What should I expect from my boiler insurance?
Boiler insurance varies hugely between providers, but you can expect a certain level of service and response for your money. Here are a few things that we think you should be looking for when signing up to boiler insurance.
- 24 hour helpline
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- You should be able to call a phone line 24 hours a day and have an emergency call-out to your home 24 hours a day. Thankfully this is offered as standard by most good boiler insurance providers.
- Old boilers, is mine eligible?
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- Boilers over 15 years old are not covered by a number of different boiler insurance providers so make sure you fit the criteria before signing up. However, Homeserve have recently changed their criteria to allow a huge number of previously-excluded boilers so take a look and see if your boiler qualifies.
- Emergency gas boiler repairs
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- Your boiler has broken down so you can reasonably expect the engineer to fix it. There is usually a part costs limit, which will vary. If your boiler is beyond economical repair then you should expect a payment to be made towards a new boiler (this £ amount will vary depending on the insurance products, but it can range from £200-500). Do remember that what you consider to be an emergency, such as a lack of hot water, may not be seen as an emergency by your insurance company, so check the terms and conditions.
- Boiler pump repairs
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- Boiler pumps are covered by most boiler insurance products, but check to make sure as the boiler pumps can stop working.
- Gas boiler leak repairs
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- A gas leak can be very serious for you and your family, as leaking carbon monoxide can kill very quickly. Make sure your insurance policy covers gas leaks, although it almost certainly will.
- Gas boiler electrical fault repairs
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- As your boiler gets older you could find that it has electrical problems, and they can be costly to correct so make sure this is part of the policy.
- Yearly gas boiler service
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- Some boiler insurance policies will also include a yearly service, like the Homeserve Gas Boiler Insurance and Annual Service policy. It is important to keep your boiler well-maintained to reduce the chances of a breakdown and to keep your boiler running safely and efficiently. If you are a landlord then you are required by law to have an Annual CP12 Boiler Safety Certificate, so any landlord should make sure this is included in their policy.
- CORGI Gas engineers
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- All repairs to gas boilers must by law only be repaired by a qualified CORGI gas engineer, so make sure the company insure with only uses qualified engineers.
- No Claims period
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- Many products available have a no-claims period of around 30 days, so you cannot call out an engineer within the first 30 days of you buying their insurance. This is to stop people buying insurance then immediately claiming. Check the terms and conditions of the insurance you are looking at to see if this applies, and decide whether it is an issue or not.
Best Boiler Insurance Policies
Below you will find a selection of our best rated boiler insurance policies all provided by the market leading companies in the UK.
Homeserve boiler insurance offers 24/ response and professional, qualified engineers from £3.82 per month. Get an online quote…
British Gas also have low cost boiler insurance too, with unlimited call-outs and full system cover at £11.65 per month. Get an online quote…
NPower also offer insurance for boilers and heating systems, although it’s a little more expensive at £10.50 a month. Get an online quote…
