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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.

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 Oil Does A Boiler Use?

Are you also interested in knowing the quantity of oil that a boiler consumes to heat up and keep a house warm? Well, you’ll find the answer here. There are so many influencing factors that determines the quantity of oil that’ll be used by a boiler. These factors include the number of hours they’re subjected to use on a daily basis, the boiler’s size as well as how efficient it is. Another factor is how you use your boiler, whether it’s only to provide heating or to provide both heating and hot water will as influence the quantity of oil your boiler uses. As a result, it’s almost impossible to provide an accurate estimate of the amount of oil that an appliance would require to keep running effectively.

In general, to provide a rough estimate, a mid sized oil boiler appliance could make use of up to 3.5 litres of oil per hour when full, but if it’s a large appliance, then it can burn up to 4 litres of oil per hour. However, it should be noted that this is only when the boiler is operating flat out. In the event whereby the water inside the heating system is already hot and the boiler is only working to maintain the level of warmth, much less quantity of oil will be used. And as expected, there will also be times in which your boiler will not be on, and therefore no oil or fuel will b used.

Your home’s size as well as how properly insulated it is can also be a significant influencing factor here. As you would have guess a big home and/or poorly insulated will use up more oil because it’ll be harder to heat up or keep warm. Overall, for some households, 1000 litres of oil will be sufficient to get them through the year, whereas the same quantity may not be enough to get other households through just the winter months.

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.

How Much Is A Gas Safety Certificate?

If you’re a landlord in the UK, then you’d know a gas safety certificate is a legal requirement. If yes, then you’d probably like to know how much it’ll cost to get a gas safety certificate so you can make plans on obtaining one for your property. In this article, you’ll find all you need to know about the amount you’re expected to pay for a gas safety certificate in the UK.

First and foremost, let’s look into the use of the certificate. Basically, a gas safety certificate is the legal inspection of your property’s gas appliances which would be done on an annual basis. Only an approved Gas Safe engineer is allowed to carry out this statutory check. Ultimately, if you own rental properties in the country, this is a requirement you can’t afford to overlook to ensure the safety of your tenants.

Furthermore, included in this inspection are each and every gas appliances, chimneys, pipework as well as flues in the property. In recent times, several individuals make use of fewer gas appliances which ultimately implies that they may only need the servicing of their gas fire. Once you’ve passed the inspection, you’ll be given your CP12 certificate which must be kept for a minimum of two years. A copy should also be provided to your tenants within 28 days of issue. So how much will it cost to get a gas safety certificate?

Depending on your location in the UK as well as the number of gas appliances incorporated, the average cost of a gas certificate will range between £60 to £90. The Gas Safe engineer will carry out the task as a fixed and statutory job.

Smart controls such as Hive are the next generation technology with more and more people now converting their houses into smart homes to control multiple devices in the homes remotely. Smart technology can be incorporated with several household devices such as security, lighting, entertainment and more. But what if there’s an oil boiler installed in your home, can you still connect your Hive with the your heating? Well, simply read on to find out.

The answer to this question is yes, most oil boilers are compatible with Hive and can substitute for either an existing conventional programmer or thermostat. The smart technology works to help derive more benefits from your heating system and they usually come with apps which can be used to control your home’s heating from anywhere with just your mobile device. Hive, however, cannot work to replace the functions of smart oil boiler heating controls to modulate your heating as they only work on an on or off basis. To make use of the modulating technology in an oil boiler, the cost of manufacture would be considerably higher while offering little advantage in efficiency for the home or property owner. Ultimately, this implies that you can’t incorporate smart technology to control the output in a similar way as a gas boiler, but there are still some ways to utilize smart technology with your oil boiler in such a way to boost your efficiency and lessen the energy bills.

Do you want to use your Hive with your home’s oil boiler? We’d advise you get in touch with an OFTEC qualified engineer if you wish to install Hive Active Heating on your oil boiler, as British Gas engineer do not offer this service.

Are you worried about blocked drains? Yes, you probably should! As a homeowner ( with a detached, semi detached or terraced house), all plumbing and drainage issues within your home or even within your property boundary is your responsibility. Hence, you’d might want to consider getting a Homeserve plumbing and drainage cover to help keep your home running smoothly and putting your mind at ease. The only exception here is if the drain in question is a lateral drain which is a common feature in flats. In this situation, it’s only the building managers that would be responsible for the maintenance of the drainage as it’s shared between several homes. Before 2011, the various flats or houses that shares the lateral drain are responsible for its maintenance.

Working with top utility companies for over 2 decades, Homeserve has positioned itself as one of the leading home assistance providers in the United Kingdom. With their top notch services, they’ve been able to make their client’s lives a lot easier and stress free through the provision of a wide array of repair solutions such as drainage, plumbing, heating, electrics and a lot more.

As a homeowner with the responsibility of maintaining the drains and ensuring there’s no block or damage, it’s simply a no brainer to go for a plumbing and drainage cover and more importantly, get good cover. Homeserve are one of the providers but there are a number of others which offer great service at competitive prices. Without an insurance in place, you may just have to break the bank just to have an engineer or plumber to fix any plumbing or drainage issue you might have. So why not give yourself a peace of mind and get a cover today?

How Much To Install A Gas Cooker?

Gas cooker is gradually becoming more and more popular in the UK, with several homeowners looking to have one installed in their various homes. Whether you’re planning remodelling, conversions or perhaps you own a new building, gas ( be it a natural gas or Liquid Petroleum Gas - LPG) is now the favourite mode of cooking ,heating as well as warming across the country.

The fact that it’s popular, however, is not an excuse to install a gas cooker by all means in order to reduce the cost. When it comes to gas cooker installation, adequate care must be taken to ensure costly errors which can lead to fire outbreaks and other dangers are avoided. Therefore, if you’re thinking about getting a gas cooker installed in your home, hiring a qualified gas cooker installation company would be your best bet.

Prior to the installation of your gas cooker, the gas plumber will confirm whether or not your home is connected to the mains gas supply. In the absence of a connection, you’ll have to request for a new service connection. Immediately the connection is available, the certified gas cooker installation company can then proceed to fit in the appliance.

However, for a free standing gas cooker, the measurement of the gas cooker’s dimension will be taken by the fitter as well as the available space for the installation in order to determine whether or not the gas cooker will fit in. After this, the next step would be to turn the gas cooker on its side and fit in the underpins. The gas pipe will then be connected to the manifold while also activating the gas and checking for possible leakages. Once done, the gas would be plugged into the outlet and a test will be conducted on the gas to ensure it’s running the way it should.