Heating your home isn't so much of a problem in the summer, but unless you're in the habit of only taking cold showers and boiling the kettle every time you wash up, you could be left high and dry if your boiler breaks down. The boiler is a part of the home which is rarely, if ever, thought of, until it stops working. Suddenly it becomes a very prominent and rather expensive piece of essential equipment.
Boiler Breakdown - Is Your Heating Covered?
Heating your home isn't so much of a problem in the summer, but unless you're in the habit of only taking cold showers and boiling the kettle every time you wash up, you could be left high and dry if your boiler breaks down. The boiler is a part of the home which is rarely, if ever, thought of, until it stops working. Suddenly it becomes a very prominent and rather expensive piece of essential equipment.
If you rent your home, you won't have to worry about having some money aside for boiler repairs; your landlord will cover it. But if you're a homeowner, you may want to think about putting a little aside to cover the costs should anything go wrong.
If your boiler is over ten years old, it might be worth investing in a new model; this can cut your fuel costs down considerably, especially if you get a high-efficiency model. Depending on the amount of space in your home, the size of your family and the existing boiler, you would have a choice as to the type of boiler to go for. A combi boiler is the most widely known, and is good for small homes with few people, or people who don't want to wait for their hot water. A combi boiler heats water and takes it over the network, eliminating the need for a storage tank. Hot water is instant and on demand; but if someone runs a hot tap while you're having a nice hot shower, be prepared to jump out quickly!
A sealed system boiler uses a single storage tank, usually in an airing cupboard, and enables a large family to have several taps or showers on the go at once, without compromising hot water or water pressure. The system boiler is quick and easy to install, and doesn't take up too much space. However, because of the storage tank, hot water isn't instant and can run out if used too quickly.
An open vent boiler is the norm in most older homes, and takes up the most space; two water tanks in the loft and a storage cylinder in the airing cupboard. Like the sealed system, this type of boiler can allow multiple outlets to draw hot water a the same time, but can also take a while to heat and doesn't give the best water pressure.
Finally, a back boiler can allow multiple outlets of hot water at the same time, without loss of pressure; but they can take up a lot of space. Traditionally back boilers are stored in a chimney breast, but unless you already have one, it's probably not worth switching to one. But if your home had a back boiler installed when you moved in, it can save you a lot of money; if it needs replacing, it's far cheaper to get a new back boiler to replace and old one than it is to get a completely different system installed.
Whichever boiler your home has, it can be costly to repair. Taking out heating insurance can provide peace of mind that if something goes wrong with your heating system, your costs will be covered. Take out a policy that covers annual boiler inspections as well as call-outs and repairs and you could save yourself an extra £95 per year.
Consider taking out heating cover for your home. With heating cover, you can have your boiler repaired as quick as possible. Heating cover can also cover your drains, plumbing and electrical. Check with your provider.
J Tillotson is a financial author in the UK
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http://www.moneysupermarket.com/heating-cover/
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