Almost every home nowadays has a boiler or a central heating system and if yours is one of the many, then it would be best to take out an insurance policy that will cover any damages to your boiler. A central heating insurance policy may also cover the expenses that will be brought about by the damages that a defective central heating system may cause. This should prove to be very helpful as the cost of emergency repairs may be too costly for your own pocket to handle. A lot of energy suppliers offer the insurance policies together with the central heating system, but it is not a necessity to take out an insurance policy from the same company where your energy supplies come from. In fact, shopping around and looking for other insurance providers may be cheaper.

Every central heating insurance policy has its own unique features, so it is best to evaluate your needs before pursuing to purchase a particular policy. Eventually, you would not want to end up in a situation where you will find that the insurance is inadequate to cover your needs, but of course, you would also not want to pay over the odds.

Basically, you have two choices when it comes to getting a central heating insurance cover. For instance, you can choose to insure the boiler and its controls alone. On the other hand, you can also get a policy that covers the whole central heating systemfrom the boiler to the wirings and everything in between. Some policies offer additional emergency cover should anything go wrong with your wiring, plumbing, or when your house keys get lost and you need to find and hire a locksmith. These will all add up, however, so it is worth assessing what kind of coverage you will likely need from an insurance policy before splurging out on the most expensive ones.

Almost all heating insurance policies indicate that they provide a free twenty four hour emergency callout and helpline service. However, the definition of what an emergency is may vary widely among insurance providers. For instance, some providers may not consider the failure of the heating system on summers as an emergency, or the simple lack of hot water. Thus, you should make it a point to check with the policy provider of what emergencies means in their vocabulary.
Most policies have around thirty days of initial no-claims period. This is to prevent catering to mischievous customers who sign up to policies right after their boiler has been broken. Moreover, it should be an imperative to check if a particular type of boiler can be covered by the insurance so ask the seller before purchase.