There is nothing worse than having your boiler break down just when you need it most. With the winters which the UK has endured in the last two years, having a functioning boiler is more important than ever. Add to that the fact that a boiler which is not working well can be expensive to run, bad for the environment and possibly dangerous. It is clear that you need to be sure your boiler is in tip top condition and that it can be fixed if anything goes wrong.
But do you really need boiler cover? It can seem like a good idea if you have concerns that your boiler may be likely to break down, or if you don't want o be saddled with a huge bill from a gas engineer. But it may not be necessary. Yes boiler cover is worthwhile in some cases, but certainly not in others.
- Only buy cover if you own your own home. If you rent, it should be covered by your landlord.
- Check your home insurance cover to see if your boiler is covered before you buy separate cover.
- Do not get covered by your energy supplier just because they suggest it. It is likely to be more expensive than shopping around and it is not compulsory.
- If your boiler is new, the chances of it breaking down are minimal and if it does, the repairs are likely to be easier than an old boiler. So this may influence your decision.
- Check out how much it costs to have a yearly boiler check and the cost of the average repair. If this is less than your premiums then it is not worthwhile. On average a boiler repair costs less than £200 and it may not break down more than once a year.
- Consider putting a little money aside to cover an emergency rather than taking out a policy.
- In all cases get your boiler checked by a professional at least every year.
If you decide that you want to go ahead and get boiler cover then you need to follow the next steps to ensure you get the best value for money:
- Use a comparison site to find the best deal. Make sure you look for extras such as water damage cover, central heating cover and yearly safety checks.
- Check to see how may callouts you are entitled to, is it round the clock help, what they consider an emergency to be and what the no claims period is.
- Make sure your boiler model is covered. Some older models may not be covered at all or may have a higher premium.