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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.

Modern oil boilers do not require a lot of maintenance. OFTEC recommends that oil boilers are serviced and inspected every year. This keeps them running as efficiently as possible and will ensure any issues with your boiler are identified before they cause bigger problems. This servicing is also vital because of the increased risk of carbon monoxide leaking from a poorly maintained boiler.

If you’re looking to acquire smart thermostats in your home, but wondering about its money saving qualities, then this is for you! Not only do smart thermostats add new impressive features to your home, but it can also save you both energy and money. According to many reports using a programmable thermostat can save you between the range of £130 to £150 on an annual basis. Now think about using a smart thermostat that makes it a lot more easier for you.

Wondering how smart thermostat save money? Simply set your smart thermostat one or two degrees lower or higher than the usual number. Once done, you’re likely to notice 1% to 3% reduction in your energy bills. And if you want even more, you simply increase the percentage to about 10 degrees to 15 degrees to cover the period you spend at work and watch as you save up to 10 percent of your energy bills.

Generally, a smart thermostats will save you money in two major ways. These includes:

• They Do All The Thinking For You

The smart thermostat watches your behaviour and study the time you’re at home and when you’re not as well as your preferred temperature at particular times in a day, and that’s why they are termed as “smart. they’ll automatically adjust the settings to ensure you get home to a perfect temperature.

• They Keep Tabs On Your Usage

You can always count on a two way communicating smart thermostat to watch your usage while also collecting the data and sharing it with you. It informs you of your energy usage rate as well as the estimated amount. Once you’ve been notified, you can manual adjustment or leave it to the thermostat to help manage your energy.

How Much Is A Landlord Gas Certificate?

Do you know as a landlord in the UK, not only does the law requires you to conduct an annual check on all your gas appliances and chimney, but you’d also have to pay for it? Hence, giving birth to the commonly asked question, how much is a landlord gas certificate? With so many variances in CP12 certificate prices everywhere, it can be so confusing knowing the actual one you’re expected to pay. Just by surfing the internet alone you’d come across loads of ads claiming they can help you with a cheap gas safety certificate only to discover that reverse is the case when you reach out to them. Here, you’ll get to know the real amount you’re expected to pay for the annual checks on your gas appliances and chimney.

First and foremost, let’s look at what a Gas Safety Certificate really is. This is a certificate that’s given out to landlords and property management companies after a check has been carried out on all their gas appliances and chimney. This statutory check is expected to be done every 12 months to ensure the safety of all those who make ue of your rental property. Homeowners living in ther property are not required by the law to conduct annual gas safety check, but it’s highly recommended that you get in touch with a Gas Safety engineer to ensure the safety of both you and your loved ones.

As a landlord in the UK, to get all your gas appliances and chimney inspected by an approved Gas Safety engineer and obtain your Gas Safety Certificate, you’re expected to pay within a range of £55 to £65. However, you should note that this cost will increase depending on the number of gas appliances you have (about 30% increase for each additional gas appliance).

When it comes to gas boilers, this is one of the most frequent questions that always pops up and for a good reason. When you invest a considerable amount of money to acquire and install a gas boiler in your home or property, it’s only reasonable not only to expect the boiler to warm up your home efficiently, but also to do so for a long period of time. If you’ve just bought or about to get a new gas boiler, it’s likely you won’t have to worry about getting a replacement for a lengthy period of time. Several gas boilers will last for anywhere between 10 to 15 years on the average. However in the event whereby you have an existing one that’s fast approaching the end of it’s useful life, then you should know the time go get a new gas boiler is just around the corner, and the earlier you make the purchase, the better (to avoid any surprise breakdowns that’ll leave your home super uncomfortable).

Just like any other home appliance, it’s a fact that an older gas boiler ( especially those that have been installed over a decade ago) are significantly less efficient that the new modern ones. When the older versions were manufactured is a completely different time to now as both technology and climate concerns are wide apart. So when your existing boiler is approaching the end of it’s useful life, it’ll be wise to start saving up to cover the cost of getting a new one. However, if it’s only about 5 years ago your boiler was installed, it’s highly likely to still be very efficient.

The simple answer to this question is yes. The Google Nest thermostats are built in such way that makes it compatible with most 24V systems including the older systems. The device is functional with all common types of fuel such as electricity,natural gas as well as oil. However, before purchase it is vital to determine if your thermostat is also compatible. What’s more? The Nest thermostats is also designed to be usable even without the existence of a C wire (common wire) in your home, although a new C wire installation may be required.

Furthermore, Nest Learning Thermostat is compatible with multiple central heating system such as combi boiler systems, air source and ground source heat pumps (heating only) as well as heat only boiler. Now let’s take a look at the Nest thermostat compatibility!

• The majority of the 24 V systems ( including older systems) are compatible with Google Nest thermostat. They can be incorporated with each and every common types of fuel such as oil, natural gas as well as electricity.

• Prior to the installation of Google Nest thermostat, you can make use of the Google Home or Nest app for proper guidance and to notify you if your system is compatible. It will also give you a bespoke thermostat wiring guide.

• To check the compatibility of your system, you can also check with the Google’s online compatibility checker before purchase.

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

Is Electric Heating Expensive?

Well, electric heating being termed as “expensive is relative to your budget. But we can tell you making use of electric heating will cost you within the range of an additional £300 to £400 per year more than the conventional gas powered systems. Meanwhile the average UK home making use of heating has been found to incur around £550 on an annual basis while those using electric storage heaters will spend almost £900 every year, according to OVO Energy.

However, there are numerous benefits of using electric heating and some of which can contribute to give a lower cost. If you’re considering the installation of an electric heating, here are some of the benefits you’ll derive.

• Safety. The several risks that comes with traditional systems are greatly reduced with an electric heating system. For instance, there’s no risk of carbon monoxide emissions or potential explosions since there’s no use of fuel to run the system.

• Installation. When compared to traditional systems, electric heating quite inexpensive to fit. This is due to the fact that minimal hardware are needed in the installation - no pipes, no flues, no vents and no ducts to be used. As a result, electric heating systems can also be installed within a shorter period of time.

• Environment. Generally, electricity has a positive impact on the environment especially due to the fact that there are no gasses or heavy metals incorporated in the system’s make up.

• Control. Electric heating offers a more convenient and controllable system. What’s more? This does not only make life easier, but can also help save as much as 30 percent on yearly cost of heating as well as helping to minimize toxic carbon emission. Furthermore, there’s a built in Wi-Fi that usually comes with electric heating systems while same can not be said of traditional gas systems.