Boiler cover and central heating
Boiler and central heating repairs can be really expensive, so if you don’t think you’d be able to find a big lump sum quickly, this sort of cover is well worth considering.
Boiler cover-only policies don’t pay out for repairs to radiators or any other part of your central heating system, but boiler and central heating cover will protect both.
Full central heating system boiler policies will include cover for any boiler repairs to things such as your radiators, pump and flue.
You will be given a contact number to call when you buy your policy, so that if your boiler or central heating does break down, you only need to make one phone call to arrange for an engineer to come out and fix it.
Most of these helplines operate 24/7, so that you have peace of mind that if something goes wrong at night or at the weekend, you’ll still be able to arrange for someone to come out, without having to fork out for hefty call out charges.
Parts and labour are usually included, and more comprehensive policies won’t impose a limit on the number of call outs you have. There may, however, be a fixed call out fee, typically £50 or £100, to pay every time an engineer comes, so check before buying.
Many policies come with an annual boiler service included, so you can make sure everything is in good working order and that your boiler is running as efficiently as possible.
Some policies will also provide a new replacement boiler if your boiler is less than 7 years old and is beyond economical repair. If your boiler was installed more than 7 years ago, you may still be entitled to a discount off the cost of a replacement boiler.
You may be offered a boiler and central heating policy by your energy supplier, but always shop around for cover before buying, as you may be able to find a cheaper standalone policy elsewhere.