Your boiler is one of the most important appliances in your home. Responsible for providing both hot water and heating, it’s safe to say that you rely heavily on your central heating system all year round.
Due to the rate at which your boiler system is used, system breakdowns can be quite common. This is especially the case in winter, ironically when you’re likely to need your boiler the most.
When an issue with your boiler system arises, you want to get it sorted as soon as possible. That’s where boiler cover comes in. But what is boiler cover and is it included in your home insurance?
These are the questions we’ll be answering in this informative guide, so keep reading to find out whether you can save costs on boiler repairs and replacements through your existing home insurance plan.
What is boiler cover?
Boiler cover is a form of insurance that you can get specifically for your boiler. A great safety net for your heating system, boiler cover can help to ensure that you get a repair or replacement for your boiler in the event of a breakdown or fault. Additionally, as boiler repairs and replacements can be quite expensive, a great advantage of boiler cover is that it helps to cover the cost of this labour, saving you from having to pay large amounts to get your home heating back up and running.
Boiler cover typically helps with boiler breakdowns and central heating repairs. However, some boiler cover policies can also help with:
- Boiler servicing
- Plumbing and drainage repairs
- Electrical wiring
- Pest removal
Do I need boiler cover?
Boiler cover is certainly something you should invest in if you want to avoid having to pay expensive repair or replacement fees in the event of a boiler breakdown. It’s a good idea to get your boiler covered at the installation stage, as some insurers do not cover boilers over a certain age; usually those over 15 years old. As your system gets older and less efficient, boiler cover becomes even more important as faults and breakdowns are more likely to occur.
You should get boiler cover if you’re a homeowner or landlord. If you live in a rented property, it is not your responsibility to organise boiler cover, the onus lies with your landlord. See our page on boiler cover for landlords for more information.
Additionally, if you’re a tenant, we recommend having a discussion with your landlord about their current boiler protection policy to ensure that you are well-informed about your rights as a tenant.
Is my boiler covered by my home insurance?
If you’re a homeowner, it’s a good idea to check whether boiler cover is included in your home insurance before signing up to a new boiler cover plan. You should be able to find out this information by looking at your insurance documents. You can also get in touch with your provider and ask them for these details. However, please note that most standard home insurance policies do not cover boiler systems.
Some home insurance policies may cover the cost of damages caused by boiler issues, for example, you may receive assistance for damage caused by water or oil leaking from your boiler system. Additionally, some home insurance companies offer boiler cover as an add-on to your standard form of home cover.
What types of boiler cover are available?
There are different types of boiler cover available. The main forms of cover include:
- Boiler and controls – This is the basic form of cover which offers protection for just your boiler and its controls.
- Cover for your entire central heating system – A more comprehensive form of boiler cover, central heating breakdown cover typically insures your boiler system as well as everything connected to it, such as radiators and plumbing.
What can I do if I’ve bought a new property with a broken boiler ?
Unfortunately, if you have already signed the paperwork and officially purchased the home, it becomes your responsibility to pay for any repairs or replacements needed for your boiler. This is another reason why it is useful to get boiler cover as soon as possible.
All potential home buyers are advised to discuss with the seller the condition and efficiency of the existing boiler system within the home before buying the property. You should also get written confirmation of these details.
It is also recommended that you hire a trained Gas Safe registered engineer to conduct a full service on your prospective property’s heating system to ensure that everything is in working order.
Can I sell a home with a broken boiler?
A broken boiler is especially inconvenient if you’re trying to sell your home. Due to the huge role that boilers play within a household, a broken or faulty system can be a big put-off for potential buyers.
Nevertheless, you can still keep your property on the market even if the existing boiler system is broken – however, you must be upfront and honest about this with potential buyers.
In this situation, you typically have two options: one, you could pay to get the boiler fixed to make your property more appealing to buyers. This will be easier and less expensive to do if you have boiler cover, otherwise, this could prove to be a costly expense.
Your second option is to reduce your selling price in accordance with the cost of getting a new boiler installed. This way, your buyers don’t incur any unfair extra costs due to the broken boiler.
Either way, in both cases, having a boiler cover plan could save you money and potentially make it easier for you to sell your property.
Getting your boiler covered with Power Compare
All in all, it’s clear that boiler cover is a significantly beneficial form of insurance to have in place. You can get great peace of mind from knowing that your heating system is covered in the event of a breakdown or fault. Not only can boiler cover help to ensure that your home heating gets fixed quicker, but it can also save you from having to pay large sums of money for boiler repairs and replacements.
Interested in getting boiler cover? If so, look no further than Power Compare. We offer access to excellent boiler cover plans to protect your home heating and provide you with an added sense of security.
Find out more about our boiler cover options today.