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A Basic Guide to Heating Cover
Who needs Heating Cover?
Whether or not you need heating cover depends on whether or not your heating cover will break down and your exact circumstances. Unfortunately most of us can not reliably guess whether or not we will have heating problems, so we need to ensure we understand our own circumstances.
If you in rented accommodation, a mobile home or live in a new build or will probably either not be able to get cover or already be covered by your building guarantee. Depending on the home insurance policy you have you might already be covered (although a surprising number don't cover you).
The other thing you need to consider when deciding whether or you need heating cover is whether or you can afford a large bill out of the blue? Some people can, and assuming they are willing to take the risk it can work out cost efficient to pay for repairs as and when they are needed.
Assuming you are prepared to cover big costs at the drop of a hat and you can't guarantee your heating will not break down, you will probably need heating cover.
Choosing your policy
Just because you get your utilities from one supplier doesn't mean you need its insurance too. There is no requirement for loyalty and in many cases it pays to shop around. Not all policies are the same, so it's vital to know what you want covering. Some policies only cover boiler repairs, some include annual boiler service whilst others also include cover for other home emergencies.
Ensure you will get help when you need it!
Most Heating Cover suppliers provide a 24/7, 365 helpline to call when you have an
urgent heating problem and the with cost of the call-