Boiler cover is a type of policy that protects homeowners from the cost of repairing or replacing their boiler and heating system.
It addresses a variety of potential issues, such as boiler breakdown, central heating repairs, and hot water supply issues.
You require boiler central heating insurance both to protect yourself from unexpected repair costs and to ensure that your heating system is properly maintained.
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Cheaper Boiler Cover >Different Types of Boiler Cover Policies
There are many boiler cover policies available, which can be confusing, but they all included different levels of protection or cover. Everyone is different, so choosing the best option for you is important. Here are some of your options:
Boiler breakdown cover:
This type of policy only provides protection for the boiler, covering repairs or replacements in case of a boiler breakdown. This will only cover the boiler itself and not the surrounding pipework, electrics or other connections. A free annual boiler service is included in every breakdown and cover plan.
Central heating system cover:
Central heating cover offers protection for the entire heating system, including the boiler, radiators, pipes, and heating controls. Central heating cover can be very useful if you have an older central heating system with a heightened chance of boiler breakdown.
Home emergency cover:
Home emergency cover provides protection for a range of emergencies, such as pest infestation, plumbing problems, and breakdowns. This can be very handy if you have an older home with an increased risk of drainage problems.
Landlord boiler cover:
This cover is specifically designed for landlords and provides protection for their boilers in rental properties. This will include a landlord boiler service as well as a CP12 certificate. This gas safety check must be done every year along with the annual boiler service.
Cheaper Boiler Cover >Benefits of Boiler Cover
The key benefits of boiler cover includes:
- Peace of mind: Knowing that your heating system is protected against unexpected breakdowns allows you to remain calm.
- Unlimited callouts: Your boiler cover policy can offer unlimited call outs, meaning that you can get help whenever you need it.
- Regular servicing: Regular servicing ensures that your boiler as well as your heating system are maintained properly, reducing the risk of breakdowns and improving efficiency.
- Economical repairs: Your boiler cover policy may offer economical repair options, helping you to save money on labour costs and spare parts.
Range of Options for Boiler Cover
Boiler cover options typically offer cover for:
- Boiler breakdowns: Most policies offer boiler breakdown cover in case of a breakdown or malfunction.
- Central heating repairs: Policies may also cover repairs to the boiler or central heating, including radiators, pipes, and controls.
- Hot water supply issues: Policies may also cover issues with the hot water, such as a faulty cylinder or immersion heater.
- Yearly boiler service: Some policies include a annual service call out, which is important for maintaining the efficiency and safety of your boiler or heating system.
- Replacement boilers: Some policies may cover the cost of replacing your boiler if it is beyond repair or deemed unsafe.
Boiler Cover Costs and Price
Boiler Service Plan £8.99
This annual service plan priced at £8.99/month can offer homeowners several benefits, such as:
- Reduce energy consumption and save on energy bills
- Identify any potential issues before they become serious
- Save on costly repairs
With all of these benefits, a boiler service plan costs just £8.99/month and can be an affordable and reliable way to ensure that your home’s central heating is well-looked after.
Boiler Cover – £13.99
For just £13.99 per month, this Boiler Cover plan can provide homeowners with ease that their home’s heating is protected. This plan offers several benefits, including:
- It has a free annual boiler service included
- Covers both the boiler and controls
- The plan also includes a carbon monoxide test
- This plan covers the cost of a replacement boiler
- And, in case of an emergency, the plan includes a 24/7 365 emergency helpline staffed by a nationwide network of professionals who can offer assistance whenever it’s needed.
With all of these benefits, this Boiler Cover plan priced at £13.99/month can be an affordable and reliable way to protect your home’s heating and ensure that you’re never left without heat or hot water.
Cheaper Boiler Cover >Boiler and Central Heating Cover – £21.99
The Boiler & Heating plan, priced at £21.99, provides comprehensive cover for your boiler and heating. This plan covers you for any unexpected breakdowns or faults with your gas, central heating that may occur, ensuring that you have access to qualified engineers who can quickly diagnose and repair any issues.
