Central Heating Insurance Keeps the Cold Out

2007-03-08 10:33:40

( Home )



Living in the temperate zone means putting up with extreme levels of hot and cold weather. A typical home has both heating and air conditioners to keep the interior temperature adequately comfortable.

Between the two systems, heating systems are used more often than cooling systems because hot weather is generally easier to tolerate. This implies that your central heating system will wear out faster and may even break down during use. A breakdown of your heating system means having to contend with extreme cold or sub-zero freezing nights.

Fortunately, there are companies who offer insurance protection for home central heating and air units. For less than ten pounds a month, you can get free repair and maintenance services up to a certain limit that the insurer will specify.

How Central Heating Insurance Works

The central heating insurance company is connected to a network of accredited independent engineers and it provides you with a list of their names and phone numbers. As long as you use the listed engineers, your repair and maintenance bills are free. There's no need to pay any bills in advance or fill out any claim forms.

The length of coverage will depend mostly on the type and age of your central heating system. Conventional types of heating systems have longer useful lives and can get longer coverage periods than combination types. Coverage starts within one month from date of your application.

Emergency helpline is also available on a 24-7 basis. Just have your policy number ready, as well pen and paper to jot down the service referral and contact numbers, and appointment schedule that the telephone advisor will give you.

Limitations of Coverage

Central heating insurance coverage period is limited to the remaining useful life of your central heater. A combination type of heater has to be brand-new in order for you to enjoy a full five-year coverage.

Most central heating insurance companies will not pay for damages caused by fire, theft and accidental or malicious intent. They are also not responsible for damages resulting from incorrect installation or from electricity or water supply problems. The insurance package also gives limits to repair costs as well as actual service hours.

Despite the limitations, having insurance for your central heat and air units is still a better alternative than freezing to death right in your own home.


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