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Does Home Insurance Cover Boiler Repairs?

When winter comes, your boiler is most likely to be one of the most used appliances in your home. It keeps operating for several hours to ensure your house remains warm and conducive and then during those cold evenings, it supplies the much needed hot water to guarantee a restive night. But with so much usage and many moving parts, you’d naturally expect your boiler to breakdown at some point especially if it’s 7 years old or above. So what’s the next line of action when it happens, leaving your radiators off and water cold? With the likely high boiler repair cost, it’s only logical to consider whether your boiler repairs is covered by your home insurance.

In almost all situations, the standard home insurance will not provide coverage for the cost of repairing or replacing a broken boiler. Being fully aware that boiler breakdowns are mostly caused by a lack or not so regular maintenance practices or servicing, most home insurance providers will exclude it from this from their offerings. In fact, a home insurance is more likely to provide coverage for the damage that has happened as a result of a broken appliance. For instance, the damage caused as a result of gas, oil or water leaking from a boiler are more likely to be paid for by the home insurance providers, but they’ll not pay for the repair or replacement of the broken boiler itself.

If you need our home insurance to cover your boiler repair, then you might just be able to get an extra insurance cover from your provider that includes a broken boiler repair. You can consult them to determine if this is possible as well as the cost to be paid per month. This will normally cost about £5 to £10 per month, but it gives you a peace of mind knowing you’re covered if your boiler happens to breakdown.

Can You Get Oiled Fired Combi Boilers?

Absolutely! Oil fired combi boilers are not only a super cool alternative to gas heating, but also offer a cost-efficient means of heating your home. And this is best enjoyed especially if you’re one of the estimated 4 million houses that are not connected to the gas network.

Oil fired combi boiler enables you store fuel close to your property and fill it as required. There many A rated model options available in the market with the modern oil fired combi boilers confirmed to be up to 95% efficient. As a result of their multiple advantages over alternative heating systems, the oil fired combi boiler is expected to increase significantly in the UK. Here are some of the advantages of adding the system to your property.

• Oil fired combi boiler heats up water on demand while also saving a lot of fuel and being super energy efficient.

• Since oil needs more fuel than gas, a great return would be derived from every unit of energy.

• When compared with the other types of boilers, oil fired combi boilers have a considerably lower operating cost.

• A new oil fired boiler typically has a 92% to 95 % efficiency, which is significantly better than the 60% to 70% in older systems.

If you have an idea of how to operate the gas-powered alternative, then operating an oil fired combi boiler shouldn’t be an issue. In a similar way to the alternative, the boiler simply delivers the central heating through the radiators and hot water via your household’s taps.

However, the major difference between the two is the fact that the oil fired boiler needs a regular supply of oil, which is stored in a tank. The hot water supplied by the system is instant as it is connected to the water mains supply.

If your boiler is making strange noises or smells, or doesn’t seem to be working properly, it may need replacing. Boilers usually last about 10-15 years. Even if your boiler is working normally, it’s worth replacing when it gets this old. An annual check will establish if there are terminal problems with a boiler that cannot be fixed.

Modern oil boilers do not require a lot of maintenance. OFTEC recommends that oil boilers are serviced and inspected every year. This keeps them running as efficiently as possible and will ensure any issues with your boiler are identified before they cause bigger problems. This servicing is also vital because of the increased risk of carbon monoxide leaking from a poorly maintained boiler.

How To Fix A Boiler

A boiler is subjected to regular usage, working for a several hours a day and providing hot water for shower on a daily basis and even more so during winter. With it’s power and efficiency, we tend to postpone or even totally overlook its maintenance. However, no matter how good your boiler is, it consists of many moving components and it’ll certainly develop some faults some day. When the inevitable occurs, you might want to save some money and get it fixed all by yourself.

When it comes to fixing boilers, seeking help from a licensed heating engineer is usually the best solution, however at times you might be just lucky to be faced with minor issues which you should be able to handle yourself. In this article, we’ll look at some of the most common causes of a broken boiler and how you can get your heating system up and running again. Let’s have a look!

✓ Low system pressure. In the event whereby your boiler display a low system pressure, it could mean that the system is about to breakdown. You’ll have to carry out regular inspections on the pressure gauge to see if there’s any noticeable changes and call in a heating engineer immediately to prevent a system breakdown from happening.

✓ Poor heat production. Although this is unlikely to lead to any great issues, but it’ll reduce the effective functioning of your heating system. To prevent a debris build, it’s important to have your boiler cleaned regularly.

✓ Strange noises. Boilers often make noises, so there’s nothing to worry about unless it’s a banging or whistling noise that’s very odd , then there may be a serious issue. You’ll have to check the air intake, pressure, exhaust and piping to ensure they’re working just fine, if not there may be a need for replacement.

Re-pressurising your boiler means that you allow more water to enter system via the filling loop. It can be easy to re-pressurise your boiler yourself. Always check your manual, but there are some simple steps you can take to restore pressure to your boiler:

• Switch off your boiler and let it cool completely

• Make sure both ends of your filling loop are attached

• Open both valves to allow cold water into the system – you’ll hear it start to move

• Look out for your pressure gauge to show 1.5 bar

• Close both valves

• Switch your boiler back on

• Undo both ends of your filling loop and remove it. Remember some water might come out, so be ready to catch some spillage!

Yes. Modern condensing oil boilers are ‘A’ rated and therefore as efficient as comparable gas boilers. They come with the same controls as gas central heating systems, so you can still use a thermostat to control your heating efficiently. Also, oil is more efficient as a fuel source than gas, so you will get more energy per unit of oil. Oil prices can fluctuate, however, so ensure that you find a good supplier.

The size of boiler you need will depend on the size of your commercial property, how many radiators and bathrooms you have and how appliances willl need hot water at the same time. The boiler size refers to its output, which is measured in kilowatts (kW), rather than the actual dimensions. Speak to your boiler engineer about which boiler is suitable for you, as if you have more than one bathroom or a lot of people in your home a combi boiler might not suit you.