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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.

Your LPG storage tank will need to go outside your property, possibly underground if you have limited space. There are planning rules that restrict where you can put your tank, especially if your property is listed or on designated land. Take a look at our planning permission article to find out more.

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.

Your LPG storage tank should have a gauge that shows you how much fuel it has in it. Most LPG suppliers suggest that you arrange a fuel delivery when the level in your tank gets down to about 20%. Make regular checks, particularly in the winter when you will use more, so you know when levels are low.

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 Is A Boiler Service?

A broken boiler can be a huge pain and even more so if it occurs during the winter months. A cold house and cold shower is not a situation to be handled with levity especially when there are older people or more vulnerable members in the house. To ensure your boiler keeps functioning the way it should for a lengthy period of time, it’s crucial to ensure that you have your boiler serviced on a yearly basis. But while the summer or warmer months happen to be the most cost effective time to have the boiler servicing done, doing it during the depths of winter can go a long way to ensure that you and your loved ones get through the cold without any unwanted occurrence or boiler issues.

Generally, to have your boiler serviced will cost anything within the range of £80 to about £120, but at times, this can even be more depending on a plethora of factors. The servicing cost will be based on the particular company you choose, the type of boiler you possess, as well as your location in the UK. For instance, if you happen to live in London where demands are higher than the other regions, then you’ll most likely have to pay more money to have your boiler serviced than other homeowners facing similar issues but staying in the other lower demand regions.

Asides from hiring a professional to service your boiler on an annual basis, you should also try to help maintain its efficiency and health in between those services. This will not be a substitute to the regular servicing or even make the servicing a lot simpler, but will surely help keep it at a maximum efficiency while also keeping the cost of your heating bills down.

Ad hoc visits from your engineer to fix small issues with your heating system may actually seem cheaper and a lot more affordable, however when a boiler is ripe enough for a change these small issues are always never ending. Over some period of time, these small issues will inevitably get worse and the idea of “mend and make do will be an absolutely false economy. The best course of action in this sort of event is to find a replacement boiler to install as soon as possible. In this article, we’re going to give you some hints that’ll show you when your boiler needs to be replaced. Now let’s take a look!

✓ Insufficient hot water. Here, you’ll have to check the size of your hot water cylinder. It’s crucial to make sure that your boiler is rightly sized to power your heating as well as hot water circuit in line with your demands. You should always seek the advice of a heating expert who can recommend whether to fix or replace the boiler.

✓ Strange noises. It’s normal for components of the boiler to become worn or damaged over time. Replacing the particular component that’s causing the knocking or rattling may seem cost effective at first but more often than not, the noises usually signal a bigger issue which is likely to build up over time. Hence, it’ll be a lot more logical to replace the boiler itself.

✓ Regular repair of your boiler. It’s essential to have your heating system serviced by a Gas Safe engineer on an annual basis. However, when you have to call them more often than once a year for your yearly maintenance, it may be a wise decision to consider getting a replacement.

✓ Other events whereby you may need a new boiler includes when you can’t get the right temperature in your room, when the radiators don’t heat up as they should, when your boiler leaks and if your boiler still has a pilot light.

If you choose to install an LPG boiler, you’ll need to find an LPG supplier. They’ll deliver fuel to you every time your storage tank runs low. You can even rent a storage tank from them if you don’t want to buy one. Make sure you know who your local suppliers are and where they are based.