Winter is right around the corner, and now is the best time to ensure that you safeguard your boiler and heating system against problems. An ideal boiler cover helps give that assurance that in case something goes wrong, all will be well, and you will not need to spend so much or be inconvenienced.
Get Comprehensive Boiler Insurance Cover for Peace of Mind
However, not all boiler cover policies are the same which means that there are differences between the various policies. It’s important to understand coverage tiers, assess what suits your needs, and compare options for the best value.
Here are five common questions people have answered to make choosing the right central heating cover for your home easier, plus some extra advice on choosing the best plan when looking at boiler cover.
What Does the Boiler Cover Normally Include Today?
An average boiler cover insurance will feature call-out, labour, and any parts should your boiler or heating system break down. Additional features might also include plans for annual check-ups, accidental damage cover, or even a replacement if your boiler is irreparable.
Response times will generally be assured too –24 hours for emergency calls to service on premium plans or 48 hours for basic cover responders. This is also true where you need to understand your excess fees and your claim limits per year and these also differ from one provider as well as the policy you choose.
Do I Need a Boiler Breakdown Cover?
Without any doubt – yes! It can usually occur at any time of the year, but it is especially troublesome during the winter months since the primary function of a boiler is to supply heat throughout the house. They also tend to be costly to maintain as they are likely to develop faults and break down more often than other automobiles. Boiler insurance helps avoid unexpected full repair or replacement costs if things go wrong, offering financial peace of mind.
Also, from April 2022, it is mandatory for anyone conducting a boiler breakdown, to legally, be Gas Safe registered. So it is not an option to lean on a friend of the family or use DIY techniques now. Acquiring excellent boiler cover also ensures that you adhere to this legislation as well.
What More Can I Add in Home Emergency Extras?
Most providers include boiler cover plus extras like burst pipe, drain, pest, roof, and electrical emergency protection. Replacement of windows and locks is also offered, and people can get their homes and offices glazed.
As you will see, adding extra home emergency cover to your main heating protection ensures this policy covers all bases. The overall structure makes it easier to manage and is typically less expensive than having to purchase individual policies. Just, therefore decide on which further risks you would like to cover in addition to your basic protection.
How often is it reasonable to expect to pay to have a boiler cover installed?
There are cheaper quotes that range from £160 to £500+ for a full boiler and heating cover insurance. Other factors that would affect the cost of bespoke policies include the existing boiler’s age call-out fees and policy limits.
While installing combi boilers, the newer systems are cheaper to cover than their older conventional counterparts. As for covering the boiler, you can be ready to pay about 10% of the cost of the new boiler for a reasonable boiler cover plan. Carefully work on pricing by obtaining multiple quotes and comparing the boiler cover deals available.
Some reliable providers of boiler cover services are:
British Aviva, British Gas, and SSE are some of the Insurance companies that provide boiler protection plans. However, some of the specialist home emergency firms such as HomeServe can offer better value offerings as this is their main line of business.
Get acquainted with customer rating websites to review the feedback and complaints ratio for any potential boiler cover firm before ordering one. The Financial Conduct Authority sets strict rules for displaying policies on terms, cancellations, and handling complaints. Having to deal with an FCA-registered provider just adds an extra layer of reassurance.
FAQs
1. What exactly does boiler cover prevent?
Boiler cover assists in catering for the costs of repairing whenever your boiler system develops a fault. It can cover parts, wages, and charges for coming to fix a vehicle.
2. What components of central heating can cover?
This policy covers your boiler and your central heating system means that it will cater to any problem with both. It includes the repair of radiators, thermostats, pumps, and any pipe work.
3. Is it necessary to have boiler insurance and or central heating insurance?
No, the central heating cover does provide cover for your boiler, therefore, getting both will be providing duplicate service. In this case, the central heating cover is larger or rather includes more options.
4. Have you ever wondered how much does boiler covers costs?
Boiler rental is typically £15-£35 per month based on the boiler’s type, age, and previous claims.
5. When should I get the Central heating cover?
It’s wise to get cover early, protecting against common breakdowns as your central heating system ages over time.
6. Are there some ways to obscure the existing defects?
Normally not – most of the boiler and central heating cover policies entail that when you purchase the policy your system is in satisfactory working condition.
7. Could you also check if the central heating cover has an excess?
Yes, usually £50 £100 which you contribute towards each repair before the policy contributes its bit for the remaining expense.
Conclusion
Boilers have not been spared, so do not start the winter season with faulty boilers or attempt to fix them on your own. Buy a boiler cover now before your heating breaks down when it is most needed by you. Hearing quotes shared in minutes online and the small annual fee provides winter peace of mind. However, it’s worth noting that one should check policy inclusions and limits before fully signing up for it to ensure guaranteed warmth this winter.
