Choosing the right boiler cover & home emergency insurance plan is constant stress. The decision needs to be based on some factors that can serve your household needs on better grounds. Plus, you need to be extra careful to avoid breaking your budget.
Let’s look at a few factors that you must consider when picking the boiler service plan.
Pick the right type of boiler cover
There are a number of options available when it comes to choosing a boiler & home emergency plan. However, you may want to pick a coverage plan that can well-serve your boiler and home emergency needs. Boiler covers vary, depending on cost, maintenance, repair, and service contracts. Some plans only have to offer boilers, other imperative things like plumbing, heating, drains, etc. wouldn’t be included. However, some plans will also be covering for electrical wiring and even pest control.
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The cost of boiler cover
Price is one of the important considerations when it comes to picking the right type of boiler cover. The more you will pay, the more you will get. If you don’t want to break your budget, then you are advised to go for an average boiler cover package that will serve basic needs. However, if you are looking to get more under a boiler coverage plan, you will have to pay more.
Generally speaking, the probability of desiring an expensive boiler cover is quite low. Most people (66%) believe that paying for a basic home coverage plan is financially worthwhile. You may also want to invest in a budget-friendly annual boiler cover plan that will just cover boiler breakdown, repair, and annual boiler service.
You don’t need to pay for more than you need!
Understand the boiler policy exclusion
When comparing different boilers and home emergency service providers, you may want to pin down options based on what they have to offer and at what cost. As mentioned earlier, it is in your best interest to choose a basic boiler cover plan that has to offer more at a low cost. However, there are other boiler policy exclusions that you must know about, for instance;
Boiler Life: As a new or existing customer, you must be well-aware that some boiler cover providers don’t have to offer a renewal policy. Your boiler coverage plan will expire after it reaches a certain age. Typically, boiler life is 2 to 5 years, and after that, you will have to look for a new cover plan or a new provider.
Boiler Age: If you intend to get a coverage plan against an old boiler (more than 10 to 15 years), then you must know that most of the boiler cover providers wouldn’t want to accept you as a new customer. You may have to stick with an existing plan and provider.
Cost Limit: In case your boiler breaks down, and it demands expensive repair to work properly, then it would be best to have a support coverage plan with “no limit on repair costs.” It is sensible on your end to pick the best boiler brand that can guarantee 100% guaranteed repair without putting a limit on repair costs.
The claiming procedures
It is vital to learn about the claiming procedures when choosing the boiler cover and home emergency provider. You may not want to invest your money in a plan for which you haven’t checked the claiming procedures. You are required to check on the claiming policies & periods.
Different types of home emergency providers have to offer different types of plans that come with different types of claiming policies. The nature of the plan you pick will set the claiming procedures.
For example, according to some boiler coverage plans, users are not allowed to claim anything for at least 30 days. It is suggested to directly ask your home emergency provider about the claiming periods. This way, you can get your boiler cover fixed on time, in case something goes wrong in the future.
Know the maintenance plan
It would be appropriate to directly ask your provider about the maintenance plan and services. This can help you analyze what you are paying for and whether you can expect efficient support from your boiler service provider.
Under many circumstances, you may need instant support from your provider. For example; when all of a sudden your boiler breaks down or it is badly installed or had parts fitted incorrectly. Your home emergency provider needs to have a proactive approach to handle breakdown problems and ensure smooth running.