A Guide to Insurance Cover For Boilers

There is not much you can do when a boiler malfunctions. But you can do something about the breakdown of your boiler having a significant impact on either your bank balance or your daily life. 

Boilers play a vital role when it comes to maintaining a comfortable temperature in homes. Yet when they fail, we really start to gain an understanding of how important they really are. A failing boiler isn’t an easy or cheap item to fix, yet it will be something that requires a quick repair when it plays up. 

This is the reason why boiler insurance is so important. 

It will provide a bit of assurance knowing that you have protection from some of the expenses that are involved in boiler repair. Call-out fees are typically covered by many of the insurance policies for boilers. So are the labor costs for the engineer and the prices for most parts that you might be needing to repair the boiler problem. 

Many of the insurance packages for boilers will also include a service annually within the policy, which offers a handy method to ensure a professional eye inspects your boiler every 12 months. 

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Do You Need Boiler Insurance?

If you want a fast solution to your boiler issues that won’t break the bank, investing in landlord or homeowner boiler insurance would be a wise move. Some can get help with boiler cover.

First check on your current contents and building insurance, since it might include boiler insurance. New boilers (those that were installed in the past 5 to 10 years) might still retain a manufacturer’s warranty that is valid. This could be extendable when the contractor that installed the boiler has Worcester or Vaillant accreditation. Boilers that are older will no longer be under warranty and are usually impossible or very expensive to insure. If you are a tenant, your landlord has the responsibility of sorting out insurance for the boiler. 

Do I Need A Manufacturer’s Warranty With My Boiler Insurance?

It will depend on the “terms and conditions” of the warranty. In most cases, these warranties will not provide coverage when the problem with the boiler comes out due to another part of the central heating setup. This means you will end up paying for the repairs when you do not have cover for your boiler. 

There are also other advantages linked to coverage for your boiler that might not be available through the manufacturer’s warranty:

  • Unlimited callouts (this may vary from one supplier to the next)
  • Annual boiler service for free
  • Access to a 24/7 customer helpline
  • Repairs to the controls of the boiler are included

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Central Heating Insurance Vs. Boiler Insurance

Here are the differences between these two:

Boiler insurance will only cover the boiler and the boiler controls.

Central heating insurance will cover things linked to the central heating such as the controls, the boiler, radiators, pipes, tanks, hot water cylinders, vents, etc. 

What Type Of Boiler Insurance Will I Need?

The policies for boiler coverage are all similar, yet closer comparison and scrutiny will typically reveal the key differences, usually in 1 or more of these areas:

  • Helpline availability (not all are 24/7) 
  • Monthly costs
  • Excess (in some cases you won’t have to pay in)
  • Annual claims, certain policies will have a limit on the claims you are allowed to make in a year, while others provide unlimited claims