December 16, 2020
A broken boiler often means a cold house with no access to heating or hot water, leaving most of us feeling uncomfortable and inconvenienced.
For the elderly, the young and the vulnerable, it could be much more serious, especially during the winter months.
This is why it is so important for you to get your broken boiler fixed or replaced as soon as possible.
Unfortunately, getting your boiler fixed or replaced can be a large cost and one that many homeowners are not prepared for.
Despite 45% of people having experienced their boiler breaking down during winter, with an average repair cost of £940, almost half of property owners don’t have any money set aside, with a third saying they wouldn’t be able to afford a new system if their current one broke down.
Getting boiler insurance can take the pressure off affording these unexpected costs, though it is important to choose the policy that is best for you as they vary and some cover far more than others.
This is the most basic policy and covers your boiler and its controls. There is usually a 24/7 call centre available so you can immediately arrange a call-out for a repair.
This also includes an optional annual service and maintenance check, though it is worth noting boilers that aren’t maintained with annual checks may not be covered under some policies.
This offers all the same benefits of the boiler cover and also covers radiators, pumps and flues.
This offers all the benefits of boiler and central heating cover as well as covering either your plumbing and drains, electrical wiring or both.
Whether or not your older boiler will be covered depends on the policy. Some will only allow you to take cover out for boilers under a certain age (usually 15 years), so bear this in mind if your boiler is very old.
Some policies also limit the amount they pay towards repairs, so it is usually best to opt for a policy with an unlimited claim cost. This means if your boiler is broken beyond repair, they will cover the cost of replacement or pay some money towards it.
To get a new boiler from iHeat with your insurance claim, get a fixed quote from our website and speak with your insurance provider.
Once you have made a claim, find your quote and go to checkout, where you can choose to pay by card or by finance, in which case you will fill in the finance application. Make sure to select the option for applying through insurance.
Their contribution will usually be taken as the deposit or cover the cost of the boiler and you may be expected to pay the remaining fees for installation, depending on your policy.
According to a survey conducted by Which? in August 2020, people paid an average of £288 a year for their boiler insurance packages, though the price of your cover depends on what your package includes.
To save you time researching boiler insurance policies, we have done all the work for you. We have chosen our Top 5 based on cost, what’s covered, call out excess and the age of boilers they cover.
This is the cheapest boiler policy on the market, so is great if you’re looking for a low/cost boiler cover plan that covers the basics. Unfortunately, this plan does have its limits as it doesn’t include an annual service or a 24/7 helpline.
This plan is not the cheapest option, however, it does cover plenty, including boiler and heating, plumbing and electrics with a lower call out excess.
This is the most expensive cover on our list, however, there is no call-out charge and it covers boiler repairs of up to £1,500 on boilers up to 15 years old.
This covers more than just the basics and has no Claim limit, providing the boiler is not deemed Beyond Economic Repair (BER), in which case you will be referred to their sister company where you may qualify for a £1,000 discount on a replacement.
This boiler policy covers boilers of all ages, meaning it is a good plan if you are looking for cover for your older boiler.
Many insurance providers won’t allow you to take cover out for boilers under a certain age (usually 15 years) and may not renew your cover if you are an existing customer once your boiler reaches this age.
Some boiler insurance policies (and boiler warranties) do not cover boilers that are not serviced annually by a Gas Safe registered engineer. At iHeat, we send out yearly reminders for when you need to get your boiler serviced.
Some policies limit the amount they contribute towards repairs, so it is often best to opt for a policy with an unlimited claim cost.
At iHeat, all of our boilers have warranties between 7 and 10 years, during which time the warranty covers your boiler against manufacturing/material defects for both parts and labour. To claim under the warranty, you must ensure that the boiler has been maintained and inspected by a Gas Safe registered engineer on an annual basis. See our terms & conditions for more information.
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