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When it comes to boiler insurance in the UK, two companies easily comes to mind - British Gas Homecare and Homeserve. Just like any other choice you’d have to make, choosing the company that’s best for you might be a bit difficult especially if you don’t want to make the wrong choice. This article will give you a good insight into the pros and cons of the two companies’ boiler cover to help you make the best choice for your home.

British Gas Homecare Cover

Pros

• Reduced cost of services as a result of the annual payment option.

• An array of affordable packages including both few and several services

• Although vulnerable customers are prioritized, the company offers a 24/7 services.

• Unlimited claims

• Depending on what you wish to get, be it only a monthly boiler cover or more services, you’ll get several services’ options.

Cons

• With a 50% bad rating on a reliable customer review site, you know there is a question mark on the company’s customer service.

• Increment in renewal price after first year of service.

• Lacks cover for the boiler’s sludge or scale.

Homeserve Cover

Pros

• For most individuals, the 5 packages offered are affordable.

• 24 hour help hotline

• From reliable customer rating websites, the company offers a great service.

• Cover costs include both parts and labour.

• There are good options for one-off repairs.

• The options are cheaper than British Gas services.

• There are multiple choices for excess payments for various packages.

• An option for annual boiler repair.

Cons

• Lack of annual payment option

• The price of the packages will increase after the first year

• The services are mostly for houses or flats, while businesses and other types of property are being neglected.

What Size Of Oil Boiler Do I Need?

When it comes to oil boilers, there are three main types - the combi, system and conventional. Within these types, you’d discover there happens to be a wide range of sizes to choose from. First and foremost, we must note that the size has to do with the amount of energy they offer to your heating and hot water system rather than the physical dimensions.

The rule of thumb is, the larger your house (which implies the more hot taps, radiators and showers), the more powerful (bigger) the oil boiler you’d require. For instance, a four-bedroom apartment with three showers occupied by a family of four will definitely need a more powerful boiler than a a bungalow featuring a single occupant.

It is, however, important to also note that it’s not all about going for the biggest oil boiler. If you decide to choose an oil boiler with a much bigger capacity that needed, not only will you be wasting money on the initial purchase as well as installation, but also lose money operating it. And in a converse scenario, if you go for the cheaper and lower-powered oil boiler in an attempt to save up some money, you’re most likely to end up with tepid radiators while also frequently running out of hot water. Hence, the importance of determining the appropriate size of boiler for your particular household before purchase.

To determine the appropriate size, determining the number of bathrooms, radiators as well as the total number of people living in the property would be a step in the right direction.

Numbers of Radiators Combi System Boiler Regular

Up to 10 24 to 27kW 9 to 18kW 9 to 18kW

10 to 15 28 to 34kW 18 to 26kW 18 to 26kW

15 to 20 35 to 42kW 27 to 40kW 27 to 40kW

What Size Of Electric Boiler Do I Need?

If you’re thinking about installing central heating in your home or property, you’ll be shocked by the plethora of options that’s currently available in the market as regards the boiler type that can be installed. Being a very good alternative to gas boilers or an oil or LPG boiler, electric boilers are here to stay. They usually feature different power outputs which tends to lead to one of the most frequently asked questions about electric heaters - what size of electric boiler do I need? Here, we’ll give you a good insight into sizes of electric boilers available to help you make the right decision.

The importance of getting the perfect size of electric boiler for your home can not be over-emphasized. If your electric boiler size is too small, it won’t be able to provide the level of heat and hot water required. And on the other hand, if it’s too big, it’ll definitely consume more electricity which would be a total waste of money.

To determine the correct size, if you have a wet central heating or water radiators in your home, you’ll need to calculate the boiler’s capacity required to operate them and allow 1.5kw per radiator. To be more accurate, it’s advisable to talk to a professional installer to avoid making a costly mistake. Every professional installer should have an idea of the appropriate size of electric boiler that’ll be needed given your special requirements and home size.

Generally, with a 12k kilowatt boiler, you should be able to operate up to 7 to 8 radiators which is good for smaller properties. For apartments and flats, getting a smaller electric boiler would be the best option.

As you would have guessed, the British Gas is one of the leading home assistant companies located in the United Kingdom which delivers a large variety of services to customers and boilers. Basically, they offer four (4) service packages. The first package is an annual boiler service and boiler as well as controls repair. Meanwhile the fourth package (also the largest) combines boiler services with central heating, plumbing, drains as well as home electrics.

Apart from the monthly payment package offerings, customers are allowed to pay on a yearly basis with a large lump sum. If you opt to pay annually, this will help you save some amount of money. There’s also the option of paying an extra £60 to further lower either monthly or annual costs. What’s more? Customers are also allowed to pay an extra of £99 to get either £2.50 for boiler repairs a month or £5.50 for both repairs on boiler and its controls as well as central heating system repairs.

After placing a claim, the repairs required by your boiler would be made within 24 hours. However, in certain cases, there may be some delays as British Gas tend to rate vulnerable customers ( such as elderly persons and families with little kids) higher than the usual ones. All products will include a 24/7 customer support, unlimited call outs as well as a 14 day cooling off period if you choose to remove any service.

