Boiler Insurance

Boiler insurance may be a smart choice for your financial protection should your boiler break down in the middle of winter. There are three types of heating cover available in the UK. One covers only the boiler and controls. The second covers boiler and service. The third covers the entire central heating system. You may also find plans that include plumbing, drains, wiring and inspections or these may be added for a nominal surcharge. Boiler cover is the cheapest of the policies available but first you must determine if one is really necessary.

boiler insurance

If you do not own your property, it is probable that your landlord is responsible for boiler repairs. Social accommodation and rented property both require landlords to maintain the heating equipment and appliances and ensure a Gas Safe registered gas fitter inspects them each year. If you do own property, the boiler may be covered by your homeowners policy. Some older equipment may be excluded from insurance cover without first undergoing repairs. Some mobile homes cannot be insured as well.

Boiler Insurance Prices

Prices for boiler insurance may run as little as 5.25 per month. Your energy service provider usually offers cover, as do many private insurance agencies. You are not required to accept your providers cover automatically. In fact, it is to your advantage to shop around and compare both prices and the situations covered by a policy before making a final decision. You may also elect to buy cover from a different energy provider since the terms of cover are not limited to energy customers. These providers offer various types of boiler insurance cover: British Gas, E.ON, npower, HomeCall+ and Direct Line.  Many private insurers also offer boiler and heating cover. You can initiate price comparisons with online search services to find the best options to suit your needs.

boiler insuranceBoiler Insurance Advice

If you have relatively new equipment, you may opt for basic boiler insurance only. Older models that need frequent repairs may require a more comprehensive solution. If your boiler is older than 15 years, then most companies will not insure it. If it is between 10-15 years old, it may be inefficient and investigating the possibility of a new boiler may be a sensible decision. If you are a landlord, you are responsible for your tenants and should have adequate protection, Older people may also be extremely at-risk in winter and should obtain a policy for peace-of-mind.

There are certain exclusions and limitations to boiler insurance, which you should carefully research before making a decision. There may be limits to the number of times you can make a call out for service. There may also be a limit to how much any repair can cost. The definition of emergency is also open to interpretation. Recently, British Gas was so besieged with repair orders, they determined that the lack of hot water was no longer an emergency. That ludicrous decision has been rectified, but you never know what may crop up in the future.

Some of the popular companies offering boiler insurance cover include AA Home Emergency Response, British Gas HomeCare Response, CPP Gas Central Heating, Direct Line Home Emergency, Domestic & General, HomeServe, Protect Your Bubble Home Emergency, and Uswitch.

Many providers require you get an annual inspection while others provide a free inspection as part of the policy. Most plans offer 24-hour, 365-day help line service you may call when you have a heating or hot water emergency situation. The cost of the call out, labour, parts and repair are covered by the policy. Boiler cover can be very important for landlords, the elderly, the infirm, or those with few resources to make repairs in the event of breakdown or emergency situation. It may suit those who are concerned about their level of cover so require boiler insurance to give peace of mind.