Annual Boiler Service
Numerous policies may not pay for a croaked boiler because of no proper maintenance. They may not provide you a cover for adequate maintenance and cost of safety inspection. To avoid this situation, buy a yearly boiler service immediately after purchasing a new boiler. With appropriate annual service, you can prevent these issues. You may get an annual boiler cover in between £60 and £100.
Older Boilers will not Get Insurance
Many plans set an age limit for boilers for its insurance. It is not easy to get a cover for seven years old boiler. An insurance provider will inspect your boiler before approving protection. Before insuring an old boiler, you should consider the cost of new boilers. Insurance plans may not offer a replacement service for kaput boilers. Sometimes, you have to pay extra on the revamping of your boiler system before getting a cover.
Can’t Claim for the First Month
Almost every plan includes an initial no-claim period. This period may vary between 14 and 30 days. This period is reasonable to stop people from signing up to plans on the day of the boiler breaks down.
Types of Boiler Cover
You may find different types of heating and boiler cover and insurance. While buying a cover, it is essential to double-check your insurance plan. Carefully inspect the terms and conditions to buy a suitable policy. It will help you to avoid an over-covered or under-covered policy. Three types of boiler covers are available.
Central Heating Cover
Try to buy a boiler cover with central heating protection. It will provide you extra protection of damages caused to the main heating system, including radiators and pipes. It may replace the main heating pump.
With this type of cover, you can get protection against breakdown for the boiler and its controls. Damage outside the white box is covered under the central heating area. A broken boiler can be the reason for central heating claims.
Home Emergency Plans
These plans may vary from service provider to provide. Under this broad cover, you can get protection for pest infestation, central heating, and boiler. Payout limits of these plans may vary between £500 and £4,000. With this cover, you can protect your family from unexpected incidents. You will get speedy help for uninhabitable and immediate damage.
Ideas to Buy an Affordable Cover
You are not bound to use the boiler cover of your energy provider. Feel free to compare different policies in an open market and buy a reliable cover. Carefully compare the prices, features, and services of a plan. It will help you to get the maximum value of your investment. Remember, the cost of a cover may depend on the type of boiler, fuel type, and level of protection. You may choose between a boiler-only and a combo of central heating and boiler cover. If an insurance plan is expensive than a new boiler, you are advised to buy a new boiler.