The cost of boiler repairs is covered by the boiler breakdown cover. It pays for boiler maintenance and repairs. If your boiler breaks down, your contract provider dispatches a gas-certified professional to diagnose and repair the problem.
If your home insurance policy does not include boiler repair as a normal benefit, you should consider purchasing boiler breakdown insurance. You’ll need to look at a few factors, including your boiler’s kind and age.
These are the criteria used by boiler cover providers to evaluate whether or not you are eligible for a policy. For the boiler breakdown cover that you choose, you pay a monthly or annual premium.
Apart from yearly boiler service, a carbon monoxide test, and a gas safety inspection, some companies include the following in their boiler covers:
1. Central Heating System
The majority of homes have central heating systems that are linked to boilers. As a result, some plans encompass the central heating system as well. Others require a separate add-on to cover central heating. If your boiler cover plan includes central heating, you’ll have a lot less to worry about.
You won’t have to worry about your central heating system’s pumps or motorized valves. They, as well as your fittings, interconnecting pipelines, and expansion tanks, will be covered.
2. Electrical Breakdown
Some policies additionally include coverage for an electrical breakdown. Repairs to the mains wiring and electrics are frequently covered by these plans. You can rest assured that the plan will cover any circuit breakers or fuse boards.
3. Home security
Most boiler covers provide protection for boilers, central heating, plumbing, and electrical systems. They include protection for the home.
This includes the expense of gaining emergency access if you lock yourself out of your house, as well as the cost of repairing external door locks, replacing lost keys, and replacing broken windows or doors.
4. Pest control
Insects may hide in crevices and gaps and we often don’t check. They can cause major damage to both your home and your health. Dealing with local pest control firms can be inconvenient and expensive. Combining your pest control and boiler services can help you save a lot of money.
What Should You Look For When Buying A Boiler Cover?
Your goal should be to receive the most coverage possible when choosing a boiler breakdown policy. You’ll be able to pick the finest plan using these guidelines:
1. Choose the plan with the most features
As you’re paying extra to protect yourself in the event of an emergency, make sure you receive the most coverage possible. You will have peace of mind because your boiler and central heating will be insured. In their most complete plans, some companies additionally include drainage, plumbing, and pest management.
2. Look for a boiler cover package that includes free annual boiler service
This will guarantee that the system will run without a hitch. Once a year, the free annual service is utilized. It could, however, be related to boiler upkeep.
Some companies give more information including a free gas appliance inspection in their monthly fees. This will save you money on having to hire other companies to inspect the extra appliance.
The bottom line
Although boiler breakdown insurance is not required, it can provide you with peace of mind and help you save money.