Be sure to protect your boiler this winter

Households throughout the UK are being urged to safeguard their heating supply against a boiler breakdown as the winter approaches and the cold sets in


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The financial research company Defaqto is warning that having the correct insurance cover in place is particularly important in the current financial crisis given that family budgets remain stretched to their limits. Emergency repairs, though essential, may not be affordable unless there is proper insurance cover in place.

The financial analyst has discovered that while there are many home emergency policies available, there is also a great variation in the type of benefits they offer. Data obtained by the company shows that there are 163 providers within the heating sector offering 307 home emergency products which are available either as a standalone product from a home emergency insurer or utility or as an add-on to an existing policy.

Home emergency insurance covers boiler repair in case of breakdown along with wider central heating system emergencies, plumbing, drainage, power supplies and roof damage. However, there is a lot of variation in the limits on cover between policies.

“Given that policies can vary, it is vital homeowners know what cover is provided by their policy, or any new policy they are planning on purchasing,” said Anna-Marie Duthie from Defaqto. “You should also not focus on premium alone, but on the features and benefits offered.”

In other words it is always best to examine the small print and see exactly what is on offer.


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