Some of the advantages of this plan include peace of mind, as you can rest assured that your boiler and your heating are in safe hands. Additionally, the plan provides you service agreements for you with access to priority service, meaning that if you have an emergency, you will be given priority over non-plan customers, with the ability to call out as much as you want.
Complete Cover – £26.99
This complete boiler cover costs £26.99 per month it is a comprehensive package deal that offers call out cover for a range of home-related issues such as:
- Boiler and central heating systems
- Home electrics
- Gas supply pipes
- Drainage
- Roofing and security
- Pest removal and lost keys.
One of the key benefits of this package is that it includes a free boiler service that happens annually, which is essential to keep your boiler in good working condition and prevent breakdowns.
Cheaper Boiler Cover >Exclusions and Limitations of Boiler Cover
It’s important to note that some boiler cover policies may come with exclusions and limitations, which can vary depending on the provider and type of policy. Some common exclusions and limitations include:
- Age limits: Policies that have age limits on boilers or properties ensure that only newer and well-maintained equipment is covered, providing better protection for customers and reducing the likelihood of breakdowns.
- Pre-existing issues: Policies that exclude pre-existing issues or problems protect insurers from having to cover damages that were not caused during the policy period, which helps to keep premiums low for all customers.
- Wear and tear: Policies that exclude repairs or replacements due to normal wear and tear ensure that customers are only covered for unexpected and accidental damages, preventing abuse of the policy and keeping premiums affordable.
- Maintenance requirements: Policies that require regular maintenance for boiler and central heating systems help customers to keep their equipment in good condition and prevent breakdowns, ultimately saving them money and inconvenience in the long run.
How to Find the Right Boiler Cover
To find the right boiler cover, you should consider factors such as cover options, claims limit, initial no claims period, and the reputation of the provider.
Many providers such as British Gas HomeCare offer boiler cover, so it’s important to double-check the terms and conditions of each policy to make sure that it meets your needs. You can also ask for recommendations from friends and family, or consult online reviews to find boiler cover providers right for you.
Cheaper Boiler Cover >How Does Boiler Cover Work?
Boiler cover works by providing protection against unexpected repair costs for your boiler and central heating. Such as:
Boiler failure:
Your boiler breaks or fails unexpectedly, leaving you without heat, boiler cover can cover the cost of maintaining or repairing the boiler, so you don’t have to spend your own money buying a new gas boiler.
Leaking boiler
A leaking boiler is obviously a major issue, therefore if your boiler is leaking water, then you need to get an engineer to look at the issue quickly before it causes even more damage.
Burst pipes:
During a cold spell, your home’s pipes may freeze and burst, resulting in water damage and the loss of your heat and causing a home emergency. The expense of fixing the pipes and any harm brought on by the water can be covered by the boiler cover rather than using any plumbing company.
Faulty thermostat:
The heat in your home will turn on and off when it shouldn’t, if your thermostat is malfunctioning, which will increase your energy costs. Boiler cover provides financial assistance for thermostat maintenance or replacement.
Overall, boiler cover can provide comfort and financial protection against unexpected repair costs for your boiler and central heating system.
Cheaper Boiler Cover >Do You Need Boiler Cover if You Have a New Boiler?
Yes, even if your boiler is brand new, you still need boiler cover. Although new boilers are more reliable and efficient than older boilers, they can still fail unexpectedly.
Furthermore, boiler cover can provide you with regular maintenance servicing, which is essential for keeping your central heating efficient and safe.
What happens if my boiler cannot be repaired?
If your boiler cannot be repaired, it may need to be replaced. The decision to replace your boiler will depend on a number of factors, such as the age of the boiler, the severity of the damage, and the cost of repair versus replacement.
If the boiler is old and the cost of repair is high, it may be more cost-effective to replace it with a newer, more efficient model. Your boiler cover provider may offer a contribution towards the cost of a new boiler if a replacement is necessary, but this will depend on the terms of your policy.
What if I relocate to a new home?
If you relocate to a new home, your boiler cover policy may not automatically transfer to your new address. Make sure your boiler cover provider knows you have changed your address and check whether your policy is still valid in your new location.
