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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.

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 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.

Biomass boilers will work with existing central heating systems, presuming this is not decades old, whether they use radiators or under floor heating. A surveyor will check the existing system you have in place before quoting for or recommending a biomass boiler to you.

If your boiler is making strange noises or smells, or doesn’t seem to be working properly, it may need replacing. Boilers usually last about 10-15 years. Even if your boiler is working normally, it’s worth replacing when it gets this old. An annual check will establish if there are terminal problems with a boiler that cannot be fixed.

How To Install An Oil Boiler Heating System

Just like several other skills, the installation of an oil boiler heating system can be a challenge. It requires enough persistence to actually get right, so if you’re the type with little patience, we’d recommend you hire the services of a professional oil boiler heating system fitter who can guarantee the best results and save you time and extra money due to potential damages.

To install your boiler system yourself, it’s always advisable to start by getting the information on the best installation processes from the supplying company which will go a long way to save you from future headaches. However, we’ve put together this guide to give you a basic knowledge on how its done. Let’s have a look!

lRead Instruction Manual

• Carefully read and digest the instruction manual thoroughly.

• Make sure you understand the installation diagrams

• Spread out the materials and get familiar with them.

lFigure Out What Goes Where

• Take your time to determine where everything goes in relation to the others.

• Identify the new radiator’s position.

• Get sufficient sealants to prevent possible leakages inside the walls.

lIdentify The Pipe Routes

• Determine the pipe routes while fitting the new radiators

lInstall The Boiler

• Turn off water and all electrics

• Fit the boiler into the wall

• Make sure the fittings are secured.

lInstall The Radiator

• The effectiveness of your home’s heating system is as good as the radiators you incorporate and how good they’re installed.

• You may have to utilize extra radiators in large open plan kitchens and living rooms (for effective heating).

lOffer Ventilation

• Once you’ve successfully installed the new radiator, a small dose of air ventilation would be needed.

• Turn the key of each valve located at the bottom, do not stop until a little amount of water spills over the top of the 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 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.

If you’re interested in deriving maximum benefits from your central heating system while also being a tech-enthusiast, a smart thermostat is just the perfect option as it allows you to control both your boiler and heating system via your mobile device. It also offers a plethora of features which enables you to heat your home more efficiently while also cutting your energy bills. Here, we’ll be taking a deeper look at the Tado smart thermostat (a user friendly smart thermostat with multiple impressive features such as a great design, self learning and LED interface).

A Tado smart thermostat is a relatively small piece of kit which is perfect for tech-lovers looking to get a first experience of the smart thermostats’ world. Although the appliance might feature just a basic design with a bit less advanced features in comparison with other thermostats like Hive, Nest and more, it however, still comes with some fantastic features which you can’t afford to miss out on. These includes geofencing, Smartphone or tablet control as well as heat scheduling. As you would have expected with any good smart thermostat, the ability to remotely control your heating is a top priority for several smart thermostats’ owners and Tado offers you this and more. Therefore, no more worries during the Winter months and wishing your home should be warm and perfect for your return. Aside this, a Tado smart thermostat also goes a long way to ensure efficient energy use and as a result, reducing the money paid on energy bills.

Overall, Tado is a nicely designed smart thermostat which is relatively easy to use and a perfect option for homeowners interested in having a taste of the world of smart thermostats or looking to replace their existing device.