Boiler insurance, also known as boiler cover, covers the costs of repairs and sometimes even replacement of your home boiler. With boilers being at the centre of a home’s hot water and heating supply, experts are surprised that most homeowners do not have this kind of insurance.
The types of boiler insurance are separated by how much they cover, and this has a direct affect on the price. For example, cover for your boiler only will be the cheapest, but it will only cover the actual boiler itself and the heating controls on it. It often does not include an annual service.
Insurance that covers the full heating system are typically the most expensive. They include all of the pipes, radiators and valves to do with your central heating system, and usually an annual service.
Insurance that covers the full heating system are typically the most expensive. They include all of the pipes, radiators and valves to do with your central heating system, and usually an annual service.
Unfortunately, boiler cover can get confusing. Some insurance policies will include a breakdown cover, that will sometimes cover parts and labour costs and sometimes won’t. Others may include a helpline and a speedy call-out in a basic package; for others this may only be included in a premium cover package.
Exceptions are also something to be taken into consideration; call-outs can sometimes cost more in certain areas, and the age of your boiler may have a significant effect on your policy, even making the boiler ineligible for cover.
The best thing to do when buying boiler insurance is to shop around and do your research, taking care of exceptions and specifications of each policy. This may sound a nuisance, but you will fine the time and effort will pay off if one day something goes wrong.
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