Last weekend I gave in and turned the heating on. I admit it, I was in total denial about the end of summer. I wanted to believe tropical Britain was here to stay. The moths could have the Winter coats.
Okay, so it’s freezing and I’ve had to accept I need the boiler to do its thing. Except it didn’t. The family Walker have got proficient at rebooting a boiler after all these years. From re-pressurising to translating the flashing symbols on the thermostat, we’ve been through it all.
I set up Resolver after a spectacular fail from my old boiler insurance provider resulted six months of an increasingly bonkers complaints process. But I still eye my boiler suspiciously. It’s as temperamental as Mariah Carey. Here’s a few tips if your boiler isn’t playing ball and you need to make a claim.
If you don’t have boiler cover, Is it worth taking out insurance? With average boiler call-outs costing around £400, it certainly can be. These policies vary hugely, so it’s really important to find out exactly what’s covered before you sign up. Some policies only cover the boiler, while others cover the central heating and items that run off it too. Stand-alone boiler cover is one thing, but you can also take out home emergency cover. This is designed to cover a range of problems, but most commonly burst or blocked pipes and boiler breakdowns – though some cover everything from vermin infestations to home security.
If you’re thinking about taking out boiler or home emergency cover, before you do anything, check to see what your existing home insurance covers. You might find you don’t need it. If you opt for home emergency cover, I’d suggest speaking to the insurer about your property before signing up.
Not all boiler contracts are insurance products – which matters because if there’s a dispute, you can’t go to the Financial Ombudsman if it’s a service contract or other agreement. However, the ombudsman and I both apply the ‘duck test’ to these contracts. If it looks like a duck and quacks like a duck, it’s a duck! So the same goes for a contract that looks like an insurance policy. Put a complaint in regardless if something goes wrong. The ombudsman might be able to help.
Don’t forget though, if you have a problem with a boiler, no matter what kind of policy you have, don’t let it drag on for months (believe me!) – get in touch!