In common with many types of household insurance, there are a variety of different levels of boiler cover, which include or exclude a range of factors to do with your boiler and wider central heating system. If you are looking to compare boiler cover from the different operators, it is vital that you consider which of these factors are most important to you, then plan accordingly.
Whether you are brand new to boiler coverage plans, or have some experience with these packages, we have put together a set of the most frequently asked questions that people have when they need to compare boiler cover.
With the boiler being a vital part of the home, providing central heating as well as hot water, it’s one of the last things that you would want to break down. Repair work on a faulty boiler can be expensive and finding a trusted and qualified plumber, especially if you are new to the area, can be an additional headache.
Boiler cover removes all of the stress from getting your boiler back up and running in the event of a breakdown. A qualified engineer will be dispatched after you contact the dedicated call centre to advise your cover provider of the issue, and repair costs will either be a flat fee or included in your plan.
At a basic level, there are three different levels of boiler cover available. The basic packages just cover the boiler and its controls. These will usually come with a 24/7 call centre in order to arrange call-outs for an emergency breakdown. Most of these packages will also include an annual service and/or maintenance visit to keep the boiler in optimal condition.
The next level of cover is boiler and central heating cover, which will usually include all of the benefits of a basic boiler plan, in addition to including repairs for any issues within your wider central heating system. This will cover aspects such as the radiators, flue and pumps.
The top level boiler cover includes central heating, plumbing and wiring. More akin to a total homecare package, these top level plans add plumbing, drains and electrical wiring to the maintenance offered.
Generally speaking, boiler cover should be taken out by any homeowner. This helps to avoid the pain of paying for an expensive repair in the event of a breakdown. If you are not the homeowner, the responsibility for repairs falls to the landlord, and it is probably in their best interests to take out a boiler cover plan.
Some boilers may not be able to be covered under a home boiler package, such as those in mobile homes, bedsits or commercial premises. Other exemptions include boilers over a certain age or those which have not been subject to annual inspections and maintenance. It is always a good idea when making a boiler cover comparison to check these areas of the policies carefully if you feel that your boiler may fall into one of these categories.
Additionally, when you’re undertaking a boiler cover comparison, it is important to check whether there are any restrictions in place, such as a time limit on how long engineers can spend repairing or servicing your boiler, or if you are limited to a maximum number of claims per year. There may also be a waiting period after policy inception to prevent someone from taking out boiler cover and then claiming straight away.
Take advantage of the advanced comparison technology here at Bright Compare! We show you a range of competitive offers from leading providers, based upon the information you provide. The cost of boiler cover will vary dependent on a number of different factors, including the size of your home, how it is heated and the age and make of the boiler. The extent of cover you select will also make a difference to your monthly premiums.
Other factors include whether there is an excess or call out charge when you need a repair, with cheaper monthly plans often coming with these additional costs if a repair is needed. Similarly, you should compare the way in which you can make a call out. If you live in a remote part of the country, it would also be wise to ensure that your area is adequately covered by engineers.
This will vary greatly based on a number of factors. One of the busiest times for engineers is the first couple of weeks in autumn when central heating systems are fired up for the first time after the summer break. At this point, any faults developed over the summer are uncovered for the first time and engineers can end up being swamped with calls.
Most cover providers will aim to attend emergency call outs within 24 hours, but other appointments will generally be arranged within a few days, with variance based on your location and how busy the engineers are.
If your boiler is deemed beyond economical repair, there are some options available. Some providers may offer a discount on the cost of a new boiler, whilst others even offer a new boiler if it cannot be repaired. Look carefully at the policies when comparing deals to enable you to choose the best option for your boiler.
Given the average life of a boiler, most insurers are somewhat reluctant to cover boilers if they are more than 15 years old. Older boilers may result in a restricted choice of providers, and you may find that your monthly payments are higher than average.
Sometimes, it may be necessary to have your boiler inspected prior to cover being arranged if the boiler is older than around 7 years. If the boiler is in poor condition, cover may be refused.
You will need to weight up whether you want cover for just your boiler or your whole central heating system. The whole central heating system option is likely to cost more. Remember to always read policy before taking out any kind of insurance. To make sure that the level of cover is right for you because it depends from different providers.
Studies show that one in five boilers broke down at least once in a 12 month period. With an average repair cost of £270 most people would be save then sorry and compare boiler cover.
Yes, with boiler cover in place and in the event that your boiler breaks down and leaves with no hot water and heating. The boiler cover will cover you for call outs to repair your boiler.
Yes it is a good idea to compare different boiler cover insurance plans as each one is different for customer needs. Get a comparison on the different boiler cover insurance plans and choose a plan and deal to suit yourself.
Here at Bright Compare we have teamed up with the top boiler cover insurance provider to offer you the best deals and prices to suit you needs when comparing boiler cover insurance.