Boiler cover is a type of insurance that you can take out to protect your boiler. If your boiler breaks down, you’ll have peace of mind that a Gas Safe-registered engineer will come and investigate the problem to try to fix it. Usually you’ll be covered for repairs, including labour and spare parts, but you might also have yearly servicing included along with other extras.
Why should I get boiler cover?
If your boiler is a few years old, the risk of it breaking down will increase with every year. Getting boiler cover protects you from costly repairs, as you’re spreading the cost monthly. If you’re worried about not being able to cover repairs, boiler cover is a good idea. You can often buy boiler cover with your yearly services too, so you don’t have to worry about sorting it out separately.
Do you need boiler cover?
Are you worried about boiler breakdown? Yes, you probably should! As a home or property owner, heating system issues are definitely one challenge you’d definitely want to avoid. Hence, you’d might want to consider getting a boiler cover to help keep your home warm especially during the winter months and putting your mind at ease. Most boiler cover plans offer a monthly price which is highly beneficial when compared to pay a huge lump sum at once. In this post, we’re going to consider some of the reasons why you need boiler cover asides avoiding costly repairs and peace of mind. Let’s take a look!
- Unexpected boiler breakdown. When it comes to boilers, no matter how great it is, you cannot always predict a fault or breakdown. However, you should know the older boilers have a greater risk of breaking down more often. Plus, high efficiency modern boiler models aren’t exempted from breaking down either.
- Annual boiler service. To ensure they continue to work efficiently and safely, all boilers need annual service. When a Gas Safe engineer visits your home to inspect the boiler, they’ll also diagnose it to detect any underlying fault. Outside the boiler cover, you’ll incur about £70 to £90 for the annual boiler service.
- Access to Gas Safe registered engineers. Boiler cover providers ensure that Gas Safe registered engineers are readily accessible to their customers. Therefore, you won’t have to be looking for qualified engineer when in need of a repair work. All you need do is make a claim and your boiler cover provider will make available a Gas Safe registered engineer to fix the boiler problem.
What types of boiler cover are there?
Generally there are two types of boiler cover. The first type only covers your boiler and its controls for repairs and often servicing, whereas the other type covers your entire central heating system. It usually includes all of the plumbing and radiators, so it will be more expensive. However, replacing or repairing your entire central heating system could cost thousands, so taking out full cover if your system is getting old is a good idea.
Will taking out boiler cover save me money?
If your boiler goes wrong and you don’t have boiler cover, it could be very expensive to repair. Having boiler cover protects you from having to spend a huge amount on labour and spare parts, so it could definitely save you money in the long term. It also saves you the worry of your boiler going wrong and not having the money to cover the cost of repairs upfront, as it will all be included in your monthly payments.
How Much does Boiler breakdown cover cost per month?
Just like every other home appliance, to guarantee the effective and efficient running of your boiler and to keep your home warm, it’s important to see that your boiler is serviced on a regular basis by a licensed boiler engineer. Not only because the failure to do so will automatically invalidate you from the warranty usually provided by most boiler manufacturers, but because it can result in sudden boiler breakdown which can be a hard hitting blow to one’s financial power especially when there’s no boiler cover to cushion the blow or totally avoid it all together.
When your boiler is covered, it implies that you’re protected in the event whereby your boiler or its control malfunctions or breaks. Several boiler cover will include the servicing cost, while some may not so it’s advisable to always go through the details, no matter how small, before entering into a boiler cover agreement. Typically, a boiler cover will cost between £60 to £100 per year and the payment is made on a monthly basis. Various boiler insurance companies have varying cover cost, however, here are the common boiler cover policies:
- Homeserve charges from £13 per month
- EDF Energy costs from £13.29 per month
- British Gas from £12 per month
- Scottish Power from £13.13 every month
- CETRI UK charges from £13.50 every month
- 24/7 home rescue costs from £9.60 every month
- Corgi Home Plan costs from £6 per month plus 3 months free
- Your repair charges from £9.60 per month
- NPower Boiler Cover costs from £10.92 every month
- SSE Boiler Breakdown Cover charges from £4.95 every month
It’s important to note that sometimes you have the option of adding your boiler cover to your existing home insurance, if you do not want a standalone policy for your boiler cover. In many scenarios, this is referred to as an extra or add on service referred to as “Home Emergency Cover”. When compared to the standalone boiler policies, this is usually a lot cheaper as it comes in around £5 per month.