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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.

Biomass boilers will work with existing central heating systems, presuming this is not decades old, whether they use radiators or under floor heating. A surveyor will check the existing system you have in place before quoting for or recommending a biomass boiler to you.

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

The simple answer to this question is yes. The Google Nest thermostats are built in such way that makes it compatible with most 24V systems including the older systems. The device is functional with all common types of fuel such as electricity,natural gas as well as oil. However, before purchase it is vital to determine if your thermostat is also compatible. What’s more? The Nest thermostats is also designed to be usable even without the existence of a C wire (common wire) in your home, although a new C wire installation may be required.

Furthermore, Nest Learning Thermostat is compatible with multiple central heating system such as combi boiler systems, air source and ground source heat pumps (heating only) as well as heat only boiler. Now let’s take a look at the Nest thermostat compatibility!

• The majority of the 24 V systems ( including older systems) are compatible with Google Nest thermostat. They can be incorporated with each and every common types of fuel such as oil, natural gas as well as electricity.

• Prior to the installation of Google Nest thermostat, you can make use of the Google Home or Nest app for proper guidance and to notify you if your system is compatible. It will also give you a bespoke thermostat wiring guide.

• To check the compatibility of your system, you can also check with the Google’s online compatibility checker before purchase.

The Hive thermostat stand is relatively easy to install, however if you lack the necessary training or experience, this is a task you might want to leave to a professional to guarantee the best result while also saving you money and time. This guide will give you a good insight into the Hive thermostat installation process.

The installation of a Hive thermostat does require it to be connected to your home boiler. For this reason we always recommend you get a professional to install it. However once install the Hive Smart Thermostat is very easy to operate and move the controller around your home. To get started, you can follow these steps:

• Press the lever at the lower side of the thermostat and pull away from the front to detach the back plate of your device.

• Once done, simply hang the thermostat on the stand back plate and ensure it holds firmly in place

When it comes to Hive thermostat installation, you might also want to consider the positioning of the device in such a way to heat your home even more efficiently as its designed to be very sensitive to temperature. To identify the best spot for your Hive thermostat, let’s take a look at some of the dos and don’ts.

A Few Dos:

• Do maintain the position of your Hive Thermostat to keep a stable connection with the receive and Hive Hub.

• Do ensure that the position chosen is the centre of your home or a frequently used room.

• Do place the thermostat about 1 to 1.5 metres from floor.

• Do ensure that your thermostat is in a close proximity with the hub and receiver for a better functionality.

A Few Don’ts:

• Don’t place your Hive thermostat stand close to radiators, direct sunlight or other heat sources,

• Don’t position your device near or at places that can expoerience a sudden change in temperature such as the front or back door.

• Don’t leave your thermostat too close to curtains or ornaments.

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.

The A-G scale refers to the energy efficiency of your boiler. G-rated boilers are the least efficient, and give you less heat and hot water for your money. Installing an A-rated boiler will reduce your energy bills and carbon emissions. Don't compromise on cheaper, lower rated boilers, you will save yourself more money longer term with an A-rated model.

During the cold months ( winter), there’s a high chance for a more frequent occurrence of faults and breakdowns of your boiler as this is the time in which more strain is being placed on the device. Unfortunately, this is exactly the time in which you’d wish to derive maximum benefits from your boiler to keep you warm all through the winter. As a result, home owners are given no other option than to pay the mega boiler repair bills to keep themselves warm and cosy all winter long. There is, however, an option which can greatly soften the blow and that’s having a boiler breakdown cover.

Boiler breakdown cover provides coverage for cost of hiring an engineer to get your boiler back to a top condition while also paying for the parts as well as labour needed to resolve the boiler’s fault. To select a boiler breakdown cover, you should take into account factors like whether or not the policy provides coverage for limited or unlimited call-outs within the coverage period. You should also ensure to go through the terms and conditions of the cover if you can stake a claim if your boiler were to be damaged by a different thing in your central heating configuration or a persistent fault.

There are an array of boiler breakdown package types with little differences which relates to one or more of the following:

• The package monthly cost

• The call outs excess to be paid

• The nature of the helpline. It may be a 24/7 service or just a few selected hours of the day.

Therefore, to answer the question of which boiler breakdown cover, you’d have to compare the different packages to determine the most suitable one for both your needs as well as pocket.