What is a Boiler Cover?
Boiler cover is a type of insurance that provides for the costs of calling out a gas-safe registered engineer and paying for repairs. It also usually includes an annual service. However, it is essential to shop around and find the best deal. This type of insurance typically excludes limescale damage or sludge build-up in the boiler, which can be expensive to resolve. Some providers may also not cover commercial properties.
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What is a Boiler Cover?
Boiler cover, or boiler insurance or boiler breakdown cover, is a service or insurance policy that provides protection and financial assistance in the event of problems or breakdowns with your home’s central heating boiler and, in some cases, other heating systems and plumbing. Boiler cover offers peace of mind by ensuring that if your boiler experiences issues, you can get it repaired or replaced without incurring significant unexpected costs.
Boiler Cover is a Type of Insurance Policy
If you’re a homeowner, you can get a boiler cover to protect yourself against expensive bills for home emergencies. This policy may include repairs to your central heating system, plumbing, and even drains. It can also include protection against pest infestations. However, it’s essential to understand what’s covered and what’s not before you buy one.
Some policies exclude boilers that are more than 15 years old. You might also find that some providers will only provide cover if your boiler is installed correctly. This can sometimes include a tundish not being fitted or the pipework into the boiler needing to be more adequate.
Some providers offer a free initial inspection before the policy starts. This inspection can highlight issues that might otherwise be overlooked, such as a build-up of sludge in your boiler. This issue can be difficult to resolve and might require a power-flushing service, usually outside the policy. However, this is an excellent way to check your boiler before deciding on a policy.
What are the Benefits of Boiler Cover?
Here are the key features and components of the boiler cover:
- Boiler Repairs: Boiler cover typically includes coverage for repairs if your boiler breaks down or malfunctions. This can encompass various components, such as the boiler’s heating element, controls, pumps, and valves.
- Emergency Callout: Many boiler cover plans provide access to a 24/7 helpline for emergency callouts. If your boiler stops working or experiences a severe problem, you can request a technician to come and assess the situation promptly.
- Annual Servicing: Some boiler cover policies include an annual boiler service as part of the package. Regular servicing helps maintain the efficiency and safety of your boiler and can identify potential issues before they become significant problems.
- Parts and Labour: Boiler cover policies often cover the cost of replacement parts and the labour involved in repairing the boiler. This can save you from high repair bills.
- No Excess: Some policies have no excess, meaning you won’t need to pay additional fees when making a claim.
- Optional Add-Ons: Depending on the policy and provider, you may have the option to add coverage for other heating and plumbing systems in your home, such as radiators or plumbing pipes.
- Boiler Replacement: In cases where the boiler cannot be repaired, some boiler cover plans may include a boiler replacement service, providing you with a new boiler of similar specifications.
- Annual Cost: Boiler cover policies are usually paid for annually, and the cost can vary depending on factors like the level of coverage, your location, and the age and type of your boiler.
- Exclusions: It’s essential to read the terms and conditions of your boiler cover policy carefully, as there may be exclusions, such as pre-existing conditions, inadequate maintenance, or certain types of boilers not covered.
- Homeowner or Landlord: Boiler covers can be purchased by homeowners to protect their primary residence or by landlords who want to maintain their rental properties’ heating systems.
Boiler Cover Providers
- British Gas: British Gas is one of the UK’s largest and most recognized energy and home services providers. They offer a range of boiler cover plans, including boiler-only and central heating cover, with different levels of coverage.
- HomeServe: HomeServe specializes in home emergency and boiler cover. They provide various plans that cover boiler breakdowns, repairs, and servicing.
- Boiler Plan: The Boiler Plan offers comprehensive boiler and central heating cover, including annual servicing and maintenance options. They have a no-excess option for some plans.
- Corgi HomePlan: Corgi HomePlan offers boiler and heating cover with different plan options, including coverage for plumbing and electrical emergencies.
- Npower: npower offers boiler and heating cover plans, including unlimited callouts, parts, and labour costs for repairs.
- E.ON: E.ON provides boiler and central heating cover with various plan levels, including annual boiler servicing and inspection options.
- Scottish Power: Scottish Power offers boiler and heating insurance with different levels of coverage, including options for annual servicing.
- Direct Line: Direct Line offers home emergency cover that includes boiler breakdowns and repairs as part of their comprehensive plan.
- AA Home Membership: The AA provides home membership plans that cover boiler and heating breakdowns, including access to a 24/7 helpline and qualified engineers.
- Hometree: Hometree offers boiler and home care plans, including annual servicing, with transparent pricing and no excess on some plans.
- Worcester Bosch: If you have a Worcester Bosch boiler, the manufacturer offers its own service and maintenance plans tailored to their products.
When choosing a boiler cover provider, consider factors such as the level of coverage, cost, customer reviews, and any additional services offered. Be sure to read the terms and conditions of the policy to understand what is and isn’t covered.
Boiler Cover is a Legal Requirement
Having landlord boiler cover offers numerous benefits to the landlord and the tenants. These include peace of mind, financial security and annual servicing. However, it is essential to understand what a plan covers before purchasing one. This is because different providers offer different levels of coverage and a range of prices.
A good landlord boiler insurance policy should cover a wide range of repairs, including heating, controls, plumbing, and drainage systems. It should also cover gas safety checks and provide a 24/7 emergency helpline. It should also include an annual service by a gas-safe engineer and allow landlords to choose their preferred engineer.
Landlords must be able to grant access to their properties to engineers when necessary and must give new tenants a copy of the latest gas safety certificate. Landlords may also be able to choose whether to get insurance with or without a warranty. Generally, warranties and insurance serve different purposes.
Boiler Cover is a Good Investment
A boiler cover is a good investment because it helps you save money in the long run. It can prevent you from paying expensive repair bills and protect you in case of a breakdown. It can also save you the stress of dealing with cold and uncomfortable homes in winter.
You can get a good deal on boiler cover by shopping around. Many providers offer introductory offers for new customers, but the rates increase after the first year. It’s worth looking for a different provider yearly to ensure you get the best deal.
Some policies exclude older boilers, and others have a limit on the number of claims per year or the amount paid out in repairs. In addition, some cover providers may require that your boiler is serviced regularly before you claim. This ensures the system is in good working order and free from sludge and airlocks.
Boiler Cover Saves Money
Purchasing a boiler cover is an excellent way to save money on heating costs. Knowing that a professional will service your heating system regularly provides peace of mind, which can prevent unforeseen problems. It also helps to save on energy bills by keeping the heating system running at its optimal efficiency.
Increasing your excess can save money on a boiler insurance policy, but be sure to choose an amount you can afford to pay if you need to make a claim. It is also essential to check whether your policy covers your plumbing, electrics, and drains or whether you must purchase separate covers for each.
You can save money on a boiler cover plan by shopping for the best deal and switching providers when your introductory offer ends. Many policies will increase their rates after the first year, so it is worth checking how much the renewal will be before committing to a contract.
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