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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.

Condensing boilers are the in-thing when it comes to modern heating systems in UK homes and across the globe for a good reason. This is primarily due to the fact that condensing boilers happens to be highly efficient as it enables the fuel you’re burning to heat up your home go a lot further. Having a new high efficiency condensing boiler rather than an old G-rated non condensing boiler will not only enhance your heating controls, but also save you a lot of money annually. In this article, we’re going to take you through the basics of a condensing boiler. Let’s take a closer look!

If you’re interested in getting a greener and more efficient boiler, you simply can’t afford to look beyond a high efficiency condensing boiler. This is purely due to the fact that these condensing boilers happens to make a better use of the heat they’re able to produce from burning fuels like oil or gas ( in other words, they require less heat from the burner, which makes them a lot more efficient).

So how does a condensing boiler work? Unlike a non-condensing heat-nly boiler, some heat will be wasted in form of hot gases which are released from the flue. Meanwhile a condensing boiler captures some of the heat from these gases and puts them to use for heating up water that’s coming back from your central heating system. As a result, it requires just a minimal heat from the burner which make the boiler more efficient.

You should take note that all new modern boilers are condensing boilers. Therefore if you’re planning to replace an old boiler with a new one, you’ll definitely be buying a new condensing boiler and benefit from all the efficiency and savings that comes with it.

When it comes to gas boilers, this is one of the most frequent questions that always pops up and for a good reason. When you invest a considerable amount of money to acquire and install a gas boiler in your home or property, it’s only reasonable not only to expect the boiler to warm up your home efficiently, but also to do so for a long period of time. If you’ve just bought or about to get a new gas boiler, it’s likely you won’t have to worry about getting a replacement for a lengthy period of time. Several gas boilers will last for anywhere between 10 to 15 years on the average. However in the event whereby you have an existing one that’s fast approaching the end of it’s useful life, then you should know the time go get a new gas boiler is just around the corner, and the earlier you make the purchase, the better (to avoid any surprise breakdowns that’ll leave your home super uncomfortable).

Just like any other home appliance, it’s a fact that an older gas boiler ( especially those that have been installed over a decade ago) are significantly less efficient that the new modern ones. When the older versions were manufactured is a completely different time to now as both technology and climate concerns are wide apart. So when your existing boiler is approaching the end of it’s useful life, it’ll be wise to start saving up to cover the cost of getting a new one. However, if it’s only about 5 years ago your boiler was installed, it’s highly likely to still be very efficient.

If you’re thinking about getting a new gas boiler for your home or property, then you might also be wondering how much it’ll cost you so you can set a budget and start planning. As simple as this question sounds, it’s actually very tricky to provide a simple and short answer as the costs of installing a new gas boiler alone varies greatly based on the parts needed, the amount of work required, your location, their availability as well as the company you hire for the project.

When it comes to purchasing a new gas boiler the price you’re expected to pay also depends on multiple influencing factors such as the type, brand as well as your most preferred gas boiler model. However, one thing you should have in mind is the fact that your gas boiler is right at the heart of your home or property and can be a complicated piece of machinery. As a result, you wouldn’t expect gas boilers to come cheap. Generally, it’s going to cost within the range of £500 to about £2,500 to get a new gas boiler. Therefore, it’s always advisable to obtain all necessary details and facts before you decide to purchase a replacement gas boiler.

This price range may seem too high as it’s usually a turn off for most homeowners. However, it’s worth noting that gas boiler replacement costs and gas boiler installation costs are, more often than not, compensated by the saving you’ll make off your utility bills - all thanks to the new and more energy efficient boiler you just installed in your home. And even more importantly, when it has been estimated that roughly half of the amount spent on energy on an annual basis depends on your boiler.

Who Fixes Boilers?

With boiler running for several hours in a day and working hard to ensure that our home stays warm, even when we tend to take it for granted it’s always there give us the heat we need whenever we need it. So in the event whereby the inevitable happens and your boiler breakdown, which professional is the most suitable to call for help? When the pressure is on to stop a boiler leak or bring back warmth to your home, knowing who to call can make all the difference.

When you need a professional to fix your boiler, the right professional to call is a heating engineer. Heating engineers work mainly on heating I both homes and businesses, so you’d be right to call them specialists in all heating matters. As a result of this, you may want to give them a call when experiencing some issues with your boiler as they’d be in the best position than any other professional to give you a proper solution.

