Boiler Insurance - Get The Right Cover -

Details for Boiler Insurance - Get The Right Cover

ID:	6024
Author:	TomJones
Title:	Boiler Insurance - Get The Right Cover
Article:	Boiler insurance is a form of insurance which provides coverage for expenses arising out of repairs and sometimes the replacement of your boiler. It also extends to the plumbing and electrical expenses of the central heating system. This form of insurance also provides coverage to all those devices which uses or generates electrical power. It covers a specific type of boiler which has been manufactured in a particular year. Blanket objects cover may include all electric motors. Comprehensive cover would include all the objects unless any particular object has been excluded. Boiler insurance is also known as equipment and machinery insurance or equipment breakdown insurance. A large percentage of people depend on boilers for their household heating requirements, however, standard home insurance may not cover your boilers. Repairs and maintenance of your boilers are an expensive affair and hence one is advised to go in for exclusive boiler insurance. If you are a tenant, this responsibility is shouldered by your landlord. An annual premium would have to be paid to the company, depending on the type of insurance you buy. Some varieties of cover would include boiler cover, full heating system or boiler and service. A standard boiler cover is the most affordable, but it would cover only your boiler and the heating controls. Homeowners should ensure that the boilers are serviced regularly, so that they run optimally and safely. Many property owners fail to ignore the importance of servicing the boilers and later land in trouble when the machine starts giving problems. If the annual maintenance does not include your boiler cover, then a visit by a registered engineer would cost you anywhere around 65 GBP to 90 GBP. Hence, it is important to be prudent and not neglect it. An expensive boiler cover provides coverage not only for your boiler but the entire central heating system, valves, radiators and pipes. The insurance may also cover electrical wiring and plumbing works, however, you would have to shell out quite an amount for it. There are an increasing number of home energy providers offering boiler cover, thanks to the demand for the same. You need not necessarily have to be their client for purchasing this insurance. It is also not compulsory to buy this insurance from a company which supplies you gas and electricity. The boiler cover policy is also dependant on the number of times you call the engineer to your place for boiler servicing or repairs. Quite a few policies also have the "no claims" time limit which ranges from one month to forty five days. An engineer typically charges 33 GBP an hour. Boilers which are as old as fifteen years may not get covered under the standard policy. It is advised that you instead invest in a brand new one. Last but not the least, ensure that you read the fine print of the policy before signing on the dotted line and read the clauses of the cover so as to be absolutely sure on what to expect from the cover. You would get an idea of how long the engineer would take to visit if your boiler malfunctions and also whether the insurance company provides a twenty four hour helpline or if they work on weekends during an emergency situation. About the author of this article: for more information regarding central heating cover and boiler insurance visit the energy choices website.
Category:	Home
Date:	January 26, 2010 12:03:08 AM

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