The callout to fix a boiler with no insurance can cost a small fortune, especially if your plumbing equipment and boiler are older and more likely to have problems. To avoid massive pay-outs and the inconvenience associated with having your boiler breakdown, you should compare boiler insurance. It’s very rarely covered by home insurance packages, but even if your home insurance company or electric company can offer a boiler insurance deal, it’s worth shopping around first.

Many different companies offer a boiler repair service, and just like most insurance deals the price and the amount covered can vary greatly, so comparing these deals online can save you a lot of time going to each different supplier trying to figure out what you can get covered for what price. It can also keep you informed of any deals or offers related to boiler insurance that often only apply if you search online rather than calling the company. Obviously comparing online will give you a list of prices, but money isn’t the only factor you should look at when exploring what boiler insurance is right for you. In fact, there are a number of different factors that you might want to consider.

Firstly, you might want to check to make sure that boiler insurance is required. You may already have boiler insurance as part of another insurance package, but it’s important to remember that you only need boiler insurance if you own your property. If you rent a property in the UK, then it’s your landlord’s responsibility to make sure the boiler is maintained and deal with any problems, including paying for them. Always make sure you find out who is responsible for a boiler before paying for insurance you won’t need.

If you know that your boiler is your responsibility, then the next step in finding a good insurance deal online is to make sure that boiler can be covered. If your boiler is more than ten years old you’ll find it difficult to find a policy at a good price, and if your boiler is much older than that you might not be able to get it insured at all. This might be a good time to check out deals on getting a new boiler system fitted, as boilers over 15 years old are likely to be costing a fortune due to their inefficient nature and likeliness to break down. Usually though, it’s pretty easy to ensure a boiler up to ten years, although some might be need an inspection to be allowed on a policy.

Once you’ve checked the age of your system and found a policy that can cover you, make sure that the policy deals with everything you need and that you are aware of the limits of the policy and what you are paying for. Different boiler companies define different situations as an emergency for example, and some of the cheap providers don’t always offer the best cover. Make sure you read and understand what you’ll be getting so you aren’t left out in the cold when your boiler does breakdown but the policy doesn’t cover the problem.