Saturday, November 27, 2010

Boiler Insurance

Modern plumbing may be an amazing thing that we take for granted, but that doesn't mean that things don't go wrong, or even that they only go wrong rarely. In fact, at this time of year when people go to switch their central heating back on after nearly half a year of not being operated, there's that constant chance that something will go wrong. Whether it's a burst pipe, broken timer or pump or blocked radiator, your central heating system will one day fail, and you won't be able to fix the problem yourself.

Obviously, the typical solution it to call out a plumber, but this is can be a very expensive home call, with prices rising up to £300 for a problem with a typical boiler repair job in London. Instead, getting boiler insurance can be a much wiser choice, with the typical price for cover costing around £200 a year, including a single yearly check-up of the system which can prevent future breakdowns.

Of course,boiler insurance like all forms of insurance is simply an exercise in risk. The money you 'save' is only going to work for you if your boiler does actually break down, so whether or not you need boiler insurance is going to be a personal decision based on how likely it is for your boiler to breakdown, the current state and age of your central heating system and how much you value your piece of mind when it comes to household problems and emergencies.

You also may not need boiler insurance at all. Most people who rent properties are not responsible for the heating system or the boiler, which means responsibility falls on the landlord or estate agent to make and pay for repairs. This isn't always the case though, so make sure you find out exactly who is responsible for the boiler before considering getting everything insured.
There are a number of different boiler providers in the UK. The biggest is Homeserve, which currently serves around three million customers with different types of heating and plumbing policies. These policies range from the most basic which only cover specific problems with the boiler to all-round central heating cover which can even extend to covering things like electrical wiring. Cover like this is usually unnecessary for most home owners.

However, it's vital that you find out exactly what your policy does cover, as there are a large number of things that can go wrong with a heating system and there's nothing worse than paying into a monthly policy only for something to go wrong outside of your cover and having to pay out again just to get it fixed. Also make sure that you aren't double insuring various items - some things covered as extras by boiler insurance companies may already be covered in your home insurance policy.

The website is one which has accurate and impartial advice and information on many aspects of the world of energy consumption and contracts. For those in search of energy prices you will be able to see up to date gas and electricity prices. The fact that the advice is impartial is very important if one is to trust that advice to base decisions on.


  1. yea plumbers can be expensive, i know here in the states, you actually call a central heat and air professional. blah.

  2. Insurance service providers are provide service in many fields. like as car insurance, auto insurance, health insurance, life insurance, event insurance and as per customer requirement,insurance company also provide custom insurance policy also.

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  3. Is this option covered under a home insurance policy or one has to buy a separate plan. I was wondering that my home policy will offer me protection for this kind of risk. I will talk to my agent today to clear my confusion.
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  4. The illustration is really nice to get this info comprehensive.

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