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LV Boiler Cover Review: Pros, Cons & Deals

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Boiler cover has become essential for homeowners who want to protect themselves against unexpected breakdowns and costly repairs. One of the leading providers of boiler cover in the UK is Liverpool Victoria (LV), a trusted and well-established insurance company.

LV offers comprehensive boiler cover as part of their home emergency plans, ensuring that customers receive prompt assistance in the event of a boiler breakdown or plumbing emergency. Their service includes access to a 24-hour helpline, emergency assistance from approved repairers, and coverage for expenses up to £1,000, including call-outs, parts, labour, and VAT.

Choosing LV boiler cover not only offers peace of mind to homeowners but also ensures they receive expert help quickly if a problem arises. This reliable and prompt service allows them to focus on other aspects of their lives without the stress of handling boiler issues on their own.

Understanding LV Boiler Cover

LV offers a range of insurance products to help homeowners protect their property and possessions. One such product is Home Emergency Cover, which can be purchased as an add-on to your existing home insurance policy. This cover can provide assistance and financial support in case of boiler breakdowns as well as other emergencies.

Boiler breakdowns can be inconvenient and expensive to repair, particularly during the cold winter months. With the Home Emergency Cover in place, you can have peace of mind knowing that assistance is available in the event of a boiler failure. The cost of this additional cover is £49.99 when purchased directly from LV.

When choosing the best boiler cover, it's essential to understand the policy's specific terms and conditions. Some key factors to consider include the type of boiler you have, its age, and whether the cover includes regular servicing by registered engineers. It's advisable to have your boiler serviced annually by a Gas Safe registered engineer for gas central heating or an OFTEC registered engineer if you have oil-fired heating.

Aside from boiler cover, LV also offers a range of other optional extras that can be added to your home insurance policy, including legal expenses cover and accidental damage cover. The legal expenses cover, for example, provides up to £100,000 in support for cases such as claiming compensation for injuries or protecting your legal rights as a homeowner.

In summary, LV Boiler Cover can be an essential addition to your home insurance policy, ensuring that you're protected in case of a boiler breakdown or other home-related emergencies. By understanding the policy terms and selecting the right cover options for your specific needs, you can feel confident and secure in your home.

Key Features of LV Boiler Cover

Benefit Details

LV Boiler Cover provides peace of mind by offering protection for your boiler and central heating systems. Here are some key benefits:

  • Boiler repair coverage: In the event of a breakdown, LV will arrange for a registered Gas Safe engineer (for gas central heating) or an OFTEC registered engineer (for oil-fired heating) to carry out the repairs.
  • Annual boiler service: Ensuring the efficiency and safety of your boiler through regular servicing by registered engineers.
  • Up to £500 towards boiler replacement: If your boiler is deemed beyond economical repair and has been serviced within the last three years, LV will contribute £500 towards the replacement cost.
  • Internal plumbing and drainage coverage: Protection for any damage or failure of your internal plumbing and drainage system at your home.

Limitations and Exclusions

While LV Boiler Cover provides comprehensive protection, there are certain limitations and exclusions to be aware of:

  • Pre-existing conditions: Any issues present before the cover was taken out are not covered.
  • Accidental damage: Damage caused by accident or negligence is not covered.
  • Non-standard boilers: Boilers with an output greater than 60 kW, thermal stores over 250 litres, or warm air heating systems are excluded.
  • Regular maintenance: Costs associated with routine maintenance or repairs due to wear and tear are not covered.

For a detailed understanding of the coverage and exclusions, it's essential to review the terms and conditions of the LV Boiler Cover policy.

Cost Breakdown of LV Boiler Cover

LV offers Home Emergency Cover for £49.99 when you purchase directly from them. It is important to note that this cover may include boiler coverage, but specific details regarding boiler repair and replacement costs depend on your policy.

For instance, the LV Home Emergency policy document states: "We'll cover the cost of replacing your boiler, providing the current boiler has been serviced within the last three years." This implies that boiler replacement fees are included in the Home Emergency package as long as your boiler is well-maintained and regularly serviced. However, it is crucial to read and understand your policy document for specific details.

