With Central Heating Cover you can have peace of mind against the cost of any unexpected repairs

The last thing you want is for your central heating system to stop working during the winter, so it’s important to be prepared in case of emergencies – which is where central heating cover comes into play. Most policies not only promise a quick fix when your system breaks down but they also cover the cost of unexpected repairs so that you can avoid expensive bills.

What is Central Heating Cover?

Central heating cover is an insurance policy that covers the cost of a certified engineer to come out and fix any issues with your boiler and main central heating system, as well as things such as your pipes and radiators. It usually also covers the cost of damaged or worn out parts. Most cover plans include the complete heating system, and some allow for add-ons such as an annual boiler service or protection against other home essentials. What is included in your cover really depends on which provider and plan you choose, so we suggest you always look at the different options available so that you can compare policies.

Who Needs Central Heating Cover?

Central heating cover policies are designed to give homeowners peace of mind that any problems with their heating system will be resolved swiftly and they won’t be left with an expensive repair bill in the event of a breakdown. If you’re a homeowner and you have a home contents insurance policy, it’s wise to check your existing plan carefully as some policies include central heating cover as standard.

When it comes to rental properties, it’s up to the landlord to take out central heating cover if they wish. So, if you live in a rental flat or house, you may find that your landlord has a central heating cover policy to protect your home against heating problems.

Key Considerations When Buying Central Heating Cover

There are many factors to consider when purchasing central heating cover, particularly since policies vary greatly from one provider to another. While some don’t, certain plans limit the number of call-outs or claims you can make in a year. Others include a call-out fee that you have to pay every time an engineer comes to your home to fix any problems. There are also plans that charge an excess if you make a claim.

One of the most important considerations when selecting a central heating cover policy is what the plan actually includes. If you want to insure your central heating system, avoid boiler-only cover plans as these will only cover your boiler and its controls. Another thing to take into account is that there are some providers that have policies which will cover more than just your central heating and include fixing issues with things like your electrics, drainage and plumbing as well.

No matter the level of cover you choose, it makes sense to get a central heating plan that includes an annual boiler service. This way, you won’t have to pay for one separately and a qualified engineer can ensure any issues that may arise are detected and dealt with sooner rather than later. Many cover packages give you access to 24/7 emergency call-outs, so it might be worth making sure you pick a company offering a plan that allows for this too.

The decision on whether you should get central heating cover is completely up to you. It isn’t an essential insurance and is always a bit of a gamble because you may never have to make a claim. Some homeowners choose to set aside money each month to cover any potential repairs, whereas others prefer to get cover and not have the worry of finding a lump sum of cash quickly. But by having the right level of cover, you won’t have to wait long for an engineer to come to your home to get your central heating system back up and running.

Always Compare Central Heating Cover

When you put in the effort and compare all your options, you stand more chance of finding a central heating cover policy that best suits your requirements. By shopping around, you can also compare fees and potentially save money. And if you have a home insurance policy that doesn’t automatically cover your central heating system, be sure to contact your provider to see whether you can include it as an extra as you may find they offer you a much better deal.