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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.

How Much Is A New Oil Boiler?

An oil boiler is a very useful tool for providing both central heating and domestic hot water to a property by burning oil. As a result, they’re simply one of the most common alternative heating methods used in homes throughout the UK. If you’re not connected to the mains gas network, then it’s a no brainer to depend on another fuel for central heating purposes - oil. Therefore, if you’re looking to get a new oil boiler, you’d need to identify the size and price as there are a plethora of models to select from - all coming in a large array of sizes and prices. We’ve put together some important details about the prices to give you a good insight on the amount you’d have to incur to procure a new oil boiler. Let’s have a look!

Generally, gas boilers are less expensive when compared to the oil boilers. You can get a wide range of gas boilers from a starting price of £500 to £600, meanwhile you’d rarely find an oil boiler less than £1000 in the market.

The lowest priced oil boilers are typically priced starting from around £1000, and the best in class oil boilers normally costs more than £3000.

The rule is, the most expensive oil boiler is typically the largest one. So to have an idea, the bigger it is, the more money you’d have to spend. Oil boiler’s size is measured in kilowatts (kw), which showcases its power. To determine the type of oil boiler that best suits your home, the most significant factor would be the size as a bigger home will require a bigger oil boiler. You have an option to choose between the combi, conventional and the system models of oil boiler.

Re-pressurising your boiler means that you allow more water to enter system via the filling loop. It can be easy to re-pressurise your boiler yourself. Always check your manual, but there are some simple steps you can take to restore pressure to your boiler:

• Switch off your boiler and let it cool completely

• Make sure both ends of your filling loop are attached

• Open both valves to allow cold water into the system – you’ll hear it start to move

• Look out for your pressure gauge to show 1.5 bar

• Close both valves

• Switch your boiler back on

• Undo both ends of your filling loop and remove it. Remember some water might come out, so be ready to catch some spillage!

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.

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 stand alone 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 Much Is A Boiler Service?

A broken boiler can be a huge pain and even more so if it occurs during the winter months. A cold house and cold shower is not a situation to be handled with levity especially when there are older people or more vulnerable members in the house. To ensure your boiler keeps functioning the way it should for a lengthy period of time, it’s crucial to ensure that you have your boiler serviced on a yearly basis. But while the summer or warmer months happen to be the most cost effective time to have the boiler servicing done, doing it during the depths of winter can go a long way to ensure that you and your loved ones get through the cold without any unwanted occurrence or boiler issues.

Generally, to have your boiler serviced will cost anything within the range of £80 to about £120, but at times, this can even be more depending on a plethora of factors. The servicing cost will be based on the particular company you choose, the type of boiler you possess, as well as your location in the UK. For instance, if you happen to live in London where demands are higher than the other regions, then you’ll most likely have to pay more money to have your boiler serviced than other homeowners facing similar issues but staying in the other lower demand regions.

Asides from hiring a professional to service your boiler on an annual basis, you should also try to help maintain its efficiency and health in between those services. This will not be a substitute to the regular servicing or even make the servicing a lot simpler, but will surely help keep it at a maximum efficiency while also keeping the cost of your heating bills down.

How Long Does A Gas Safety Certificate Last?

As a result of faulty installation and irregular maintenance of gas appliances and chimneys, a lot of people have been met with an untimely death caused by the toxic gas - carbon monoxide. This is a gas that’s completely odourless, colourless and tasteless - meaning you can’t identify one of its in the environment. But what you should know is, if you stay in an environment filled with carbon monoxide, you’d probably be dead within a couple of hours. Consequently as a landlord, you must do what’s best to ensure the safety of all your tenants by making sure that all your gas appliances and chimneys are subjected to annual check by an approved Gas Safe engineer as required by the law.

Wondering how long a Gas Safety Check will take? The safety of your gas is guaranteed by carrying out regular examinations. Whether or not you possess a gas alarm, it’s still vital to conduct regular gas safe checks to make sure your home is safe. A typical gas safe check would last between 30 to 60 minutes for a normal domestic property. However, in the situations whereby a need for repair arises, it may take longer time to complete. Other factors that can also affect the timing includes includes both the size and location of your property.

So how long does a gas safety certificate last? The simple answer to this question is 12 months. If you own a rental property in the UK, it’s up to you to ensure all your gas appliances and chimney is check after every 12 months to obtain a Gas Safety Certificate which you should hand out a copy to all tenants living in your property. However, if you don’t own the property, you can inform your landlord to get one as soon as possible while also providing a carbon monoxide alarm.

If you’re building a connected home, a smart thermostat allows you to change the temperature in your home. And not only do several smart thermostats come with touch screens and a user friendly interface, but they’re also compatible with Amazon Alexa, Google Assistant and other voice controlled personal assistants. So how does a smart thermostat work? Let’s have a look!

Generally, smart thermostats are connected to the home’s Heating and/or Air Con system via C wire (common wire). Homes that lacks a C wire (especially older homes) will have to install one first before getting a smart thermostat. The C wire is a crucial element in the installation process as it works mainly to wire your smart thermostats into the Boiler system without tampering with the wiring for the other appliances in the house.

The smart thermostats comes with some special temperature setting which you can access by connecting them to your home’s WiFi. These include:

• Mobile Control

Most smart thermostats are specially designed to enable users to control the temperature of their home from the comfort of their couch or car via their unique mobile apps. This feature is just perfect if you particularly like getting the perfect temperature in your home without having to get out of bed.

• Humidity Controls

Although, the humidity of your home can not really be adjusted with a smart thermostat but you can always stay on top of it by monitoring it or setting an alarm on your phone to go off when the humidity changes.

• Geofencing Feature

With a smart thermostat, you can choose the particular times of the day you want it in action. This feature enables you to go on impromptu travels without having to worry about your energy bills - some smart thermostats come with the geotracking feature which determines when you’ve left the house and adjusts the temperature of the home accordingly with your energy usage in mind.