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Choosing a central heating insurance policy

If you have a gas boiler and/or central heating system, then it is a good idea to take out an insurance policy on your central heating boiler, so that the cost of any expensive emergency repairs do not have to come out of your own pocket. Most energy suppliers offer insurance policies of this type to their customers, but it is not entirely necessary to take out insurance with the same firm that supplies your energy – in fact, it could be a lot cheaper if you shop around on the open market.

Every policy is different, so it’s a good idea to evaluate what you are likely to need before you purchase a policy, as you do not want to find yourself in a situation where your insurance is inadequate, but you don’t want to be paying over the odds either: You have two main choices when it comes to heating insurance.

You can insure just the boiler and the controls, or you can get a policy which covers your entire heating system. Some plans offer additional emergency cover in case anything should go wrong with your plumbing, wiring, or you lose your house keys and need to get in a locksmith. This can all add up, however, so it is worth evaluating what you are really likely to need in the way of cover before splashing out on the most expensive policies.

Some policies don’t provide free boiler safety checks, or pay for any damage caused by the build up of limescale. For safety reasons, you should have your boiler checked every year by a qualified, registered technician, so if this is not included in your policy you’ll have to factor in approximately £70 extra per year to your overall energy costs.

If you have a brand spanking new house with new, reliable heating equipment, then a cheap policy covering the bare essentials will be fine. If you live in an older house, where the plumbing and wiring is a little on the antiquated side, then you might want to take out more comprehensive cover.

Although most heating insurance policies provide a free twenty four hour helpline and emergency callout service, the definition of the word 'emergency' can vary widely between policy providers. For instance, some insurance plans do not consider a lack of hot water to be an emergency, and others do not consider the failure of a central heating system during the summer months to be one either. Check with your policy provider as to their definition of an emergency before purchasing your insurance.

Most plans have an initial no-claims period of around thirty days, in order to prevent people signing up to them after their boiler has broken. It is also important to check whether your particular type of boiler can be covered by a prospective insurer, so be sure to check before you buy.

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Article Source: ArticlesBase.com - Choosing a central heating insurance policy

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