In conclusion, British Gas is an affordable and hassle free company offering customers top notch services. Their gas boiler cover include so many juicy benefits you simply can’t afford to miss out on if you have a gas boiler in your home or property.

How Does Electric Central Heating Work?

An electric central heating works to provide a number of benefits for you. These benefits include the following:

lSpace Heating

• The storage heaters work during the night to store electricity which would be used to heat up the heat retaining bricks. This, in turn, will release this energy throughout the day to warm up the room.

• There are also electric radiators which works to deliver on-demand heat and as a result, economy tariffs are totally avoided. It will generate heat by itself rather than storing it and with the controls, you can easily determine the amount of heat to be released when you require it.

• There is the wet electric system options as well which comes with water filled radiators. This operates in a similar way to normal radiators, however, it makes use of electricity to heat up the water.

lWater Heating

• An electric boiler operates in a very similar manner to other boiler types, just that it makes use of electricity as its fuel. Here, the water is warmed by a heating element and the water is later moved to several radiator throughout the house by a pump. These electric boiler types earns you tariff savings as you’ll be able to heat water at night.

• Heat pumps geothermal or air source, redistributes heat instead of creating it. Heat pumps are powered by electricity and it works by absorbing heat either from the air or ground which it then channels it through a pump. This can then be incorporated in heating either water or a room.

• A dedicated immersion heater is another water heating option. Here, the heating element is positioned inside a hot water cylinder. In a similar fashion to a kettle, the element heats the nearby water. Immersion heater can act either as a backup or your main heating element.

How Much Does It Cost To Service An Oil Boiler?

With several homes in the UK using gas central heating, about 6 percent of households in the United Kingdom makes use of oil for their heating needs. If you’re one of those homeowners with an oil boiler, then you should know that servicing your oil boiler is a compulsory activity which should be done regularly in order to ensure the safety of your home, boost the efficiency of the boiler while also help you save money as it ensures you do not incur the potentially expensive repairs or even having to purchase a replacement boiler. If you service your oil boiler every year, you can be rest assured that you’ll continue to derive maximum benefits from your prized heating system for a long period of time. So exactly how much will you have to pay to service your oil boiler?

The service cost of an oil boiler is influenced by a wide range of factors which includes the location. However, the average cost of servicing an oil boiler in the UK is between £65 to £90, but depending on the location as well as other influencing factors, this price might be higher or lower.

Due to the higher cost of living and high demands at places such as London and the south east of the UK, you can discover that the cost of servicing your oil boiler can jump to as high as £160 to £190. In other regions, you can also find the oil boiler service cost to be as low as £50 to £60. What’s more? In the same locations, you can also discover varying prices which depends on the available services. Furthermore, in areas where there’s a lower competition from several engineers, the prices may also be higher.

A combination boiler, also referred to as a “combi boiler, delivers both domestic hot water and space heating in a single package so as to save space, and in a lot of cases, money. These great features makes the appliance a very popular choice in UK homes and in fact, it represents more than 50 percent of all new boilers fitted in the UK on a yearly basis.

Most modern and high efficiency combi boilers are usually stainless steel condensing boilers which normally features an in-built secondary heat exchanger to deliver domestic hot water to a home or property. What’s more? When it comes to the heating season or the cold months, the combi boiler will operated as required to heat a structure and offer hot water for showers, sinks as well as other hot water appliances around the house. And when it gets to the warm season or summer months, the combi boiler will only work when there’s a need for domestic hot water which also helps you save more money.

Combi boilers are able to provide domestic hot water in such a way that’s energy efficient due to two primary reasons - the combi units possess a very high operating efficiency and also have a low internal water volume. As a result, in during the hot summer when space heating is not required, you’ll only have to pay to heat up the hot water that you really need and not an entire tank.

Combi boilers also have the following benefits:

✓ Lower costs. Due to the combined nature of the boiler and the lack of tank in the roof space, the installation time and costs are at a minimum.

✓ Saves space in your home as it effectively combines a central heating boiler with a water heater into one unit.

Breakdowns of boilers are quite common during the winter months and are usually very expensive to repair when this occurs. According to the research carried out recently by uSwitch, repairing a boiler can cost an average of about £314 with a figure over 20 percent of homes experiencing various heating system issues last year.

To answer the question of whether or not your existing home insurance will be enough to cover the boiler breakdown, the answer is probably not. This is due to the fact that heating system faults or breakdowns is a very common occurrence and as a result of poor maintenance practices as well as a high repair cost, several insurance companies often remove it from their home insurance policies.

Generally, you’d be given an option of what is termed as “emergency home cover which is an add on or extra to your home insurance policy. Luckily, this add on is quite inexpensive and may be as little as £4 or £5 per month. Depending on your need or budget, you can also purchase the add on as a “stand alone from your current insurer or another company. However, the standalone option is usually more expensive.

The emergency home cover normally provides coverage for the boiler repair cost and few times, the rest of the central heating system as well. Being fully aware how important a boiler can be, insurance companies usually deliver a rapid response service as suggested in the name, “emergency home cover. However, the maximum pay-out for call out charges is capped at a particular amount which usually ranges from £500 and £1,000. Apart from the call out fees, the emergency cover also includes a limit on the pay-out amount for future required repairs of heating systems which includes both parts labour.