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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.

During a boiler service, your boiler engineer will perform a series of checks to ensure that your boiler is safe and efficient. First, they will conduct a visual inspection to check for any corrosion or leaks. They will also check the flame in your boiler. They’ll then remove the boiler casing and check all the components, including the heat exchanger, burner and spark probe, then clean the inside. After this, they’ll check the flue for obstructions and ensure that it’s safely fitted. They will then do a gas pressure check to ensure the boiler is working at the right pressure, before firing it up to check for any working faults.

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.

How Often To Service Boiler?

A boiler is a vital part of any home especially if you’re in the UK. Not only does provide your entire household with hot water and keep them warm but also adds a good value to your property. Boiler repairs and replacement are both super expensive and stressful, so in order to avoid all these worries, it’s better to have your boiler serviced on a regular basis for your own peace of mind. When you call in a reliable heating engineer, it can immensely raise your boiler’s efficiency while also saving you from more expensive issues down the road.

So if you haven’t had your boiler serviced for quite some time, moved into a new house and not aware the last time your boiler was serviced or perhaps you’re just wondering how often a boiler should be serviced, then you’ve come to the right place! The short and simple answer to this question is a boiler should should be serviced once in a year, and most preferably during the summer months. However, there are a wide range of factors that comes into play so it’s always advisable to check with your manufacturer before you proceed.

According to the law, you’re required to have your boiler services on an annual basis. Failure to do so can render your boiler or home warranty void. Therefore, it’s very crucial to take down the last time your boiler was serviced and also set a reminder to book your next appointment when the time closes in.

If you happen to own an electric boiler you may not need an annual servicing. But you may still be required to perform it annually by your insurance provider.

What Are The Best Electric Radiators?

Being afforded options in life is what we all seek. However, when the options are obviously too much, it can have a negative impact - exactly the case with electric radiators. With so many electric radiators in the market today, identifying the best and most suitable one for your home can be less helpful and extremely confusing, and even more so when you don’t know what you want. In a world filled with a huge selection of electric radiators, some designed for general heating while others are designed for more specific purposes, where would you get started? Here we’ve put together some of best electric radiators which you can put into consideration when making a decision. Let’s have a look!

• The Rointe D Series

The D series is one of the most popular electric radiators you’ll in the market today and deservedly so.with an advanced controllability via the Rointe Connect App and TFT control panel, these series have been rightly marked out as the most sophisticated electric radiator till date. What’s more? It’s suitable for both small, medium and large rooms, as it heats from 3m2 to about 16m2. The installation and programming of the Rointe D Series is very easy as it also enables a full access to every functions included as well as consumption costs.

• The Dimplex Q-Rad

As a high end heater, the Dimplex Q-Rad is one of the most popular brands. It is designed for a large room as it can heat up an area of about 20m2. The electric radiator features simple controls, sleek and good looks and works automatically all day.

• The Haverland RCTTi

This is conveniently one of the most efficient and reliable electric radiators you’ll find around. It stands out with the possession of its Dry Stone technology which works to ensure the room is kept at the right temperature.

• The Stiebel Eltron CND

Featuring a combined radiant and convection heating, this dual heat source is a very good option for homeowners with a tight budget. It works excellently to store heat which it later releases. The electric radiator also sense when the windows are open and react intelligently to the environment.

If you’re thinking about getting a new gas boiler for your home or property, then you might also be wondering how much it’ll cost you so you can set a budget and start planning. As simple as this question sounds, it’s actually very tricky to provide a simple and short answer as the costs of installing a new gas boiler alone varies greatly based on the parts needed, the amount of work required, your location, their availability as well as the company you hire for the project.

When it comes to purchasing a new gas boiler the price you’re expected to pay also depends on multiple influencing factors such as the type, brand as well as your most preferred gas boiler model. However, one thing you should have in mind is the fact that your gas boiler is right at the heart of your home or property and can be a complicated piece of machinery. As a result, you wouldn’t expect gas boilers to come cheap. Generally, it’s going to cost within the range of £500 to about £2,500 to get a new gas boiler. Therefore, it’s always advisable to obtain all necessary details and facts before you decide to purchase a replacement gas boiler.

This price range may seem too high as it’s usually a turn off for most homeowners. However, it’s worth noting that gas boiler replacement costs and gas boiler installation costs are, more often than not, compensated by the saving you’ll make off your utility bills - all thanks to the new and more energy efficient boiler you just installed in your home. And even more importantly, when it has been estimated that roughly half of the amount spent on energy on an annual basis depends on your boiler.

How To Fix A Boiler

A boiler is subjected to regular usage, working for a several hours a day and providing hot water for shower on a daily basis and even more so during winter. With it’s power and efficiency, we tend to postpone or even totally overlook its maintenance. However, no matter how good your boiler is, it consists of many moving components and it’ll certainly develop some faults some day. When the inevitable occurs, you might want to save some money and get it fixed all by yourself.

When it comes to fixing boilers, seeking help from a licensed heating engineer is usually the best solution, however at times you might be just lucky to be faced with minor issues which you should be able to handle yourself. In this article, we’ll look at some of the most common causes of a broken boiler and how you can get your heating system up and running again. Let’s have a look!

✓ Low system pressure. In the event whereby your boiler display a low system pressure, it could mean that the system is about to breakdown. You’ll have to carry out regular inspections on the pressure gauge to see if there’s any noticeable changes and call in a heating engineer immediately to prevent a system breakdown from happening.

✓ Poor heat production. Although this is unlikely to lead to any great issues, but it’ll reduce the effective functioning of your heating system. To prevent a debris build, it’s important to have your boiler cleaned regularly.

✓ Strange noises. Boilers often make noises, so there’s nothing to worry about unless it’s a banging or whistling noise that’s very odd , then there may be a serious issue. You’ll have to check the air intake, pressure, exhaust and piping to ensure they’re working just fine, if not there may be a need for replacement.

No. You must never repair your own boiler – only a Gas Safe-registered engineer can do any work on your boiler. You can do simple DIY tasks to repressurise your boiler or stop a leak, but if you have to remove the outer casing of the boiler or touch the flue then you must get a qualified boiler engineer to take a look at your central heating system.