If you have a new boiler and are thinking about getting some insurance, we’re here to help you choose the best boiler cover for you. While many people choose not to purchase boiler cover, it can help ensure you stay on top of costs when you need to replace or repair your boiler years down the line. Boilers do have warranties, but they certainly don’t last a lifetime. Having cover in place can help keep your mind at ease.
In this blog, we’ll be looking at ways to help you decide on the best boiler cover to suit your needs. But first, a quick glance at what boiler cover is.
What is Boiler Cover?
Boiler cover is a type of insurance which acts as a protection if something goes wrong with your boiler, no matter what type or brand. Boiler cover can help you to cover costs of things like engineer assistance as well as any parts necessary to make the repairs. Sometimes you will get a certain amount of cover as part of the package when you buy a boiler, but it may be separate. If you’re faced with choosing your own, there are plenty of comparison sites available to help you.
Before we dive into some tips as to how to choose the best boiler cover for your needs, let’s cover a few important things to remember when choosing a boiler insurance provider.
Some companies will not cover old boilers
If you have had your boiler for a while and are just now deciding to look for the best boiler cover options, you may be disappointed. A lot of companies will not provide cover to especially old boilers, as it is far more likely that they will break down and be in need of frequent, costly repairs. It might be in your best interest to look into replacing your boiler instead.
Some companies will limit their cover
Depending on the company and the deal you choose, there will be a limit as to how much they cover. If your boiler needs a particularly expensive repair or new part, you might be faced with paying additional costs. Remember to always read the fine print and know what you’re getting into when you first purchase your cover package!
Some home insurance policies can include boiler cover
If you are becoming a new homeowner and looking into home insurance providers, you may be able to get a boiler cover add-on. While this can of course save money, it is also a great time saver, meaning you will not have to worry about too many company policies when it comes to managing your various insurances.
You don’t always need boiler cover
That’s right – this might be a guide on how to choose the best boiler cover, but you only have to make the choice if you’re sure you want to. If you have a relatively new boiler that is reliable and efficient, getting boiler cover might not be worthwhile. However, if your boiler is a few years old, or you have a new one but are planning to stay in the same property for 10+ years, boiler cover could save you from forking out for repairs when you least expect it.
A lot of people choose to invest in boiler cover for their own peace of mind, but remember you can always get affordable, speedy boiler repairs from external providers like Bbright.
Choosing The Best Boiler Cover: top Tips
If you’re still set on choosing a boiler cover provider, we’re sharing some top tips on how to get it right and make sure it’s the best boiler cover for you.
Consider your needs: when assessing a boiler cover policy, try not to be drawn in by how much the company is promising to cover. Digging deeper, you might find that a lot of what’s covered by the boiler insurance is actually already covered by your home insurance. For example, there is often overlap with radiators or pipes and drainage.
Take time to browse: making quick decisions is never recommended when it comes to any type of insurance, and the same goes here. Use comparison sites, read up on the policies and assess your boiler and current situation – you may want to wait another year before looking into boiler cover if your unit is still new.
Find an annual payment option: paying boiler cover upfront on an annual basis is likely to save you money in the long run. A lot of companies will offer discounts for these kinds of payments, so before you go ahead and set up a monthly direct debit, consider your other options.
Check the terms and conditions: this goes without saying. Conditions for any type of insurance must be checked over at least a couple of times by the policyholder. Some providers have limits of around £1,500, whereas others are unlimited. Don’t be caught out by the small print!
No boiler cover yet? Don’t worry. If you need a quick fix or complete boiler replacement, Bbright are here to help. Get in touch today for a quote.
