Gas Boiler (Repair & Servicing) in Lancashire

Does Home Insurance Cover Boiler Repairs?

When winter comes, your boiler is most likely to be one of the most used appliances in your home. It keeps operating for several hours to ensure your house remains warm and conducive and then during those cold evenings, it supplies the much needed hot water to guarantee a restive night. But with so much usage and many moving parts, you’d naturally expect your boiler to breakdown at some point especially if it’s 7 years old or above. So what’s the next line of action when it happens, leaving your radiators off and water cold? With the likely high boiler repair cost, it’s only logical to consider whether your boiler repairs is covered by your home insurance.

In almost all situations, the standard home insurance will not provide coverage for the cost of repairing or replacing a broken boiler. Being fully aware that boiler breakdowns are mostly caused by a lack or not so regular maintenance practices or servicing, most home insurance providers will exclude it from this from their offerings. In fact, a home insurance is more likely to provide coverage for the damage that has happened as a result of a broken appliance. For instance, the damage caused as a result of gas, oil or water leaking from a boiler are more likely to be paid for by the home insurance providers, but they’ll not pay for the repair or replacement of the broken boiler itself.

If you need our home insurance to cover your boiler repair, then you might just be able to get an extra insurance cover from your provider that includes a broken boiler repair. You can consult them to determine if this is possible as well as the cost to be paid per month. This will normally cost about £5 to £10 per month, but it gives you a peace of mind knowing you’re covered if your boiler happens to breakdown.

How Much Does A Boiler Repair Cost?

An annual service for your boiler might not seem important and may be easy to postpone to another day, but when it happens to breakdown due to lack of adequate attention, this can be quite painful and also costly.

Before you start thinking about the cost of repairing your boiler, the first thing you’ll need to confirm is whether or not your boiler is still covered by the manufacturer’s warranty. You’d be amazed some warranties can last for as long as 12 years, if yours is still on then you can save yourself a huge amount of of money on your boiler repair. As a result, it’s always crucial to keep the details of your warranty somewhere safe, so you can read them from time to time. You never can tell when the rainy day will come!

Most boiler warranties will require your to get your boiler serviced on an annual basis by a licensed and qualified technician. The cost of an annual boiler service is affected by the time of the year you wish to get it done. When boilers are less useful during the summer months, an annual service is usually relatively cheap when compared to the cold months. Around this period, a boiler service will normally cost within the range of £100 to £150, however for a more accurate quote it’s advisable to contact a couple of professionals and compare their quotes.

The cost of getting a boiler repaired will be affected by a couple of factors including your boiler’s make, the age of the boiler as well as your location and how urgent you need it done. If you have a dead boiler, the cost will typically range from £96 to £348 and a boiler displaying a fault code will cost within the range of £90 to £275. Generally, repairing a boiler will cost within the range of £90 to £400 based on the several factors stated above.

If your boiler is leaking, there are some checks that you can do yourself. However, you should never attempt to repair your boiler yourself – only a Gas Safe-registered engineer should conduct repairs.

There are 3 main reasons why your boiler might be leaking: there’s a pressure valve fault, a temperature valve leak or corrosion in the system. An engineer will be able to spot the problem quickly, but in the meantime there are a few things you can do:

Check the pipe fittings

If your boiler is leaking water around the pipe fittings, it could be an installation fault and you should get in touch with the engineer that fitted it. You can check the pipe fittings by drying the area then waiting to see if the water appears again. If it does, you may be able to do a ¼ turn of the pipe to stop it. However, you should still call the engineer that installed it to ask them to check the PTFE tape on the inside.

Inspect the seals

Over time, the rubber seals on a boiler can start to perish, so if you have an old boiler this could be the source of your leak. If you have a new boiler, it could be caused by your boiler running over pressure.

Heat exchanger corrosion

Unfortunately, if a boiler engineer discovers that the boiler is leaking water from the heat exchanger, this is the end of the road for your system. The heat exchanger is the most expensive part of your boiler, so it makes more financial sense to replace your boiler with a newer, more efficient model rather than try to replace it.

You should have your boiler serviced every year. This ensures that your central heating system is running safely and efficiently, but it’s often also a requirement to keep your boiler’s warranty valid. To avoid disruption to your heating, the best time of year to service your boiler is the summer. You’ll often find that boiler companies will charge less because they have less work.