In some cases, you may need to cancel your existing policy and purchase a new one for your new home. It’s important to check the terms and conditions of your policy to ensure you are covered for any repairs or replacements at your new address.
Cheaper Boiler Cover >After purchasing cover, how quickly can I make a claim?
New customers have a timeframe for making a claim. Your boiler cover policy will depend on the terms and conditions of your policy. Some providers may require you to wait a few weeks, some may take time before making a claim, this is known as a “waiting period” or a “no claim period.”
Once the waiting period has passed, you can typically call out make a claim immediately if you need your boiler serviced or repaired/replaced. It’s important to familiarize yourself before a call out, with the claims process outlined in your policy, including any documentation or evidence required to support your claim.
Will I lose my boiler cover if I change energy suppliers?
Changing energy supplier should not affect your boiler cover policy, as it is typically separate from your energy contract. However, it’s important to check the terms and conditions of your policy to ensure that you are still covered if you switch energy suppliers.
In some cases, you may need to inform your boiler cover provider of your change of supplier as per the service agreement, as they may require certain information about your new supplier or energy plan in order to update your policy.
Cheaper Boiler Cover >Boiler Cover FAQ’S
What is Boiler Insurance?
Boiler insurance, also referred to as gas boiler insurance, provides valuable protection by covering the cost of repairs and replacement parts in the event of a boiler malfunction. With this cover, you can have a freedom from worry knowing that you’ll have the support you need to quickly resolve any issues that may arise with your boiler.
For homeowners wishing to safeguard themselves against unforeseen costs associated with their property, a boiler insurance can be a worthwhile investment.
Is Boiler Cover the Landlord’s Responsibility?
In most cases, boiler cover is the landlord’s responsibility. If you’re a landlord, you’re legally required to provide your tenants with a safe and properly maintained central heating.
This includes arranging for safety inspections, repairs, cover and an annual boiler service. However, it’s important to check the terms of your tenancy agreement to see if there are any specific requirements or exceptions.
Is Boiler Cover the Same as Home Insurance?
No, boiler cover is not the same as home an insurance policy or home cover. While home insurance covers your home and its contents against damage or loss, boiler cover specifically protects your boiler and your central heating against breakdowns and repairs.
Some home insurance policies may include boiler cover as an optional extra, but it’s important to check the cover and limits of your policy.
Cheaper Boiler Cover >Is Boiler Breakdown Cover Essential for Homes?
When your boiler breaks it can be a frustrating issue for homeowners, and they can be costly to repair. Investing in boiler insurance or breakdown cover can provide peace of mind, especially for older boilers.
These policies typically include call outs and cover the cost of repairs or a new boiler if needed. It’s important to understand what is covered under your insurance policy, and if an annual service is required to maintain coverage.
Additionally, some home insurance policies may include boiler cover or tools insurance, so it’s worth checking to see if you already have cover. Overall, a financial group limited recommend that homeowners consider investing in boiler breakdown cover or insurance to protect against unexpected expenses.
Can You Self Insure for a Boiler Breakdown?
Yes, you can self insure for a boiler breakdown, but self insuring may not be the most cost-effective option due to the involvement of you having to basically save up.
Self-insuring involves setting aside a certain amount of money each month to cover any unexpected repair costs, but if this happens quickly after you start saving, you may not have enough funds.
While this can work for some homeowners, it may not provide adequate protection against large or complex boiler repairs such as a faulty heat exchanger. In addition, self-insurance doesn’t provide you with an emergency contact number and the peace of mind and other benefits of a comprehensive insurance policy.
What is the Financial Services Compensation Scheme and Why is it Important for Boiler Cover?
The FSCS is a UK government-backed scheme that provides protection to consumers in the event of their boiler insurance cover provider going out of business.
They are a appointed representative, so if your boiler cover provider is regulated by the FSCS and goes bankrupt, you may be able to claim compensation for any losses you incur. This is an important safeguard for consumers and provides additional peace of mind when choosing boiler cover.
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