The National Residential Landlords Association has launched a new partnership with YourRepair, a provider of flexible boiler and emergency cover.
NRLA member landlords will now be able to get comprehensive boiler cover enabling them to call on YourRepair should they need urgent assistance. NRLA members will be eligible for a discounted monthly fee.
Additional cover may be tailored to landlords’ needs with boiler and central heating repairs, plumbing repairs, repairs to taps or toilets, pest control, and other services in addition to YourRepair’s standard offer.
“We are delighted to confirm this partnership with YourRepair, who will be able to provide our members with an important, much-needed service” explains NRLA chief executive Ben Beadle.
He continues: “Making life easier for members and taking some of the hassle out of keeping rental properties in top-condition is a welcome addition to our service.”
And John Thornton, operations director from YourRepair, comments: “Like the NRLA, we recognise that being a landlord comes with many responsibilities, so we want to make it as simple and easy as possible for them to protect and maintain one of the most essential assets in the property.”
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Sounds great doesn't it, few yrs ago I tried boiler cover, total waste of time, just use a good independent local heating engineer
Agreed.
I used British Gas for several years but after they let me down badly I threatened to sue for breach of contract. I was refunded the last 3 years payments for that flat and cancelled the others, saving thousands moving forward.
Self employed heating engineers who value having a number of properties are the best solution, only paying for what you need.
Not sure what deal NRLA have done to offer a discount? No info in the article, no info on the website. I was interested because my gas safety cert was included which means I am saving £70/year already. At £12/month on the main website before any discount from the NRLA, that’s boiler cover for £74/year per property. I reckon I have spent pretty much that figure if I add up all my repairs and replacements and divide by the number of properties. But, I doubt I would have got the full replacement cost of the boilers as they were too old, so in my opinion I agree with Andrew, waste of time for a portfolio landlord. If you are a single property landlord, it’s cheap peace of mind.
Agreed.
With a number of properties it's invariably cheaper to "self insure" for everything except buildings insurance.
I've saved over £30k over the years by not taking out contents insurance, accidental damage etc. and could probably replace the entire contents in my home for less, and in any other property for much less.
Having only recently turned 73, I am looking forward to saving a further 30k or more in avoidable premiums over the coming decades!
Looking forward to your telegram from the king then Robert
Andrew
You're invited to the shindig - some time in December 2049 - make sure your diary isn't too full of other shindigs that month!
I'll be there Robert
If you think about it, all insurance is going to be more expensive then self insure. The insurance company has to cover all their costs and make a profit, after paying out the claims. Insurance gives you piece of mind if you do not have sufficient funds to cover a problem.
Totally agree John, which is why I only insure against life changing losses or where it's mandatory.
I also happily increase voluntary excesses to save about 10% of that excess in reduced premiums.
Government interference in how insurers can compete for new business has pushed up premiums for those who shop around but deals can still be negotiated if you persist.
I have a mixed approach to emergency and boiler insurance. Most new boilers come with 7 or 10 year warranties so they're OK until that point. Some insurance companies do very good add on emergency insurance cover alongside the main buildings policy. I especially like the Direct Line and Endsleigh ones. I have a Multi Premises plumbing and drainage British Gas policy on almost all properties which is incredibly useful for minor drips or blocked drains. It probably costs about the same across the portfolio as getting a local plumber in each time would be. