Do I need boiler cover? Is boiler cover worth it?
Boiler cover is tailored to both homeowners and landlords. If you are renting, it’s then the responsibility of the landlord to take out boiler cover. In some cases, you may already have boiler cover as part of your home insurance policy, which may be included in your buildings and contents insurance.
It's also likely that your boiler is covered under a standard manufacturer warranty, or an extended warranty of up to 10 years if you had your boiler installed with a Vaillant Advanced Installer or Worcester Accredited Installer, for example. If you have a boiler that’s older than 15 years old and starting to show its age, it’s unlikely that you’ll be able to get it insured, or if you are, you’ll have to pay a higher price.
At this point, you’re probably wondering, what’s the point of having boiler cover if I have a manufacturer warranty? Your boiler’s manufacturer warranty is only there in case the boiler runs into a fault or breaks down within a certain number of years, but with more terms and conditions applied. For example, if your boiler breaks down due to issues found in other areas of your central heating system, this may not be covered under your warranty. With that in mind, you’d have to pay a possibly large sum of money to repair your boiler, not to mention paying extra for your annual service visit. Boiler cover, in turn, ensures that you are covered for all boiler faults and breakdowns, without the need to pay for an annual boiler service visit as that is included. You’ll also get access to a 24/7 helpline, unlimited call outs, and the added bonus of repairs to your controls should they develop a fault.
Boiler cover vs Central heating cover
If you’re deciding on the cover you’d like to get for your home, it’s important to know the difference between boiler cover and central heating cover. Boiler cover is solely there to protect your boiler and controls, whereas central heating cover applies for your entire central heating system (your boiler, controls, pipework, cylinder, and much more). Central heating system cover is typically referred to as boiler and heating cover as it covers more than just the boiler.