As winter approaches, so do cold nights and even colder mornings; it’s the time of year when your boiler seems to become the most important device in your home. So, understandably, many homeowners worry that their older boiler might not be eligible for boiler cover, especially as it ages.
The good news is getting cover for older boilers is possible, although there are some limitations depending on the age and condition of the boiler.
Since your boiler is such an important part of running your home, knowing you can get insurance for it provides essential peace of mind.
In this article, we’ll explore whether you can get boiler cover for an older boiler, what to look out for from a policy and what type of insurance you might want to invest in.
Read on or skip to a section below:
- Understanding boiler age limits for cover
- Why insure your older boiler
- Tips for maintaining an older boiler
- Common misconceptions about boiler cover for older systems
- The bottom line
Understanding boiler age limits for cover
As boilers get older, they’re more likely to run slowly, leak and even break down. As a result, boiler insurance providers often have age restrictions, which can make it challenging to find cover for older systems, particularly as many providers limit coverage to boilers under 10 years old.
But don’t worry if you have an older boiler, just because it might be a bit trickier to find a policy that works for you, doesn’t mean it’s impossible.
You can get specialist cover that will protect systems older than 10 years old, however, this often comes with financial premiums.
And, some providers do cover older systems in their standard cover (meaning you won’t be paying more). However, these providers are fewer and further between, so you need to carefully check policy documents before making a purchase.
Why insure your older boiler?
When it comes to looking for insurance for your older boiler, it’s easy to get fed up with searching and decide you probably won’t ever need the cover anyway, so why go to the hassle of finding the right policy?
And, while insurers like Save More Money hope you’ll never experience an emergency that means you’ll need to claim against your policy, it’s good to have protection in place, just in case.
Covering an older boiler is a smart investment, especially if it’s still running efficiently as insurance can help you avoid unexpected repair bills (which are usually higher for older boilers) and extend your boiler’s life span, so you don’t need to fork out for a new system.
It might seem counterintuitive, but paying for the right insurance policy could actually save you money in the long run.
See also: Does emergency home cover insurance cover boilers?
Tips for maintaining an older boiler
Maintaining any boiler is essential to its efficiency and safety, however, it becomes even more important the older your boiler gets.
Not only can ongoing maintenance ensure your boiler stays in working order, but it can also prolong its life, reduce the risk of breakdowns and make sure it remains eligible for insurance coverage, saving you money as a result.
So, to keep your ageing boiler in good nick, consider the following tips😆
- Annual servicing: Regular check-ups can prevent issues from escalating and improve performance.
- Bleeding radiators: Bleeding your radiators on a relatively frequent basis can keep your system running smoothly.
- Consider a smart system: Using a thermostat and upgrading to a smart system to reduce wear and tear.
Common misconceptions about boiler cover for older systems
There are many misconceptions about getting coverage for older boilers, which can make the worry about insurance far greater than it needs to be.
So, we wanted to debunk a few common myths to make sure you’re confident when it comes to purchasing your insurance policy.
- Myth 1: No one covers boilers over 10 years old.
- We know this is fundamentally untrue because our emergency home insurance covers boilers aged up to 15 years.
- Myth 2: It’s too expensive to cover an old boiler.
- While affordability is a relative concept, there are plenty of policies out there designed to be affordable for the majority.
- Myth 3: Older boilers can’t be repaired.
- Not every boiler can be repaired, but this depends on the extent of the problem, not the age of the boiler. If it’s possible to repair an older boiler, most insurers will.
See also: What are the benefits of home emergency cover?
The bottom line
Finding boiler cover for an older system may feel daunting, but it’s entirely possible with the right approach. While some providers impose age limits or higher premiums, many others offer specialised or even standard policies that accommodate older boilers.
When selecting a plan, consider your budget, the condition of your boiler, and what you need in terms of protection. Investing in the right insurance isn’t just about avoiding repair bills, it’s about peace of mind, knowing you’re prepared for the unexpected.
If you’re ready to explore your options, consider starting with our emergency home insurance, providing coverage for boilers up to 15 years old.
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