Boiler cover is an essential aspect of home maintenance, particularly during the cold winter months when a functional heating system is crucial. Many homeowners often overlook the importance of boiler cover until it’s too late, resulting in costly repair bills and inconvenience. Choosing the right boiler cover can be challenging, particularly for those unfamiliar with the industry. In this article, we’ll discuss some essential factors to consider when selecting the right boiler cover for your home.
- Consider the level of cover
When selecting a boiler cover, you must consider the level of cover you require. Some policies offer basic coverage, which may only cover boiler repairs, while others provide more comprehensive coverage, including emergency call-outs, annual boiler servicing, and replacement parts. Ensure you carefully review the policy to ensure it aligns with your needs.
- Check the policy exclusions
All boiler cover policies come with exclusions, which specify what the policy doesn’t cover. It’s crucial to carefully review the policy exclusions to understand what you’re not covered for, as this may influence your decision when choosing a policy. For example, some policies may exclude damage caused by limescale build-up or faults resulting from poor installation. Ensure you understand the exclusions and that the policy provides sufficient coverage for your needs.
- Consider the age of your boiler
The age of your boiler is a crucial factor to consider when choosing a boiler cover. Older boilers may require more maintenance and repairs, which could result in higher premiums. If your boiler is relatively new, a basic cover policy may be sufficient, while an older boiler may require a more comprehensive policy that covers repairs and replacements.
- Check the policy excess
A policy excess is the amount you’re required to pay towards any claim before the policy covers the remainder. Policies with a lower excess typically have higher premiums, while policies with a higher excess often have lower premiums. Consider how much you’re willing to pay towards any claim and select a policy with an excess that suits your budget.
- Compare prices
Boiler cover policies come in a wide range of prices, so it’s crucial to compare prices to find a policy that offers good value for money. When comparing policies, ensure you compare the level of coverage, policy exclusions, and excess amounts to ensure you’re getting a fair comparison. It’s also important to note that the cheapest policy may not always be the best policy, as it may offer limited coverage or have high excess fees.
- Consider the reputation of the provider
The reputation of the boiler cover provider is another essential factor to consider when selecting a policy. Research the provider to ensure they have a good reputation for customer service and claims handling. You can check online reviews or ask for recommendations from friends or family. A reputable provider will ensure that you receive timely and efficient service should you need to make a claim.
- Check the level of customer service
When selecting a boiler cover policy, consider the level of customer service offered by the provider. Check whether the provider offers a 24-hour helpline, as well as the availability of emergency call-outs. A provider with good customer service will be able to assist you quickly and efficiently, providing peace of mind should you experience a boiler breakdown.
- Consider the payment options
Boiler cover policies are typically paid annually, although some providers offer monthly or quarterly payment options. Consider which payment option suits your budget and whether there are any additional fees for selecting a particular payment option. Some providers may offer discounts for annual payments, so ensure you check the pricing options to find the best deal.