If your boiler stops working it could leave you without heating and hot water, as well as an expensive repair bill.
The cost of repairing or replacing your boiler can run into the thousands of pounds, so it pays to have an insurance policy that can cover it.
What does it cover?
A boiler breakdown insurance policy can cover the cost of:
Replacement parts
Calling out an engineer to your home
Annual boiler service
What can you claim for?
Most policies cover repairs and replacements for:
Boiler and controls, which means you can call out an engineer if your boiler or the thermostat stop working.
Central heating, which means you can cover the cost of repairs to things like your radiators and hot water cylinder.
If you want a policy that can also cover things like your plumbing, drains and home electrics, consider getting a home emergency insurance policy.
Here is what a home emergency policy can cover you for.
Check the claim limit
Most policies have a maximum amount you are covered for each time you make a claim.
This is usually between £250 and £1,500 depending on the insurer, but some policies offer unlimited cover.
If you have an expensive boiler, make sure your policy can cover the cost of replacing it if it breaks down. It can cost up to £4,000 to replace your boiler, so use look to see what limit each policy offers.
Watch out for exclusions
All boiler insurance policies include exclusions that are not covered, for example:
Older boilers, for example over seven years old
General maintenance
Non gas appliances
Faulty showers or taps
Most insurance companies only cover gas boilers, but you can find policies for boilers that use oil. Check what fuels each policy covers and to find the best service plan for your boiler.
