Insurance

[rich47]

I have two insurance policies for house and contents and boiler but neither will accept a claim for a leaking boiler replacement. Water damage yes but boiler replacement no chance. F’ing ridiculous!!!!!

[archibaldy]

No house insurance will replace a boiler because it breaks down - if you were told that then you were mis-sold.

[emmie]

agree with Archibaldy,

how are you Rich47, long time no see.

[naomi24]

Insurers don’t replace stuff because it’s old or worn out. If they did no I’ve would ever have to buy anything.

[emmie]

you can get boiler insurance......

[naomi24]

That’s for breakdowns, emmie. I don’t think it covers you to buy a new one when the old one finally conks out.

[emmie]

i don't have one so don't know, suggest he contacts British Gas

[emmie]

or Scottish power?

[rich47]

Good morning Emmie - as my grandfather would have said in his Doric I am chavin awa. Thanks for asking

[ToraToraTora]

My toaster broke down the other week, is the insurance responsible for that? Think it through.

[bhg481]

You're tempting fate with that comment TTT. In the last few weeks you've supported Boris and Liz; now they're both toast and your toaster is broken. Coincidence?

[davebro]

I think more info is needed.

My boiler was installed in 1996 & with occasional servicing works perfectly. If it developed a leak and proved to be irreparable would I be justified in trying to claim for a new boiler from my house insurance? Hm...

[roopower]

You can get insurance for white goods, not sure if that covers a boiler but I got a new tumble drier out of it and I hadn't paid enough to cover it.

[Atheist]

Your insurance policy details should explain what is not covered. One should always read the small print.

[ubasses]

As others have said, home insurance will cover any damage caused by the breakdown but not the item. You would have to go to a Company like Domestic and General who cover repairs and repacement if not repairable. I believe they do cover for boilers.