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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.

How Much Do Electric Radiators Cost?

If there’s an age-long question that doesn’t seem to go away any time soon it’s how much do electric radiators cost? Although it would be perfect to offer an exact figure you can actually work with as the cost of running your heating system, but unfortunately you’ll have to consult a clairvoyant individual to get that. The question is almost synonymous with asking to know what your utility bill will be this month or the next. This is an answer that’s specific to each household, so it would be impossible to provide an answer that applies to all households in the UK. This is because there are several influencing factors that affects what the final cost of your household’s electricity bill will be. Let’s take a look at these factors!

• The size of the room you want to heat. As you would have guessed, the larger the room, the higher the amount of energy that’ll be incorporated, which means a greater electricity bill.

• The age of your house. There’s a high possibility your household ( if it’s an old one) lacks sufficient insulation which makes it less energy efficient, except you’ve already made some necessary changes.

• Your individual needs. Depending on your personal requirements, you electricity bill may be greatly influenced to be higher or lower. And the more people you have in your home, the more the energy you’re likely to consume.

• Time of the year. During the winter months, you’re likely to use a lot more electricity and heating because the weather tends to be colder.

• Your property’s exposure to natural elements. For instance a terraced home with houses on either side will be able to retain heat much longer and there less electricity and heating than a fully detached home.

A terrible day would be walking into your home to discover your boiler is broken - nobody prays for that and even more so, when you’re fully aware a broken boiler can be one of the most expensive things to repair. However, when this occurs, a boiler plan is ready to help cover the repair cost - and that’s only if you’ve gotten one. Generally, cover plans feature only a monthly price which is quite affordable when compared to paying a huge lump sum at once. Furthermore, depending on your cover level, you may not be required to incur call out charges or any other expensive services rendered. And in the event whereby your boiler can’t be repaired, there’ll be plans in place to get a replacement unit. As a result, getting a boiler cover is a great way to give yourself a peace of mind and see to it that you’re not left in the cold when the worse happens.

So the answer to whether or not you should get a boiler cover is totally a positive one. The purchase of a new heating system can be quite costly, but it would even be costlier when you have to repair it ceaselessly throughout it’s service years. With several modern combi units being a complicated heating system to repair, getting a cover plan with unlimited call outs, zero excess as well as cover parts and labour would be a truly wise decision.

In addition, an annual service of your heating system is required by manufacturers in order to make the warranty valid. Therefore, just a basic service plan is very crucial if you do not buy the idea of having to fork out at least £70 for each service.

Ad hoc visits from your engineer to fix small issues with your heating system may actually seem cheaper and a lot more affordable, however when a boiler is ripe enough for a change these small issues are always never ending. Over some period of time, these small issues will inevitably get worse and the idea of “mend and make do will be an absolutely false economy. The best course of action in this sort of event is to find a replacement boiler to install as soon as possible. In this article, we’re going to give you some hints that’ll show you when your boiler needs to be replaced. Now let’s take a look!

✓ Insufficient hot water. Here, you’ll have to check the size of your hot water cylinder. It’s crucial to make sure that your boiler is rightly sized to power your heating as well as hot water circuit in line with your demands. You should always seek the advice of a heating expert who can recommend whether to fix or replace the boiler.

✓ Strange noises. It’s normal for components of the boiler to become worn or damaged over time. Replacing the particular component that’s causing the knocking or rattling may seem cost effective at first but more often than not, the noises usually signal a bigger issue which is likely to build up over time. Hence, it’ll be a lot more logical to replace the boiler itself.

✓ Regular repair of your boiler. It’s essential to have your heating system serviced by a Gas Safe engineer on an annual basis. However, when you have to call them more often than once a year for your yearly maintenance, it may be a wise decision to consider getting a replacement.

✓ Other events whereby you may need a new boiler includes when you can’t get the right temperature in your room, when the radiators don’t heat up as they should, when your boiler leaks and if your boiler still has a pilot light.

During a boiler service, your boiler engineer will perform a series of checks to ensure that your boiler is safe and efficient. First, they will conduct a visual inspection to check for any corrosion or leaks. They will also check the flame in your boiler. They’ll then remove the boiler casing and check all the components, including the heat exchanger, burner and spark probe, then clean the inside. After this, they’ll check the flue for obstructions and ensure that it’s safely fitted. They will then do a gas pressure check to ensure the boiler is working at the right pressure, before firing it up to check for any working faults.

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.

If you’re interested in deriving maximum benefits from your central heating system while also being a tech-enthusiast, a smart thermostat is just the perfect option as it allows you to control both your boiler and heating system via your mobile device. It also offers a plethora of features which enables you to heat your home more efficiently while also cutting your energy bills. Here, we’ll be taking a deeper look at the Tado smart thermostat (a user friendly smart thermostat with multiple impressive features such as a great design, self learning and LED interface).

A Tado smart thermostat is a relatively small piece of kit which is perfect for tech-lovers looking to get a first experience of the smart thermostats’ world. Although the appliance might feature just a basic design with a bit less advanced features in comparison with other thermostats like Hive, Nest and more, it however, still comes with some fantastic features which you can’t afford to miss out on. These includes geofencing, Smartphone or tablet control as well as heat scheduling. As you would have expected with any good smart thermostat, the ability to remotely control your heating is a top priority for several smart thermostats’ owners and Tado offers you this and more. Therefore, no more worries during the Winter months and wishing your home should be warm and perfect for your return. Aside this, a Tado smart thermostat also goes a long way to ensure efficient energy use and as a result, reducing the money paid on energy bills.

Overall, Tado is a nicely designed smart thermostat which is relatively easy to use and a perfect option for homeowners interested in having a taste of the world of smart thermostats or looking to replace their existing device.

How Much Does It Cost To Move A Gas Meter?

When your gas meter is not in the right location while completing your renovation works or extending your property, it can be a worrying experience.

As a homeowner, you’re not allowed by the law to move your gas meter by yourself - it’s a very dangerous task that’s too risky to undertake just by watching a Youtube video or reading a blog post. Moving of a gas meter can and should only be carried out by a qualified and licensed gas supplier. And this, ultimately, gives rise to the question - how much does it cost to move a gas meter? Before we provide an answer for that, let’s look at what moving of a gas meter entails.

First and foremost, moving of a gas meter typically involves switching off the gas source to your home or property. The pipeline about 2 metres away from your property would be cut into for safety reasons and diverted into another position. Furthermore, you can as well apply that your meter should be re-fitted and re-linked to the inner copper pipeline, but that’s if the inner copper pipeline happens to be within two metres of the new location of your gas meter.

The time involved in the completion of a gas meter re-location project depends largely on the complexity of the job as each project is unique. Typically, the standard timescale from preparation to the final stage of moving a gas meter will take between 4 to 8 weeks. Finally, how much will it cost to relocate your gas meter?

As there are no government funds to subsidize gas meter relocation costs, this can be a very expensive work to carry out. Generally, the price to move a gas meter of about 5m will start within the range of £640 to £670.