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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.

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 stand alone 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.

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

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.

To ensure your boiler is functioning efficiently and to keep your home warm, it’s important to see that your boiler is serviced on a regular basis by a licensed boiler engineer. Failure to do this can result in sudden boiler breakdown which can be a hard hitting blow to one’s financial power especially when there’s no boiler cover to cushion the blow or totally avoid it all together.

When your boiler is covered, it implies that you’re protected in the event whereby your boiler or it’s controls malfunctions or break. Several boiler cover will include the servicing cost, while some may not so it’s advisable to always go through the details, no matter how small, before entering into a boiler cover agreement. Typically, a boiler cover will cost between £60 to £100 per year and the payment is made on a monthly basis. Various boiler insurance companies have varying cover cost, however, here are the common boiler cover policies:

• Homeserve charges from £13 per month

• EDF Energy costs from £13.29 per month

• British Gas from £12 per month

• Scottish Power from £13.13 every month

• CETRI UK charges from £13.50 every month

• 24/7 home rescue costs from £9.60 every month

• Gorgi Home Plan costs from £6 per month plus 3 months free

• Your repair charges from £9.60 per month

• NPower Boiler Cover costs from £10.92 every month

• SSE Boiler Breakdown Cover charges from £4.95 every month

It’s important to note that sometimes you have the option of adding your boiler cover to your existing home insurance, if you do not want a standalone policy for your boiler cover. In many scenarios, this is referred to as an extra or add on service referred to as “Home Emergency Cover. When compared to the standalone boiler policies, this is usually a lot cheaper as it comes in around £5 per month.

The Oil Firing Technical Association or OFTEC operate a competent persons scheme to certify installers. It’s always recommended to use an installer with this certification as it proves they have the training and expertise to properly install your boiler and give you realistic advice on the efficiency of your system. Also, OFTEC registered installers offer Workmanship Warranties to protect you if there are any problems after installation.

In the UK, more than 50 percent of the money paid for utility bills is aimed at heating and hot water costs as stated by the Energy Saving Trust. This also means that when you settle for an old or ageing boiler, you’ll have to unnecessarily incur high utility bill in order to heat your home and have hot water on demand. In this kind of situation, the most effective and practical solution is to fit a new gas boiler in your home. This will provide you several benefits such as improved efficiency and reliability as well as reduced operating costs.

However, the only drawback here is the fact that removing your old gas boiler and replacing it with a new gas boiler isn’t a 5 minute task. And as you would have expected, like many other home improvement project there’s always an element of disruption that you’ll have to put into consideration when fitting a new gas boiler system. Good news is, with a qualified and experienced heating companies, these disruptions can be kept at a minimum. So now let’s take a look at how long it’ll take to replace a gas boiler depending on the type.

✓ An existing combi boiler upgrade - Installation times may vary, but typically the removal of an existing combi boiler and installation of a new one will usually be completed in a day - about four to six hours.

✓ Converting a regular to a combi boiler - Due to the fact that these type of project is usually labour intensive, it’ll take longer to complete - about 2 days.

✓ First time installation of new boiler to a home. This will usually take about 3 or more days because new pipes and other tasks need to the installation will be carried out.

How To Install An Oil Boiler Heating System

Just like several other skills, the installation of an oil boiler heating system can be a challenge. It requires enough persistence to actually get right, so if you’re the type with little patience, we’d recommend you hire the services of a professional oil boiler heating system fitter who can guarantee the best results and save you time and extra money due to potential damages.

To install your boiler system yourself, it’s always advisable to start by getting the information on the best installation processes from the supplying company which will go a long way to save you from future headaches. However, we’ve put together this guide to give you a basic knowledge on how its done. Let’s have a look!

lRead Instruction Manual

• Carefully read and digest the instruction manual thoroughly.

• Make sure you understand the installation diagrams

• Spread out the materials and get familiar with them.

lFigure Out What Goes Where

• Take your time to determine where everything goes in relation to the others.

• Identify the new radiator’s position.

• Get sufficient sealants to prevent possible leakages inside the walls.

lIdentify The Pipe Routes

• Determine the pipe routes while fitting the new radiators

lInstall The Boiler

• Turn off water and all electrics

• Fit the boiler into the wall

• Make sure the fittings are secured.

lInstall The Radiator

• The effectiveness of your home’s heating system is as good as the radiators you incorporate and how good they’re installed.

• You may have to utilize extra radiators in large open plan kitchens and living rooms (for effective heating).

lOffer Ventilation

• Once you’ve successfully installed the new radiator, a small dose of air ventilation would be needed.

• Turn the key of each valve located at the bottom, do not stop until a little amount of water spills over the top of the unit.