Boiler cover is a type of insurance policy that provides protection and assistance in the event of a boiler breakdown. It can cover the cost of repairs, including call-out charges, parts, and labour, ensuring you're not left without heating or hot water. The level of coverage depends on the specific policy you choose.
Boiler cover is typically for homeowners who want to ensure they have prompt assistance and can manage the costs if their boiler breaks down. It's particularly beneficial for those with older boilers or those who may not have the funds readily available to cover potential repair costs.
What types of boiler cover are there?
There are three main types of boiler cover in the UK: Standard Boiler Cover, which focuses solely on the boiler; Boiler and Central Heating Cover, which extends to the entire central heating system; and Home Emergency Cover, which provides the most comprehensive coverage, including various household emergencies such as plumbing, drainage, and electrical issues.
What types of boiler can I get cover for?
You can get cover for various types of boilers, including gas, combi, condensing, and oil-powered boilers. However, it's essential to check with individual providers to ensure your specific boiler type is covered.
What if my boiler and central heating system is very old?
Some boiler cover providers place restrictions on the age of the boiler they will cover, with older boilers more likely to be denied due to the higher likelihood of needing repairs or replacement parts. Always check the specific age limitations with the provider to ensure your boiler is eligible for cover.
What if my boiler can't be fixed
Typically, if your boiler can't be fixed, your cover may contribute towards the cost of a replacement, but this depends on your specific policy. Check with your provider to understand what happens in the event of an unrepairable boiler.
If you move house, you can typically transfer your boiler cover to your new home, or you may need to cancel your current policy and take out a new one. It's important to check the terms and conditions of your specific boiler cover plan for more details.
How soon can I claim after taking out cover?
This will depend on the specifics of your policy, as some providers have a waiting period before you can make a claim, typically around 14-30 days after taking out the policy. Always check the terms and conditions of your policy.
Do I lose boiler cover if I switch energy suppliers?
No, boiler cover is separate from your energy supplier. You can switch energy suppliers without affecting your boiler cover policy. However, some energy suppliers offer their own boiler cover policies, which you might lose if you switch.
How long does a callout take?
The time it takes for a gas-safety registered engineer to arrive after a callout can vary depending on your cover provider and the specific circumstances. Many providers aim to offer assistance within 24 hours of a callout, especially in cases where you're left without heating or hot water, but always check with your individual provider for their specific timeframes.