Apart from boiler repairs and replacements, LV Home Emergency Cover also offers assistance with internal plumbing and drainage system issues. The policy states that this includes the "cost of repairing or replacing any main heating system component," which may fall under the scope of boiler cover.

It is important to remember that your overall boiler coverage costs may also depend on other factors, such as the installation fees associated with central heating systems. According to LV, the cost to install central heating ranges from £3,000 to £5,000, depending on whether the plumbing needs to be reworked.

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In conclusion, while the LV Home Emergency Cover for £49.99 does appear to offer some level of boiler coverage, the specific details of your policy will ultimately determine the extent of that coverage and the associated costs.

How to Get LV Boiler Cover

Eligibility

To be eligible for LV Boiler Cover, it's important to make sure your boiler meets certain requirements, such as being serviced within the last three years by a registered engineer. Depending on the type of heating system you have, this could be a registered Gas Safe engineer for gas central heating or an OFTEC registered engineer for oil-fired heating1. Ensuring your boiler and central heating system are well-maintained increases the likelihood of being accepted for LV Boiler Cover.

Application Process

Applying for LV Boiler Cover involves a simple process. You can visit the official LV Home Insurance website to find the available options, including LV Home Emergency Cover which is priced at £49.99 when purchased directly. During the application process, provide accurate information about your boiler and heating system to ensure a smooth quotation process.

It's advisable to compare the optional extras offered by LV with your specific requirements to choose the best suited cover for your home. These extras might include cover for emergency repairs as well as additional elements such as annual boiler servicing and central heating system checks. Always double-check the terms and conditions to fully understand what each policy entails, avoiding any potential surprises during a claim.

Claiming on Your LV Boiler Cover

If you need to make a claim on your LV boiler cover, it is essential to follow the correct procedure to ensure your claim is processed efficiently. This section will provide you with a straightforward, step-by-step guide to handling your claim.

First, assess the urgency of the issue. If it is not an emergency, the quickest and easiest way to make a claim is by logging in or registering your account with LV=. If you have any issues, don't hesitate to contact their customer support.

In the case of an emergency or a more urgent situation, it is advisable to report the issue immediately using LV's Home Emergency Cover service. The cost of this extra insurance is £49.99, and it can provide you with prompt support in handling urgent home-related issues.

If your situation involves damage caused by water leaks, LV will cover the cost of removing and replacing any part of your home's structure to find the source of the leak. They offer financial support of up to £5,000, or £10,000 for their Home Plus package.

Proper care and maintenance of your boiler are in your best interest to prevent complications and issues. You should have your boiler serviced once a year by a registered Gas Safe engineer if you have gas central heating. If your system is oil-fired, use an OFTEC registered engineer. You can find more information on this topic in LV's guide on how to look after your boiler and central heating.

In summary, when claiming on your LV boiler cover, make sure to initiate your claim through the appropriate online or emergency channels. Keep in mind the company's financial coverage for various types of claims and the importance of routine boiler maintenance to minimise potential issues. LV strives to provide confident, knowledgeable, and clear support for its customers in their time of need.

Cancellation and Renewal Process

LV provides a straightforward process for cancelling and renewing boiler cover. Customers can cancel their home insurance renewal or make payment changes online up to 4 working days before the cover is due to end. To access the cancellation and renewal options, customers can visit the renewals page and enter their policy number and renewal date.

For customers who prefer speaking with a customer service representative, LV offers different contact numbers depending on the purchase date of the home insurance policy. If the policy was bought before 22/11/2022, customers can call 0330 678 5200, whereas, for policies purchased on or after 22/11/2022, the contact number is 0330 678 5111. Customer service is available Monday to Friday from 8 am to 8 pm, Saturday and bank holidays from 9 am to 5 pm, and Sunday from 10 am to 4 pm.

It's essential for customers to be aware of their renewal date and proactively manage their boiler cover policy to avoid any lapse in coverage or unwanted automatic renewals. Customers should also review their policy details and update necessary information to ensure the ongoing suitability of their boiler cover plan.

Customer Reviews and Ratings

LV is a renowned insurance company with a solid reputation among its customers. When it comes to boiler cover, there have been numerous positive reviews and ratings, which showcase their commitment to providing excellent service.

