Why Winter is the Toughest Test for Your Boiler

Winter is when your boiler works hardest, and it's no surprise that this is when breakdowns and faults most often occur. A sudden breakdown can leave you without heat and hot water, and a major repair can be a huge, unplanned expense. This is where boiler breakdown cover can make a real difference.

A good boiler breakdown cover plan can help cover the costs of calling out an engineer, as well as the parts and labor required for the repair. Just like boilers themselves, cover policies vary, so comparing your options is essential to find a plan that works for you.

When comparing policies, look for details like:

• Whether the policy covers a limited or unlimited number of call-outs.

• The terms and conditions for repairing recurring faults, like those caused by limescale.

• Whether the policy will still apply if the problem is caused by another part of your central heating system.

Is Boiler Breakdown Cover Worth It?

It's a smart idea for both homeowners and landlords. First, check if you're already covered by your home insurance or a manufacturer's warranty. Keep in mind that most warranties are for boilers less than 10 years old and can be voided by physical damage or if you miss an annual service.

Beyond a warranty, a boiler cover plan offers an added layer of financial protection. According to a 2017 study by Uswitch, unexpected boiler repairs cost UK households £725 million. A monthly payment for a cover plan can prevent a sudden, costly outlay and give you peace of mind.

Boiler Breakdown Cover vs. Central Heating Cover

The difference between these two can be confusing, but it's important to know what you're buying:

• Boiler Breakdown Cover is specific to your boiler and its controls.

• Central Heating Cover is a much more comprehensive plan that protects your entire heating system, including pipes, cylinders, radiators, and vents, in addition to the boiler.

Understanding the Annual Service Visit

An annual service is like an MOT for your boiler. It's a yearly check-up performed by an expert Gas Safe registered engineer to ensure your boiler is working correctly and safely. Most boiler cover plans include this service in the price.

During a service, the engineer should:

• Perform a visual inspection of your boiler and its controls.

• Inspect the internal components and confirm the boiler fires up safely.

• Check that the boiler is in good working order.

An annual service is often a condition of your manufacturer's warranty, so it's a vital part of protecting your investment.

What is a Call-Out Fee?

A call-out fee is a pre-determined charge you may have to pay each time an engineer visits your property for a repair. This amount is typically around £40-£60, but some policies include the call-out fee in your monthly payment, meaning you won't have to pay anything extra when you need a repair.

Can I Switch Providers?

Yes, you can switch providers at any time. It can be a great way to find a better price. However, most policies are annual, and if you cancel before your term is up, you'll likely face a cancellation fee. Be sure to read the fine print of your current policy before you switch.