Find a Heating Engineer you can trust in Stornoway.

When it comes to boiler insurance in the UK, two companies easily comes to mind - British Gas Homecare and Homeserve. Just like any other choice you’d have to make, choosing the company that’s best for you might be a bit difficult especially if you don’t want to make the wrong choice. This article will give you a good insight into the pros and cons of the two companies’ boiler cover to help you make the best choice for your home.

British Gas Homecare Cover

Pros

• Reduced cost of services as a result of the annual payment option.

• An array of affordable packages including both few and several services

• Although vulnerable customers are prioritized, the company offers a 24/7 services.

• Unlimited claims

• Depending on what you wish to get, be it only a monthly boiler cover or more services, you’ll get several services’ options.

Cons

• With a 50% bad rating on a reliable customer review site, you know there is a question mark on the company’s customer service.

• Increment in renewal price after first year of service.

• Lacks cover for the boiler’s sludge or scale.

Homeserve Cover

Pros

• For most individuals, the 5 packages offered are affordable.

• 24 hour help hotline

• From reliable customer rating websites, the company offers a great service.

• Cover costs include both parts and labour.

• There are good options for one-off repairs.

• The options are cheaper than British Gas services.

• There are multiple choices for excess payments for various packages.

• An option for annual boiler repair.

Cons

• Lack of annual payment option

• The price of the packages will increase after the first year

• The services are mostly for houses or flats, while businesses and other types of property are being neglected.

How To Fix A Broken Boiler

To fix any problem when it comes to home appliances, the first step is always to identify the problem while also carrying out thorough checks - a broken boiler is not an exception. Putting enough time and effort in diagnosing a problem can go a lot way to save you both time and money. So here are some of the steps you can take to fix your broken boiler before you put a call out to a licensed engineer.

✓ Check to confirm if your pilot light is on. Whenever you’re facing some issues with your boiler, this should always be the first thing you do. The pilot light being on speak volumes, if the light is off then there’s absolutely no way the flame can start the appliance’s gas supply. You should try to put it back on, if off. To do this, you simply have to follow the detailed instructions on your boiler’s manual strictly. If after following these actions to the letter and the issue remains the same, then you’d probably need the services of an a qualified engineer. Never try to fix the issue on your own.

✓ Check the pressure. The solution to the headaches might sometimes be as simple as examining your appliance’s pressure gauge. Here, the good numbers are around 1.0 or1.5, if it happens to fall below this, then you should open the boiler’s instruction manual. You can also inspect your radiator valves for any leaks. You’d have to call in a specialist to solve the issue.

✓ Check the thermostat. Here, it’s important to note that a faulty thermostat doesn’t necessarily imply a broken boiler. It may just signify that you need to replace your thermostat. Simply check to ensure that your thermostat is turned on and temperature is at the appropriate degree.

No. You must never repair your own boiler – only a Gas Safe-registered engineer can do any work on your boiler. You can do simple DIY tasks to repressurise your boiler or stop a leak, but if you have to remove the outer casing of the boiler or touch the flue then you must get a qualified boiler engineer to take a look at your central heating system.

Can You Replace A Gas Boiler With An Electric Boiler?

In the UK, there are about 22 million households that are heated with the use of a gas boiler. However, do not assume that they’re the best type of boiler to install. The fact is, if your house isn’t connected to the main gas supply, the best option is for you to install an electric boiler rather than a gas boiler. So is it possible to replace a gas boiler with an electric boiler? The simple answer is yes. Both heating system options work in varying ways and also with a different impact on the environment.

The gas boiler is able to generate heat with the help of a gas burner. A heat exchanger is linked to the burner and heats the water available in its chamber. The hot water is then supplied to the heating circuit.

However, the thing is that natural gas can actually be more affordable when compared to using electricity to operate your boiler, but they have a negative impact on the environment. This is because gas boilers make use of an odourless, colourless and poisonous gas - carbon monoxide.

Meanwhile electric boilers are powered by electrical energy, hence, no carbon monoxide leak risks. Instead of using gas to heat up water, electric boilers distribute energy to heating elements which, in turn, heats up the water. So thinking about what’s best for the environment, you’d go for electric boilers. However, they’re more costly and are not as efficient as oil boilers.

If you reside in a smaller house that’s not connected to the main gas supply, then you might want to consider installing an electric boiler. However, if you live in a larger house, an electric boiler may not be the best option as they’re mostly designed to generate little quantity of hot water.

If your boiler is leaking, there are some checks that you can do yourself. However, you should never attempt to repair your boiler yourself – only a Gas Safe-registered engineer should conduct repairs.

There are 3 main reasons why your boiler might be leaking: there’s a pressure valve fault, a temperature valve leak or corrosion in the system. An engineer will be able to spot the problem quickly, but in the meantime there are a few things you can do:

Check the pipe fittings

If your boiler is leaking water around the pipe fittings, it could be an installation fault and you should get in touch with the engineer that fitted it. You can check the pipe fittings by drying the area then waiting to see if the water appears again. If it does, you may be able to do a ¼ turn of the pipe to stop it. However, you should still call the engineer that installed it to ask them to check the PTFE tape on the inside.

Inspect the seals

Over time, the rubber seals on a boiler can start to perish, so if you have an old boiler this could be the source of your leak. If you have a new boiler, it could be caused by your boiler running over pressure.

Heat exchanger corrosion

Unfortunately, if a boiler engineer discovers that the boiler is leaking water from the heat exchanger, this is the end of the road for your system. The heat exchanger is the most expensive part of your boiler, so it makes more financial sense to replace your boiler with a newer, more efficient model rather than try to replace it.

To ensure your boiler is functioning efficiently and to keep your home warm, it’s important to see that your boiler is serviced on a regular basis by a licensed boiler engineer. Failure to do this can result in sudden boiler breakdown which can be a hard hitting blow to one’s financial power especially when there’s no boiler cover to cushion the blow or totally avoid it all together.

When your boiler is covered, it implies that you’re protected in the event whereby your boiler or it’s controls malfunctions or break. Several boiler cover will include the servicing cost, while some may not so it’s advisable to always go through the details, no matter how small, before entering into a boiler cover agreement. Typically, a boiler cover will cost between £60 to £100 per year and the payment is made on a monthly basis. Various boiler insurance companies have varying cover cost, however, here are the common boiler cover policies:

• Homeserve charges from £13 per month

• EDF Energy costs from £13.29 per month

• British Gas from £12 per month

• Scottish Power from £13.13 every month

• CETRI UK charges from £13.50 every month

• 24/7 home rescue costs from £9.60 every month

• Gorgi Home Plan costs from £6 per month plus 3 months free

• Your repair charges from £9.60 per month

• NPower Boiler Cover costs from £10.92 every month

• SSE Boiler Breakdown Cover charges from £4.95 every month

It’s important to note that sometimes you have the option of adding your boiler cover to your existing home insurance, if you do not want a standalone policy for your boiler cover. In many scenarios, this is referred to as an extra or add on service referred to as “Home Emergency Cover. When compared to the standalone boiler policies, this is usually a lot cheaper as it comes in around £5 per month.

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.

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 standalone 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.