Generally, heating engineers are experts when it comes to fixing boilers and can help with various tasks such as installing a new boiler, boiler repairs, installing new gas pipes, repairing gas leaks, changing radiators, fixing leaks, installing heating controls and many more. What’s more? A boiler repair has to do with working with gas and before you can do that you must be a Gas Safe registered engineer as required by the legislations in the UK. In other words, any gas boiler related issue must be tackled by a Gas Safe registered engineer as this is a very dangerous fuel in which the services must be provided to highest standards of safety. Only heating engineers can be a Gas Safe registered engineer to work on gas boilers.

A boiler is simply the most important part of a central heating system as it generates the heat that warms up the home or property. Basically, the appliance or small furnace makes use of gas, LPG or oil in order to fuel its operation. However in the UK, most boilers are usually fuelled by natural gas which is supplied automatically from the national gas grid. And depending on how it operates, there are various types of boilers.

Typically, a gas central heating boiler will have multiple pipes entering from underneath. While one pipe supplies the boiler with gas from the mains gas supply, another pipe allows cold water to enter the boiler to be heated, the last pipe then enables hot water to exit the boiler so it can be distributed around the home.

✓ There are fuel jets and heat exchangers inside the boiler. When the heating is turned on, a valve is opened to allow the mains supply gas to enter a sealed combustion chamber in the boiler. There are multiple little valves which permit the entry of the gas before being ignited by an electric ignition switch. These jets heat a metal component in the boiler known as a heat exchanger which works to transfer the heat to the cold water pipe and heat up the water.

✓ Once the water has been heated to the target temperature, it’s then pumped through a circuit of pipe which runs around your home by an electric pump.

✓ The heated water enter each radiator, is then transmitted via a closed loop and radiates heat into each room.

✓ Once done travelling through all radiators, the water then returns to the boiler at which it must have been cooled. Therefore, the boiler will have to reheat following the same process before circulating. The water can only be drained by a professional Gas Safe engineer

Breakdowns of boilers are quite common during the winter months and are usually very expensive to repair when this occurs. According to the research carried out recently by uSwitch, repairing a boiler can cost an average of about £314 with a figure over 20 percent of homes experiencing various heating system issues last year.

To answer the question of whether or not your existing home insurance will be enough to cover the boiler breakdown, the answer is probably not. This is due to the fact that heating system faults or breakdowns is a very common occurrence and as a result of poor maintenance practices as well as a high repair cost, several insurance companies often remove it from their home insurance policies.

Generally, you’d be given an option of what is termed as “emergency home cover which is an add on or extra to your home insurance policy. Luckily, this add on is quite inexpensive and may be as little as £4 or £5 per month. Depending on your need or budget, you can also purchase the add on as a “stand alone from your current insurer or another company. However, the standalone option is usually more expensive.

The emergency home cover normally provides coverage for the boiler repair cost and few times, the rest of the central heating system as well. Being fully aware how important a boiler can be, insurance companies usually deliver a rapid response service as suggested in the name, “emergency home cover. However, the maximum pay-out for call out charges is capped at a particular amount which usually ranges from £500 and £1,000. Apart from the call out fees, the emergency cover also includes a limit on the pay-out amount for future required repairs of heating systems which includes both parts labour.

Are Electric Radiators Expensive To Run?

Just like many home additions, the running costs of electric radiators varies largely on a number of factors. Great number of electric radiators typically comes with an in built thermostat which is designed to turn itself off automatically when not in use in order to save energy.

However the energy provider’s set electricity charge tariff will also have a great influence on an electric radiator’s running cost. Let’s take a look at the running costs of an electric radiator!

A 600 Watt electric radiator ( on a standard electricity tariff) will usually have a running cost ranging between 4 to 6 pence each hour. However you should also take note that this scenario might change in situations whereby the electric radiator is not calling for heat the full 60 minutes of each hour. And this is more likely to be the situation as the thermostat is programmed in such a way that enables it to turn itself off immediately there’s an achievement of your required room temperature level - usually within 10 minutes from the time it was switched on. As a result of this, the running cost per hour of electric radiators will be greatly reduced to just about 1 to 2 pence.

It’s also important to note that enhancing the insulation of your home can go a long way to add to the heat retention value of each room. Consequently, the duration at which the electric radiator calls more heating will be significantly reduced, which in turn, implies a lower electricity bill.

Another key factor that can play a huge role in saving on your heating bills is the programming as well as usage of your electric radiators. Every radiator comes with an independent digital thermostat with a number of 24/7 programming options to help achieve maximum efficiency. When the radiator is properly set according to your lifestyle, you can save as much as 50 percent on your heating bills.