When it comes to buying and maintaining a boiler, it’s always better to hope for the best and prepare for the worst. You never know when your boiler may give up on you, and it could be disastrous if your boiler fails at a critical time. So, what can you do to make sure this doesn’t happen? Well, one of the solutions would be to take out boiler cover for your new or existing boiler. In this article, we’re going to touch on what boiler cover is exactly and why you should consider it.
What is Boiler Cover Exactly?
A boiler cover plan will give you access to services from a certified heating engineer in case there’s any malfunction with your boiler. You’ll be able to contact them any time if you’re experiencing issues and they will make sure that your unit is up and running in no time. In addition to that, this type of special insurance will also allow you to get regular check-ups from an engineer to make sure that your boiler remains in working condition.
The price you’ll have to pay for coverage will depend on the supplier and the level of assistance you want. For example, Certi offer both boiler cover and home emergency cover starting at just £12.50 per month and their basic plans will cover things like free boiler health checks and service, central heating service, as well as plumbing, electric, and drain repairs.
This type of insurance can also be taken on an old model and could come in very handy. However, if you want to get cover on an older boiler, you’ll usually have to wait for a certain period until the contract kicks in to make sure that they won’t have to deal with pre-existing conditions.
Who Needs Boiler Cover?
While getting cover on an old model is always a great choice, you should also consider getting cover if you’re getting a brand-new unit. New models have issues all the time, especially if you bought your boiler from a less than reputable supplier. As a matter of fact, it has been estimated that you have about a 45% chance of your boiler malfunctioning within the first six years if your boiler comes from a second-tier manufacturer.
You should also consider getting coverage as a backup if you ever notice that your unit is showing signs that it might be at the end of its life. One of the things you should be looking at is the boiler’s pilot light. If you notice that it has an orange tint to it instead of blue, then it might be a sign that the unit isn’t performing optimally. Another sign is if your energy bills are suddenly higher than usual.
If the unit emits some weird clicking noises, or if you notice a sudden drop or rise in pressure, then this is another tell-tale sign that there’s something wrong.
Is Boiler Cover Worth the Price?
Getting boiler cover is about more than just the price. It’s about having the peace of mind of knowing that you’ll get instant service if your boiler fails at a critical time. If you have to deal with harsh winters and want to be covered in case something happens, then getting coverage absolutely makes sense. Another occasion where getting cover makes sense is if your current unit is unreliable and constantly needs servicing.
What Type of Coverage Would Be the Best for Me?
There is a wide variety of coverage out there and while some policies will cover only the strict minimum, others will cover things like sockets, fuse boxes and switches, and some small services free of charge. Some will even go as far as offering pest control services. It’s all about assessing your particular needs and seeing which type of coverage would actually be worth it.
The more you pay, the more coverage you’ll get, and the difference is sometimes very small between basic and full coverage. But if you have a new unit and you want to cut costs, basic coverage should be ok for the moment.
If it’s for an older boiler, you also have to know that some policies will have an age limit on the boilers they cover. The limit will usually be somewhere between 7 to 10 years. So, make sure that you check their policies and know if you’ll actually be eligible. It would also be wise to look at unlimited claims policies that will cover replacement costs in case you have to buy a brand new unit if it’s damaged beyond repair.
Getting boiler cover is essential whether you have a spanking new unit or if you think your current unit might need some servicing soon. Make sure that you check all the options available and look for the best coverage possible.