Combi Boiler Cover

As winter approaches, homeowners want to know they can count on their heating systems to keep the family warm and cozy. Many are confident that because their boilers are fairly new, they can crank up the heat safely without worry. The only problem is, recent research has found that approximately one in three new boilers fail to operate properly within a few years of use. When this happens, repairs can cost hundreds of pounds. Without boiler cover, many homeowners cannot afford the cost to have it fixed without serious damage to the household finances.

One common part that breaks down is the heat exchanger, that transfers heat to the water that circulates through the system. The repair cost can cost more than £325 and this unexpected expense would be a strain for the average family. The boiler's circuit board, often called the brain of the boiler, can cost about £220. If the four key parts of the boiler need to be replaced and the owner has no boiler cover, the cost can escalate to £1200 or more, and that is without taking into account the hourly repair rates, or calling out engineers on an emergency basis, which can increase the total cost even further.

Anyone who realizes how disastrous a broken down boiler in the middle of winter would be, especially if there is no money to pay for repairs, needs to consider taking out boiler cover immediately. Although it can be a little confusing, with a bit of research and studying the different types of boiler cover, it is not difficult to find the program that will be the right fit for a household.

Types of Boiler Cover

A wide variety exists among programs for boiler cover, concerning exactly what parts or overall operation each one covers. They run from those that have a limit to the number of call-outs the owner can have each year, or a financial limit on repairs, to the more expensive plans that have unlimited claims and call-outs each year. When choosing a plan, consider the situation with the boiler in the home. For instance, a new boiler in a new home may need only the very basic, and less expensive, boiler cover, as it may still be covered by the manufacturer's warranty.

Prices vary widely among boiler cover plans, and depend on issues such as the size of the home, how it is heated and the make and age of the boiler itself. After that is determined, then the extent of coverage needed or wanted is taken into consideration. The least expensive choice is that which covers only the boiler. If anything is found wrong in the central heating system, that will have to be paid for separately. An annual maintenance check-up and service are also not covered under the very basic plan.

When seeking coverage, ask if the plan will provide help 365 days a year, at any hour in an emergency. Ask how long the wait will be for an engineer to come out for repairs, and how long is the initial no-claim period, if that is in the plan. Ask about a call-out limit or claims limit in each program year.

Considerations

If the chosen heating cover plan is a service contract and includes a yearly inspection, or yearly service, it is regulated by the FSA (the Financial Services Authority). Whether or not it is regulated depends on the description of the cover, and if it is presented as an ongoing contract. Rather than calling an engineer on an as-needed basis, in a contract the company would schedule regular maintenance for the owner.

To avoid a nasty surprise expense, as well as going without heat or hot water, be sure adequate boiler cover is in place before the winter winds blow. If the plan chosen includes repairs to all parts of the system as well as the call-out fee for regular or emergency service, and an annual maintenance check, then the result of this plan will be peace of mind, knowing a potential disaster has been avoided.