fairly. 

In contrast, Sunsave is fully authorised and regulated by the FCA, whose Consumer Duty requires us to deliver good outcomes for our customers. 

Customer story

We caught up with Tim, who’s saving over £400 a year with Sunsave Plus.

Find out more

How is it better than a loan?

The 20-year span of Sunsave Plus sets it apart from solar loans in the UK, which usually only stretch to 10 years – and the 0% interest loans are typically just two or three years long.

Spreading the payments over 20 years allows you to keep your monthly costs so low that your savings may be higher, meaning you can make an immediate return.

And unlike many loans, you can pay off your principal at any time, without incurring penalties or additional interest.

Sunsave Plus also comes with the Sunsave Guarantee, a 20-year commitment to provide you with monitoring and maintenance, free replacement parts, insurance against damage, theft, fire, and any financial losses if the system isn’t working for a prolonged period of time.

The industry standard is a two-year workmanship guarantee, which isn't enough for a solar panel system's minimum 25-year lifespan.

Sunsave, a London-based company, will receive £2 million funding [from the UK government] to ... offer households solar panels for a monthly payment, similar to a mobile phone, rather than an upfront sum.

The Daily Telegraph

18th January 2024

What’s going to happen to UK energy bills?

Even before the energy crisis, electricity prices have increased by 5.5% each year on average since 2000. Nobody can predict the future, but they are expected to remain high until at least the late 2030s.

With Sunsave Plus, your monthly payments are fixed, so you’re protected against inflation from rising energy bills and your savings will increase over time. And after 20 years, your payments end and all the electricity generated is free.

Graph showing potential energy price rises

Our calculations

  • Electricity price change taken from ONS Consumer price inflation time series (MM23), showing 5.5% average increase between 2000-2020. For our forecast, we’ve assumed the same rate of inflation over the next 20 years and the energy bills are based on a household using 4,000kWh of electricity each year.
  • Cornwall Insight forecast in July 2023 predicts that power prices will remain high until the late 2030s.

Sunsave's offering includes installation, insurance, monitoring and maintenance, and is expected to draw interest from consumers grappling with volatile energy bills and the broader cost-of-living crisis.

Sky News

5th December 2023

Will Sunsave Plus work all year round?

Solar panels work all through the year — even in the UK! All they need is a bit of daylight. Your solar panels generate the most energy in summer. This is when you’ll sell the most excess electricity to the grid. Your solar panel output will drop in winter, but won’t stop completely. You’ll just need to top up with electricity from the grid.

Graph showing solar panel system performance

Our calculations
  • The chart is based on a typical four-bedroom family home in Essex using 4,000kWh of electricity each year, with a 7.1kWp solar panel system and a 5.2kWh battery.
  • We’ve calculated this electricity generation using EnergyPlus solar irradiance data, plus the orientation and angle of the property’s roof.

Next steps

Many people around the world have benefited from solar subscriptions - particularly in Germany, the US, Spain and New Zealand - and now it's here to unlock solar for UK households.

Solar is a powerful way to save money and reduce your carbon footprint, and there’s no reason people should be excluded due to high upfront costs.

To find out how much you could save with Sunsave Plus, answer a few quick questions below and we'll be in touch.

Sunsave Plus: FAQs

What’s Sunsave Plus?

Sunsave Plus is everything you need to go solar, delivered as a 20-year subscription. It includes the design, supply, financing and install of a system tailored to your home, plus ongoing monitoring, maintenance and insurance through the Sunsave Guarantee for the length of your subscription.

How does Sunsave Plus work?

We offer low cost, long-term financing that spreads the cost of your system over 20 years. So instead of paying for a solar system in one go, you make a smaller monthly payment that allows you to save money on your energy bill from day one.

The subscription ends after 20 years, but you’ll keep your system and continue to save on your energy bill.

Our best-in-class kit works with export tariffs like Intelligent Octopus Flux, so you can sell your excess energy to the grid and maximise your savings.

Who is Sunsave Plus for?

Sunsave Plus is a good option for people who want to save on their energy bills with solar, without making a large upfront payment for a system. It also offers security and peace of mind with the Sunsave Guarantee, so you don’t get any surprise costs.

You need to be a homeowner in England or Wales to get Sunsave Plus.

Do I own my system?

Yes. Sunsave Plus isn’t a lease or rental — you own your system from the day it’s installed.

How long do batteries last?

Solar batteries are built to last a long time, although typically not as long as solar panels which work for longer than 25 years. Most batteries last around 10-12 years (our batteries come with a 10-year warranty), so they usually need to be replaced about halfway through the lifespan of your solar panels.

