Are You Eligible?
If you own your own home, you are eligible to take out boiler insurance except if you live in a bed-sit or mobile home. Properties with seven or more bedrooms and those used for commercial purposes require an industrial heating cover and boiler plan. If you rent your home privately, it is your landlord’s responsibility to arrange boiler insurance and council tenants have special arrangements laid out in their tenancy agreement provided by their local authority.
There will probably be certain exclusions as to what is covered in your policy. This may mean your boiler is covered but not any other components of your central heating system. Most providers do not offer the full cost of replacing your boiler should it be necessary, instead having an upper limit on the monetary value that can be claimed. Always check the small print of your agreement for details of what is or isn’t covered by your heating cover plan.
Not all central heating systems are eligible for heating cover and boiler insurance. Most providers will not cover a system over a certain age, as repairs will not be economical. Older central heating systems and boilers may break down frequently, resulting in expensive repair costs or replacement parts may no longer be easily obtained.
If you’re thinking of taking out boiler insurance have a look at the different plans available from each provider. Spend some time comparing plans and buy the cover that is right for you. It’s a good idea to have arrangements in place in case of an emergency, particularly during winter when qualified engineers can be in high demand.