The Indian summer is well and truly over and as the British public resign themselves to another long winter season, many households will inevitably be reaching for the thermostat to stave off the cold weather.
Jon Ingram, product director at Energychoices.co.uk commented: "UK consumers everywhere are tightening their belts with many households waiting until the last possible moment before switching on the central heating in order to save money. However, many do not consider what will happen if their boiler breaks down, needing costly repairs or replacing altogether.
"If your boiler fails it can be frighteningly expensive to replace – an extra outlay that consumers can ill afford in the run up to Christmas. Furthermore, if the money to pay for repairs is not immediately available then you can be left without basic amenities like hot water and heat fro your home for some time.
"Boiler cover can offer homeowners the peace of mind that their central heating system will be repaired swiftly without having to fork out a huge amount. So if your boiler is looking a bit long in the tooth, we would urge you to compare boiler insurance deals and get covered.
"Remember - you are not obliged to take out cover from your energy supplier and whilst there are some expensive insurance plans out there, with a little research you needn't pay over the odds."
Energychoices.co.uk's top tips for choosing boiler cover:
1. Do you actually need cover? – If you are only renting, it is your landlord's responsibility to take out boiler insurance and have it repaired if it breaks down. If you own your own home and already have buildings and contents insurance, it is worth checking if your boiler is already covered, or if at least part of the cost is already met in the event of any emergency repairs.
2. Had a boiler fitted recently? – If your boiler is quite new, it may already be covered under warranty. Check the paperwork to see how long you are covered for, otherwise you may end up paying out for boiler cover that you simply don't need.
3. Check the age of your boiler – Most boiler plans exclude models that are over 15 years old, and any models older than 7 years may have to undergo an inspection. Remember to check that your particular brand is covered as some of the older makes are sometimes excluded.
4. 'Boiler only' or 'full heating system' cover? – The cheapest boiler insurance policies only cover the cost of the boiler and controls but if you are willing to shell out a little extra you can ensure cover for your entire heating system, including radiators and pipes.
5. What is considered an emergency? – Some insurance providers don't think that a lack of hot water constitutes an emergency, whilst others will only rush to fix your boiler in the winter months. Make sure you know exactly what your boiler insurance provider considers an emergency so you aren't left waiting around in the cold for them to get around to fixing your boiler.
6. No claims period – Most new plans have a no-claims period to prevent people signing up on the day their boiler breaks down and then making a claim. The majority of no-claims periods last 30 days so bear in mind that you won't be covered during that time.
7. Compare suppliers – It is essential to shop around for a policy using a reliable price comparison site as there is a huge variation in prices and features for boiler insurance. Remember: the cheapest cover may not necessarily be the best value so make sure you read the small print BEFORE you sign up.
FACTFILE:
Energychoices.co.uk was launched in 2005 and offers comprehensive and impartial advice on home energy services.
At Energychoices.co.uk you can research and compare offers on gas and electricity suppliers and learn how to get more from your existing energy supplier.
They also offer advice on a range of boiler, heating, electrical and draining cover options and everything from choosing the right boiler to how to get your boiler serviced.
Whatever your needs, Energychoices.co.uk offers a fair and unbiased view of the market, looking at long term value and price savings on gas and electricity bills above the marketing hype.
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