With Sunsave Plus, as part of the Sunsave Guarantee, we’ll provide you with one free out-of-warranty battery replacement, so you don’t need to worry about getting a new battery when your old one stops performing.

What’s the Sunsave Guarantee?

We only use best-in-class kit, and we’re fully accredited by Flexi-Orb, MCS, and other relevant industry bodies. The independent experts at Which? have also put us to the test and endorsed Sunsave as a Trusted Trader, demonstrating that we’re one of the highest quality solar installers around.

That said, sometimes things go wrong. And if that happens, you’re covered by the Sunsave Guarantee for the length of your subscription. It includes full system insurance (provided by Aviva), 24/7 remote monitoring, a free battery replacement, and any parts and repairs that are out of warranty.

What’s included

  • 25-year manufacturer’s warranty on panels
  • 10-year manufacturer’s warranty on battery and inverter
  • one free out-of-warranty battery & inverter replacement
  • 24/7 system monitoring so we can see if something’s not working as expected
  • troubleshooting and support with any warranty claims
  • insurance for damage, fire, theft, and any financial losses if the system isn’t working for a prolonged period of time

What’s not included

  • panel cleaning
  • repair or replacement of bird netting
What are the eligibility requirements?

Your Sunsave Plus application can have up to two applicants.

  • The lead applicant must be an owner of the property
  • At least one applicant must be between 18 and 60 years old
  • Both applicants must be UK residents
Can I end my subscription early?

Even though Sunsave Plus starts as a 20-year subscription, you are free to make a full repayment to end your contract whenever you want - without any fees or penalties.

  • For full settlements, the remaining balance would just be the outstanding credit amount (i.e. not any interest or monitoring & maintenance fees you would have incurred had your subscription continued).
  • For partial settlements, any repayment you make would be deducted from the outstanding credit amount. The term of your contract with Sunsave will be reduced but your fixed monthly fees will stay the same. This means you’d accrue interest on a smaller remaining balance, and pay less overall.

If you end your subscription early, you’ll no longer be covered by the Sunsave Guarantee.

What happens if I move home?

We know moving home can be stressful, so you’ll have a dedicated Sunsave customer service representative to help you at every step.

We can’t move your Sunsave system, as it’s tailored to your home. But with Sunsave Plus, we have two options that make it simple for you to move.

1. Transfer your subscription to the new homeowner

You can transfer your system to the new homeowner*, in the same way that you transfer a utility contract.

In countries where solar subscriptions have taken off (such as the US and Germany), passing on the contract has proven to be very popular. For example, Sunrun, the US solar subscription provider, sees 98% of their customers who move home during their subscription successfully transfer their contract to the new homebuyer.

*Subject to acceptance. The new homeowner will need to pass the same eligibility requirements as any new Sunsave Plus customer.

2. Pay off the remaining balance

Alternatively, you can include the value of your solar & battery system in the sale price of your home and make a full early repayment either before the sale or using the proceeds from the sale. There are no additional charges or hidden fees for this and you do not need to repay any future interest or monitoring and maintenance fees.

  • Research from WWF & Scottish Power found that solar increases the value of a house by 0.5% to 2.0%. This study excludes the impact of batteries which would likely increase value further.
  • Rightmove study found that increasing a home’s EPC rating raised the value of that home. Adding solar to a home typically increases an EPC by one level, and the study found that increasing EPC from D to C resulted in an average increase of 3%, or £11,157.

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Written byJosh Jackman

Josh has written about the rapid rise of home solar for the past five years. His data-driven work has been featured in United Nations and World Health Organisation documents, as well as publications including The Eco Experts, Financial Times, The Independent, The Telegraph, The Times, and The Sun. Josh has also been interviewed as a renewables expert on BBC One’s Rip-Off Britain, ITV1’s Tonight show, and BBC Radio 4 and 5.

Copyright © 2024 Sunsave

Sunsave Group Limited (company number: 13741813) and its affiliates, Sunsave UK Limited (company number: 13941186) and Sunsave Energy Limited (company number: 13952135), together trading as “Sunsave”, provide renewable energy systems and finance and are registered in England and Wales at 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ. Sunsave UK Limited (FRN: 1008450) is a credit broker and can introduce you to a panel of lenders for the purpose of arranging finance. Sunsave Energy Limited (FRN: 979494) is a lender. Both Sunsave UK Limited and Sunsave Energy Limited are authorised and regulated by the Financial Conduct Authority.