Boiler Insurance - Boiler Cover Exceptions

Boiler Cover Exceptions

Each boiler cover policy comes with some exceptions. These range from the amount of times you can call an engineer out to the amount that each repair can cost to what the insurer considers to be an emergency.

Most policies have a “no claims” period of between 30 and 45 days to ensure that customers don't sign up simply to avoid paying emergency costs on a boiler that's already broken down since it will typically cost £33 an hour to call out an engineer - or £76 in London.

If your boiler is more than 15 years old you might not be able to get it covered as it will be unreliable and costly to the insurer. In cases like this it might be better to invest in a new boiler.

If your boiler is 10–15 years old then it probably isn’t an energy saving boiler and could be wasting 875 kg of CO₂ a year. By law, all new boilers must now be energy efficient condensing boilers, which could save you at least £150 a year according to the Energy Saving Trust.

Make sure that you read the small print on any policy that you sign and carefully go over the terms and conditions to make sure that you know how long it will take for an engineer to visit; some will come out within 24 hours, some within a few days and others will limit callouts at weekends to extreme emergencies only.