Is Boiler Cover Worth It? Complete Guide for Homeowners

Boiler cover is an insurance policy that protects your boiler and central heating system against breakdowns and repairs. Types of boiler cover plans vary, offering coverage from basic repairs to full system protection, including annual service checks. Benefits of having boiler cover include peace of mind, protection from unexpected costs, and ensuring your home stays warm and safe throughout the year.

So, let’s ask that question: Is boiler cover worth it?

Well the answer depends on a number of factors, including:

• The age and condition of your boiler
• Your budget
• Your risk tolerance
• Your home insurance policy

What is a Boiler Cover?

Boiler cover is a type of insurance. It protects your boiler and heating system from breakdowns and costly repairs. It usually includes various protection levels. Basic plans cover essential repairs. Comprehensive options add annual servicing, parts replacement, and full central heating system coverage. Boiler cover avoids sudden costs. It ensures regular maintenance. It extends your boiler’s life, keeping your home warm and safe.

What does boiler cover include?

Boiler cover usually includes repairs for your boiler, and labor. It may also cover parts replacement. Some plans may cover your entire central heating system. This includes the radiators, pipes, and controls.

How does boiler cover work?

When your boiler breaks, you contact your provider. They will send an engineer to your home. If repairs are needed, they will be done per your policy. They are often at no extra cost to you.

Who needs boiler cover?

Homeowners with old boilers, or those wanting to avoid repair costs, benefit most from boiler cover. It is especially useful if your boiler is out of warranty. Also, if you live in an area where heating is essential for most of the year.

How much does boiler cover cost?

The cost of boiler cover varies depending on the level of coverage, your boiler’s age, and your location. On average, basic plans start from around £6 per month, while more comprehensive options can cost upwards of £20 per month.

What happens if I don’t have boiler cover?

Without boiler cover, you would need to pay for any repairs or replacements out of pocket. This can be costly. Major repairs or a full replacement of your boiler can be very expensive. Regular maintenance checks are less likely. This may lead to serious issues over time.

Is boiler cover different from home insurance?

Yes, boiler cover is separate from home insurance. Home insurance may cover damage to your property. But, it usually does not cover boiler breakdowns or repairs. Boiler cover specifically protects your boiler and heating system.

Benefits of Having Boiler Cover

Boiler cover protects you from high repair costs. It ensures you won’t face big bills when your boiler breaks. Regular servicing, often in boiler cover plans, helps your boiler. It keeps it efficient, cuts energy bills, and extends its life. Boiler cover gives you peace of mind. Qualified engineers are just a call away. They provide prompt service and expert repairs whenever needed.

How does boiler cover save money?

Boiler cover saves money. It covers repair and maintenance costs. So, it prevents high out-of-pocket expenses. Regular servicing also improves efficiency, which can lower your energy bills over time.

What are the convenience benefits of boiler cover?

Boiler cover offers convenience. It gives quick access to qualified engineers. This reduces the time spent searching for a good service provider. This means faster repairs and less disruption to your daily routine.

Does boiler cover improve safety?

Yes, boiler cover improves safety. It ensures regular maintenance checks. These can find and fix potential hazards before they become serious. This reduces the risk of carbon monoxide leaks and other dangerous issues.

Can boiler cover extend the lifespan of my boiler?

Boiler cover can extend your boiler’s lifespan. It ensures regular maintenance and quick repairs. Regular servicing keeps the boiler in good order. It prevents wear and tear from causing major issues.

Are there different levels of boiler cover?

Yes, boiler cover plans vary in protection. Basic plans cover essential repairs. Comprehensive plans include full system protection and annual servicing.

How do I choose the right boiler cover plan?

Choosing a boiler cover plan depends on your boiler’s age, your budget, and the protection you need. Consider the repair costs, the need for regular servicing, and if you want full system coverage.

The pros and cons

Here are some things to consider when deciding whether or not to get boiler cover:

• The cost of boiler cover: It can be expensive, so it’s important to compare quotes from different providers to get the best deal
• The level of cover: Boiler cover packages vary in the level of cover they offer. Some plans only cover repairs, while others also cover the cost of a new boiler if yours is beyond economic repair.
• The excess: Boiler cover plans usually have an excess, which is the amount you will have to pay towards a repair before the policy kicks in. The higher the excess, the lower the cost of your cover, but you will have to pay more out of pocket if your boiler breaks down.
• The terms and conditions: It’s important to read the terms and conditions of any boiler cover policy carefully before you sign up. This will ensure that you understand what is covered and what is not.

If you are still unsure whether or not boiler cover is right for you, you can always speak to a financial advisor. They will be able to help you assess your individual circumstances and make a recommendation.

Or you can talk to our friendly team, who will be able to answer any questions you may have.

Need help with your boiler or heating system? Contact us today