Boiler insurance - Why it’s worth every penny

Posted on 5/8/2019

Your boiler is at the heart of your home. It keeps your house warm and cosy in winter, and makes sure you have hot water all year long. It’s reliable and usually demands very little attention. But sometimes, even the most dependable appliances break down.

If this happens – and you don’t have cover – a boiler repair could cost you hundreds of pounds, while a new one could cost even more. And with no hot water or heating at a time when you need it most, you’ll want to fix it sooner rather than later.

Protecting your boiler and its parts

Boiler cover is designed to look after the health and inner workings of your boiler. With this type of insurance, you’re likely to have access to a call centre 24 hours a day, seven days a week, to report a broken boiler. The insurer will then send an engineer to fix your boiler.

Depending on the type of cover you choose, labour and parts can be included too. And many policies come with an annual service or regular maintenance checks.

If you decide to go for a comprehensive policy, you can also arrange cover for your central heating, plumbing and wiring.

When to get cover

If you’re a tenant, your boiler is still under warranty or covered by your home insurance, you don’t have to take out an additional policy.

If your boiler is old and no longer under warranty, getting insurance makes sense. It’s also worth keeping an eye on your boiler’s behaviour. If the pressure is rising or falling regularly, the pilot light burns orange or the boiler makes clunking, hissing or ticking sounds, it may be worth getting a service and arranging cover.

Things to think about

If you do decide to get boiler cover, remember to shop around and compare all levels of insurance. It’s also important to make sure the engineers in your agreement are Gas Safe registered and qualified to fix your boiler.