If you want to be able to afford to protect your family and your home, and if you’re affected by an unforeseen emergency, then taking out insurance is the most reliable and cheapest way of dealing with this nightmare. We can help you find the right policy for your needs.
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A broken boiler in the middle of winter, frozen pipes or even roof damage – these events can prove very costly to repair and you may often have to wait in your cold house, if you don’t have suitable insurance, until the problem can be fixed.
With home emergency and boiler cover, you’ll be offered a 24/7 service that’ll ensure that repairs are carried out efficiently and promptly. Should any extra spare parts be essential, these will be covered by your policy – as will any labour costs. Given that emergency repairs to homes that do not have this type of insurance can be eye-wateringly expensive, these policies will prove to be cost effective for you and your family.
Many forms of house insurance don’t cover emergencies or if they do you may be asked to pay an excess. If your boiler fails or the tiles come down off your roof during a storm and water is streaming into your house, you’re going to want the matter to be seen to as soon as possible. This type of policy does offer a truly emergency service and is far cheaper than calling out a trader in the middle of the night and paying for their services if you’re not covered by insurance.
24/7 Home Rescue - Boiler Basic
Offer Details
Use code GET15 to get 15% off when purchasing your Boiler Insurance (Terms and Conditions apply)Benefits
24/7 Home Rescue - Boiler Care
Offer Details
Use code GET15 to get 15% off when purchasing your Boiler Insurance (Terms and Conditions apply)Benefits
24/7 Home Rescue - Heating Care
Offer Details
Use code GET15 to get 15% off when purchasing your Boiler Insurance (Terms and Conditions apply)Benefits
24/7 Home Rescue - Home Care Plus
Offer Details
Use code GET15 to get 15% off when purchasing your Boiler Insurance (Terms and Conditions apply)Benefits
Coverbaloo - Boiler Cover (Optional)
Benefits
Exclusions
Most home emergency and boiler cover will protect your home and your family should the unexpected happen. The policy will give you peace of mind and give you immediate access to a professional to solve the problem. Always check the insurer’s classification of an emergency to ensure that your policy covers you.
When to get home emergency and boiler cover
1.If you’ve had your boiler for a few years and it’s out of warranty, this is a great time to consider boiler cover.
2. With the climate changing so rapidly and more homes suffering from damage as a result of strong winds. Home emergency insurance can be taken out as soon as you move into your home.
The age of your boiler is important. Some insurers won’t cover a boiler if it’s between seven – ten years old. Others stipulate that the boiler can’t be over 15 years. It’s believed that the older the boiler the more frequently it’ll break down and this cost won’t be covered by your premium.
The condition of your house really matters. Insurers will take normal wear and tear into account but if you have neglected your property and not kept up with essential repairs, you may have a problem claiming for emergency cover.
Not all standard house buildings and contents insurance policies will cover emergencies, or you may find that you’ll have to pay a hefty excess if this option is included in your policy. With emergency home insurance/boiler cover in place, there’s no limit to the number of claims you might need to make during the term of the policy. A standard annual premium is all you’ll have to pay to ensure you’re protected against all emergencies.
Always read the small print when taking out this type of insurance. A home that’s been empty for over thirty days and suffered damage won’t be protected. If an emergency happens within the first 14 days of the policy starting, you may have difficulty making a claim. Sometimes it can be tricky to make a claim should your boiler fail over the course of the summer – the Ts & Cs will clarify whether this applies to just heating or includes access to hot water.
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