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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.

The short answer to this is no! Smart thermostats can still be used without WiFi, however, they’ll be deprived of some certain capabilities and innovative features that comes mainly due to their ability to connect to the internet. As a result, the smart thermostat will only be functional for basic task such as heating and cooling control. In other words, making use of a WiFi connection will be in your best bet to enjoy the multiple juicy benefits that comes with a smart thermostats such as remote monitoring, ability to connect to other devices and display local weather conditions and much more. And what’s the use of purchasing a smart thermostat if you’d not be able to enjoy these remarkable features?

However, even when you have a WiFi, it’s expected for the connection to fail at times. When this happens, what will be the impact on your smart thermostat? Let’s have a closer look!

• As you would have expected, when your smart thermostat is disconnected from WiFi, features that are controlled with the mobile app would all be impacted. And this might be a big headache when you wish to access these features and control remotely when far away from home.

• When your smart thermostat connection to WiFi fails, all live updates and alerts would be affected. This implies that you’d stop seeing updates, reports and notifications on your mobile device. As a result, you’ll not be notified in case of an emergency like electricity cut-outs, water leaks, humidity and temperatures exceeding the set levels as well as thermostat’s low battery.

• The lack of a WiFi connection might have taken away all the juicy advantages of having a smart thermostat, but one function that remains unaffected is the basic one - the control of your home’s heating and cooling system. In other words, if your smart thermostat is offline, your home will still be heated and cooled to the thermostat’s set temperature.

How Often Should You Service An Oil Boiler?

If you have an oil boiler, you probably know the importance of having it serviced to ensure its proper functioning, prolong its useful life as well as ensuring the safety of your home. However, the question that most frequently arises is how often would one need to service the prized hating system? If you’re also looking for the answer to this same question, then you’ve come to the right place. To make sure your oil boiler is running smoothly, safely and efficiently, it should be serviced as often as once in a year. You certainly do want to know the numerous disadvantages of failing to service your boiler. Not only will neglecting your oil boiler service result in possible faults as well as higher energy bill caused by its inefficiency, but can also lead to your warranty ending early.

Therefore, you should ensure your oil boiler is serviced by a qualified heating engineer on an annual basis to make sure it’s running just as it should. This will give you peace of mind knowing you wouldn’t be spending huge bucks on possible repairs and in some cases, replacements.

As a landlord in the UK, it’s a legal requirement to make sure that your oil boiler and flue system is services on a yearly basis in your rental property.

Unlike a gas and oil boiler, an electric boiler do not require the same level of maintenance or servicing. However, it’ll be a nice move to ensure that it’s also checked once in a while.

Overall, it’s important to note that failure to service your oil boiler on a yearly basis can give rise to multiple risks. These includes a rise in energy bills, carbon monoxide leak, fault that can cause boiler breakdown as well as an expensive repair or replacement bill.

If you get the right size boiler for your home and you get it serviced regularly, your boiler could last up to 15 years. It may even last longer than this, but you’ll find that your boiler begins to become less efficient as it gets older. Also, as technology improves, a boiler older than 15 years may not be the most efficient one on the market.

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.

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.

What Is The Best Oil Boiler On The Market?

With a plethora of sizes and models available in the market today, it can be a hassle choosing the best oil boiler. There are 3 main types of oil boilers which includes an oil combi boiler, a regular oil boiler and a system oil boiler. Within these three types, we have a wide range of models and sizes with varying heating and hot water demands.

With tonnes of oil boiler brands out there, the problem is the over crowding on the market with oil boilers that are not only over priced, but also of mediocre quality. From our research, we’ve been able to identify three major bands that are simply outstanding - Warmflow, Grant and Worcester Bosch. However, out of the lots, Warmflow is simply the most efficient and also comes with several qualities such as :

lUK & Ireland’s only AA rated combi boiler

lMarket leading innovation

lEasy and simple to install

l45plus years heating homes

l5 and 7 year warranty available

The oil boiler comes with an outrageous 5 year warranty on their Titanium which when compared to some similar Worcester Bosch Oil boilers is a whooping 3 years difference. Furthermore, the brand also offers a special “out-of-the-box 5-year warranty which enables the warranty to be valid as long as the installation is done by a qualified oil boiler technician. This may, however, seem normal until you realize other brands like Grant, will only honour their 5-year warranty when the boiler is installed only by their accredited technicians.

Warmflow offers an oil boiler to suit every property that is situated off the grid. These includes the modern and stylish U-Series, outdoor-compatible K-Series as well as the quietly efficient B-series which is designed for indoor installation.

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?