Is Boiler Insurance For You?
It depends on whether you’re a homeowner or a tenant as to whether you need boiler insurance. If you live in rented accommodation or a council house then it really shouldn’t be your responsibility – your landlord has a legal obligation to provide maintenance and repairs to your boiler as well as any other appliances. If you’re paying rent then you’re entitled to a properly heated home, so it’s worth making sure that in the event of your boiler breaking down repairs will be forthcoming as quickly as possible. You should also make sure that your landlord arranges an annual boiler check up with a CORGI registered engineer.
If you own your home then boiler insurance is certainly worth looking into,
but do make sure that it’s not already covered in your home insurance. As
with any form of insurance it’s well worth comparing policies; there’s a
tendency for people to settle for a policy from whoever happens to be
providing your energy without even looking at the alternatives.
You’ll have to decide what level of cover you want; policies tend to range
from boiler only cover to comprehensive pipework, plumbing, drains and
electrics packages. Obviously the more cover you pile into your policy the
heftier the premiums will be. Make sure you read through the policy
carefully however and know what you’re actually getting for your money –
sometimes a policy that seems to promise a lot has potentially problematic
limits and clauses.
Whether or not you choose to opt for boiler insurance comes down to how much
you value the peace of mind that it buys you, clearly you could risk not
bothering and shell out should repairs need to be carried out. If this is
your plan then you might consider putting a bit away in a decent savings
account every month and effectively build up your own emergency fund.
On the other hand all inclusive
homecare from British Gas starts at only £12
a month and entitles you to unlimited callouts, a yearly inspection and a
24/7 customer helpline so you do get plenty for your money. They can also
provide low price
new boiler installation.
