Is boiler insurance worth it?

Posted by Susie Helme on March 18, 2017 at 11:20am in Questions, Help, Advice

Advice? My boiler insurance (Domestic & General) doesn't cover problems resulting from sludge buildup. However, it seems that sludge buildup is always given as the reason for boiler problems. Is it worth having boiler insurance if the insurance doesn't cover the problems my boiler actually has? If not, should I get some private engineer to do an annual service? Any recommendations?

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Replies

Susie Helme March 25, 2017 at 10:31am

Thank you all for your advice!!!
Annabel Gregory March 23, 2017 at 8:40am

We used to get our Vaillant boiler serviced every year (more or less) by Steve of Vaillant Boiler Repairs tel. 07770 580803. He's very considerate and helpful.
Julia M March 22, 2017 at 1:26pm

My 2001 combi boiler was a recommended Vaillant. The same heating engineer replaced it with a Viessmann in 2016, saying he finds the latter is now the most reliable brand on the market.
- Annabel Gregory > Julia M March 22, 2017 at 7:28pm
  
  "Snap! We also moved from a Vaillant to a Viessmann. Your heating engineer isn't called Alec Morrow, by any chance?!"
- Julia M > Annabel Gregory March 23, 2017 at 12:40am
  
  No - Robert Nosowicz. Sounds as though they may be of the same vintage and calibre.
Annabel Gregory March 22, 2017 at 12:44pm

I agree with Julia. We've never had boiler insurance or a maintenance contract. The man who installed it said that it does not need annual services either (he has great faith in it!) - he's serviced it 2 or 3 times since it was installed nearly 7 years ago, and I don't think we've had any problems with it, apart from needing some thermostat settings changed. It's a Viessmann.
Julia M March 19, 2017 at 11:06am

I have never had boiler insurance nor felt 'caught out' by problems cropping up with my boilers. Nor do I have an annual service. What I do have is a qualified heating engineer. I paid them to install a good quality new boiler when I bought this property in 2001. I paid them several hundred pounds a few years later for a power flush as a preventative against sludge buildup. The stuff that came out was impressively vile. Years ago when I lived elsewhere I used to have an annual boiler/heating check from the same private heating engineer who 'did' all my neighbours. That worked well too - he rarely needed to do anything expensive to fix our heating systems. IMO it is better value for money to find a recommended and Gas Safe qualified heating engineer and follow their advice than to pay insurance premiums.

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