Do you need central heating cover?

There’s nothing worse than going to turn your central heating up on a cold winter’s night, only to discover it’s not working properly. You spend time searching for a reputable heating engineer you can call but they can’t get to you until ‘sometime tomorrow’ and their quote for central heating repairs is going to snap up all of your spare cash for the month. It’s a situation no one wants to be in and thankfully, with central heating cover, you can prevent it happening to you.

Boiler and central heating cover can be paid for monthly or annually. It will ease your worries as if something goes wrong with your home’s heating system, your provider will organise a qualified engineer to fix it for you quickly. There’ll be no need to go weeks without heating or hot water and you won’t have to worry about digging into your savings to foot the bill. Central heating cover offers the peace of mind you need that your family will be safe and warm all-year-round.

Different types of boiler and central heating cover

Today, there are so many different providers offering central heating insurance and there’s no such thing as a standard plan. You will need to look into the different types of boiler and central heating cover to make sure you’re only paying for what you need insuring. Generally speaking, insurance companies will offer the following plans:

• Boiler breakdown cover – This will cover repairs to your boiler, flue and its controls (such as boiler timers and thermostats.) Some companies, like Hometree, will offer additional benefits such as an annual boiler service too.
• Central heating cover – This type of insurance covers your central heating system, including your radiators, cylinders and pipes, as well as your boiler and its controls. If you rely on your boiler for both heating and hot water, it may be wise to choose this type of plan to make sure you’re fully covered.
• Home cover – A comprehensive insurance package, covering boiler repairs, central heating maintenance and other utilities i.e. drains, plumbing and electrics.

Benefits of central heating cover

For many, the small monthly outlay or annual cost of central heating cover is worth it for peace of mind alone. If something goes wrong and central heating repairs are required, you won’t have to worry about finding a reliable engineer quickly. Instead, you’ll simply be able to ring up your insurance provider and they’ll organise everything on your behalf. It’ll save you time and is much more convenient.

The other big benefit of central heating boiler cover is that you won’t be hit with surprise repair costs. If your boiler breaks down, you have frozen pipes or there is something else wrong with your central heating, it will be covered by your insurance. It makes financial planning much easier and you won’t have to panic about dipping into your savings.

Important Information

Some providers offer insured plans to look after your Boiler and Heating and other home services like plumbing, drains and electrics, whereas other providers offer non-insured plans. An insured plan will be underwritten by an insurer and also regulated by the [Financial Conduct Authority (FCA)](https://www.fca.org.uk/). Non-insured plans are not backed by an insurer and are not regulated by the FCA. Often non-insured or maintenance plans include an annual service of the equipment covered, whereas these may or may not be included in insured plans.