In 2025, we consider that serial defect losses will continue to present challenges for insurers, who will need to adapt and amend cover to ensure it meets with their risk profile. Significant developments in wind and solar PV projects are providing new and exciting opportunities for clean energy production. However, their infancy in design and rapid developments in technology mean that the risk of insurance claims is significant, particularly in respect of serial defects claims. These types of claims tend to be more prevalent in these types of projects due to the large volume of replicated assets (such as turbines/ solar panels and cables), which are designed, manufactured and installed in the same way. When a defect has occurred with one asset, it is likely to be evident in others in the same project. Many insurers are reacting to such claims by attempting to mitigate their exposure by, for example, including exclusions for these defects, or incorporating sliding scales of indemnity based on the number of losses, but such measures are not perfect and have led to significant losses over the last year.