Everyone dreads losing heating or hot water. Lots of companies offer insurance that covers your boiler if it lets you down; you don’t need to buy it from your energy company. And if you have a boiler that’s fairly new, it’s unlikely you’ll need it at all.
5 things you need to know about boiler cover
1. You don’t need it if you’re renting.
If you’re reading this and you rent your property, you can stop now! It’s not your responsibility to sort out boiler cover. If something is wrong with your boiler, contact your energy company, your landlord, or your lettings agent.
2. Some boilers are covered by home insurance
Some insurance providers will include boiler cover, either as standard or an added extra. Check your policy before worrying about boiler cover as you may already have it.
3. You should carry out safety checks
If you’re a homeowner or a renter, you should insist on having a gas safety certificate when you move in. Your property should have safety checks carried out by a Gas Safe-registered fitter on boilers and anything else using gas.
4. Your boiler should be serviced every year
This is important from a safety aspect, but also can affect future costs. Many policies won’t pay if your boiler breaks and hasn’t been maintained properly.
5. Older boilers are less insurable
A lot of boiler insurance plans have an age limit on boilers. If you’ve had your boiler for longer than seven years it might not be covered. At this point, you might want to consider looking at buying a new boiler.
Whether your boiler is new or old, it’s always worth checking whether you could save on your gas and electricity. Shopping around for your energy could shave £100 off the average yearly bill.
Charlie Barton is a publisher at Finder. He specialises in banking and investments products, including banking apps, current accounts, share-dealing platforms and stocks and shares ISAs. Charlie has a first-class degree from the London School of Economics, and in his spare time enjoys long walks on the beach.
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