A boiler cover is an insurance policy designed to cover both your boiler and your central heating. Usually, these policies can also protect your radiators, an immersion heater, pumps, and thermostats.
A standard boiler insurance policy will cover the cost of a call-out if your boiler stops working, as well as your boiler and central heating controls. You may need to pay a call-out fee, and there may be limits on the amount of labor you can claim.
With boiler cover, you usually pay an annual premium, which generally covers the cost of a boiler service each year. If you make a claim, your cover will usually include the cost of any parts or labour needed to fix a boiler breakdown. Here are frequently asked questions about boiler cover.
What is a Boiler Cover?
A boiler cover is a type of insurance that protects your boiler from unexpected repairs and costly breakdowns. It will help spread the cost over several months and significantly reduce the hassle and stress of boiler breakdown.
How Do I Know Which Kind of Cover to Buy?
When buying a boiler cover, there are several factors to consider. Understanding what cover you need will help you decide what policy to choose, and it could help you save a lot in the long run.
First of all, consider the kind of boiler you have. Most boilers in the UK are either combi or system boilers, but there are also heat-only boilers.
Second, you need to know how many appliances you want to be covered and your policy, including accidental damage and theft. With so many different kinds of cover available, finding the right policy for your home can be challenging. You can find out more here.
What Hazards am I Protecting Myself from?
The basics of boiler insurance include cover for damage to your boiler and boiler parts, and cover for damage to your central heating system, as well as cover for accidents.
Your boiler is likely to be covered by your home insurance, but if you have an older boiler that’s more than ten years, you may be better off taking out a separate boiler insurance policy.
The boiler cover won’t cover damage caused by wear and tear or by the application of incorrect fuel. It will also not cover you if the boiler is misused, for example, by leaving a kettle full of hot water for a prolonged period.
What Can Happen if I don’t have a Boiler Cover?
Several things can go wrong with a boiler. Without the right boiler cover in place, you may not receive compensation if you suffer from these problems. A boiler cover could be an invaluable investment for your home and your boiler. Boiler cover usually covers the cost of repair or replacement, including parts and labour and boiler breakdowns.
How Much Does a Boiler Cover Cost?
The cost of boiler cover will depend on some factors. For example, how old the boiler is, what type of boiler it is, and the level of cover you select.
Boiler cover varies, so it’s impossible to give a definitive figure on how much it will cost. However, some boiler cover policies start from as little as £5 per month, and within those policies, the price will vary depending on the type of boiler you have. Boiler cover shouldn’t cost the earth. An annual boiler insurance policy shouldn’t cost more than £100 for most small domestic boilers and around £150 for bigger boilers.
Boiler covers typically last between 1-5 years, so it’s worth shopping around to see if you can secure a cheaper deal.