Finding yourself stuck with freezing pipes or a broken-down boiler in the middle of winter is everybody’s worst nightmare, not to mention the hours on the phone trying to find an engineer who’s available to come out when you need them and for the right price. To avoid this issue, it’s a good idea to take out a good boiler cover plan. For an annual or monthly premium, boiler cover will cover the cost of home emergencies, regular services, repairing your boiler and heating system or installing new parts, and in some cases, providing a replacement if necessary. But, how do you know what you’re looking for when choosing boiler cover, and what do you need to look out for? We’ve put together some top tips to help you choose the right cover for you.
#1. You Don’t Have to Sign up With Your Gas Company:
Signing up with your gas company is often the easiest option when you’re looking for boiler cover, but it can be very costly – and it’s an easy mistake to make. However, bear in mind that boiler cover is not only provided by gas and electric companies, and you can find several deals and options available. It’s worth taking the time to shop around, as you can find home emergency cover that includes your boiler amongst other types of cover, which is often worth investing in as you get a lot extra from it compared to regular cover from your gas company. Head over to Certi.uk to find out more about the different types of boiler cover available and compare options for your home.
#2. Don’t Wait Until You’re in an Emergency Situation:
Another common mistake that many homeowners make is waiting until they’ve found themselves in a situation where they wish they’d taken out boiler cover instead of just thinking about taking it out. However, bear in mind that most boiler cover will have a no-claims period at the beginning of your policy, meaning that you will need to pay upfront for any call-outs, services, or repairs that your boiler needed before you took the cover out. Make sure that you take precautions with a good boiler cover policy before anything goes wrong and read the fine print before you sign so that you’re aware of any no-claims period.
#3. Find Cover that Includes Annual Servicing:
Whilst the most important thing that you are looking for with boiler cover is the assurance that comes with knowing your boiler isn’t going to cost you the earth if anything goes wrong, it’s a good idea to look for cover that also includes annual servicing, checks, and inspections too. It can be all too easy to forget about booking your annual boiler service and leave your warranty invalid or worse, put your home and family in danger. Cover that automatically covers the cost of having your regular annual service carried out by a Gas Safe engineer will help to keep your boiler in a good and safe working condition for longer, in addition to improving efficiency.
#4. Consider the Type of Cover:
When it comes to boiler cover, you can choose from a range of options, for example, basic boiler cover alone, boiler cover with the cost of servicing included, and home heating system cover. Central heating cover will cover your entire central heating system, giving you peace of mind knowing that you are covered if something goes wrong with your pipes and radiators, even if the boiler is working fine. On the other hand, if your old boiler is a main concern compared to newer pipes, boiler cover alone will usually be sufficient – and a cheaper option.
#5. Check the Level of Cover Offered:
Lastly, it’s a good idea to check the level of covered offered before you decide on any policy. Just like most insurance policies, most heating cover will place limits on the amount that you claim in a given year, or the number of times you will be able to call an engineer out. If this is the case, then it’s a good idea to do the maths and work out the level of cover that you would need, compared to the cost of replacing your boiler, for example. In addition, consider the number of permitted call-outs. Some cover types will allow for unlimited call-outs whilst for others, this will be capped at a certain number per month or year. If you have an old boiler that’s prone to problems, for instance, it’s probably going to be worth investing the additional money into getting unlimited call-out cover, whilst new boilers will probably not need this level.
When it comes to keeping your boiler in good condition and providing you and your family with peace of mind, getting the right type of boiler cover is a must.