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What does a Boiler Insurance cover, is it worth The Money?

In our modern world you can find yourself paying out your hard earned cash on all different types of insurance; car, home, life insurance, so having to pay out for boiler insurance might just seem like another inconvenience, so is it worth it?

The heart of your home

Your boiler is undoubtedly an essential part of your home. Throughout the Winter, heating your home is a priority, without it you certainly know that Jack Frost has been visiting. If you have small children or elders in your home it is essentially important that your house is heated as the cold could have a detrimental effect on their health.

As for the rest of the year, you still need your boiler for your hot water, imagine not being able to have a shower in the morning or be able to wash your dishes after dinner. The fact is the boiler is the heart of your home, it is something that is often taken for granted and you really don’t realise how much you need it until it is gone. When you really start thinking about it boiler cover seems to become more appealing.

The consequences

So what happens if you don’t get boiler insurance? Quite often boilers tend to break down when they are under the most stress and always when you need it the most. Getting a boiler repaired throughout the winter will cost you about £300, an unexpected cost that you definitely will not need at that time of year. And if you need to replace it a new boiler can cost between £500-£2500 depending on whether you need a basic gas boiler or a combi boiler.

What does boiler insurance cover?

Companies offer different types of boiler insurance so it is important that you find the right one for you. Essentially, you want to make sure that your cover will keep your boiler working all the time. Standard insurance typically covers a 24/7 call centre so that regardless of the time of day you can organise an engineer to come and fix it. You can also get insurance to cover the cost of labour and parts. Most insurance companies also include a boiler service so that you can feel confident the boiler will continue to run for longer. You may also find that some companies will extend their insurance to provide full central heating cover.

Finding the right insurance for you

Taking all of the above into account if you do decide that it’s not worth risking it and you want to get insurance finding the right deal for you should be easy. Firstly, decide what sort of package you want and what is most important to you. When looking for and comparing deals it may not be best to just go for the cheap insurance, as it may not cover all of your needs. Do your homework, try comparison websites like USwitch and look at the cost of insurance on a long term basis as some companies hike up their fees after the first year. You can always switch further down the line if you are not happy with the service you receive.

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