One of the most popular platforms for customer reviews is Trustpilot, where several customers have shared their experiences with LV boiler cover. Most customers express their satisfaction with the insurance plans provided by LV, highlighting aspects such as good value, excellent customer service, and a streamlined claims process.

LV consistently ranks high among the insurance providers on these platforms, further cementing their status as a reliable and cost-effective option for boiler cover in the UK.

Moreover, independent reviews also highlight LV's achievements in the insurance sector. In recent years, LV has received multiple awards from Moneyfacts, including being named the Best Income Protection Provider 13 times, to provide customers with the best services possible.

Although the above information indicates a positive reputation for LV's boiler cover, it's essential to always assess individual needs when considering insurance options. By exploring these resources, potential customers can make an informed decision about their boiler cover and select a plan that best suits their requirements and budget.

Comparing LV Boiler Cover

LV offers a comprehensive home insurance package that includes an optional add-on for Home Emergency Cover, priced at £49.99. While it's not specifically marketed as boiler cover, it does involve certain benefits that homeowners can take advantage of, especially during times of need.

With a growing variety of boiler cover providers to choose from, it is essential to highlight what sets LV's offering apart. One key advantage of LV's emergency cover lies in its well-rounded, holistic nature. This package goes beyond just boiler breakdowns and central heating issues, encompassing a broader range of potential emergencies that may occur within the home.

In contrast to specific boiler cover plans like EDF's BoilerCare Gold, which focuses on boiler and central heating maintenance but has an excess charge of £95 per callout, LV's Home Emergency Cover includes not only the breakdown of the main heating system but also issues related to plumbing, drainage, roofing, and pest infestations, among others. This comprehensive approach may appeal to homeowners looking for a more extensive protection plan.

To ensure the longevity and efficiency of your boiler and central heating system, regular servicing is recommended. LV encourages homeowners to have their boilers serviced at least once a year by Gas Safe-registered engineers (for gas central heating) or OFTEC-registered engineers (for oil-fired heating).

In summary, LV Home Emergency Cover offers a wide-ranging and holistic approach to home protection, encompassing boiler maintenance and more. Individuals considering various boiler cover options would benefit from understanding the specific features offered by LV and other providers before making a decision.

Conclusion

LV offers a comprehensive boiler cover as part of their Home Emergency Cover, providing peace of mind in case of boiler breakdowns and other home emergencies. Owners can protect themselves from unforeseen expenses related to boiler issues and ensure a swift response when problems arise.

It is crucial for homeowners to regularly maintain their boiler and central heating systems. LV recommends having an annual service by a registered Gas Safe engineer for gas central heating or an OFTEC registered engineer for oil-fired heating systems. This proactive approach helps prevent potential issues and prolongs the life of the heating system.

Boiler cover can be a worthwhile investment for some homeowners. However, it's essential to research and compare various options to find the best fit for individual needs. There are multiple factors to consider, such as price, coverage scope, and customer reviews.

In conclusion, LV's boiler cover is a viable option for homeowners seeking protection from boiler breakdowns and other home emergencies. By maintaining their boiler regularly and selecting suitable boiler cover, homeowners can achieve peace of mind and ensure a comfortable living environment.

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Mark McShane
Head of Content
Mark McShane is not just an expert in solar and heating sectors but a passionate mentor and a go-to guy for everything related to solar and heating technologies. He's the proud owner of Skills Training Group, where he has been sharing his extensive knowledge and shaping professionals to meet the industry's ever-growing demands. Mark has spent years in the field, embracing the latest trends and mastering the cutting-edge technologies in solar and heating. He’s not just about textbooks and theories; he understands the practical aspects, the challenges, and the innovations that are shaping the solar industry. His passion for gas boilers and solar energy is contagious, and he has helped countless individuals, be it fresh faces eager to learn the ropes or seasoned professionals wanting to up their game, to thrive in the dynamic world of solar energy. His approach is friendly, insightful, and incredibly enriching, making him the perfect guide for anyone looking to enhance their skills and make a mark in the solar industry. Whether you’re just starting out in the world of boilers and solar energy or have been around and seen it evolve, reaching out to Mark can open new doors of knowledge and skills for you, enabling you to be a part of the green energy revolution.
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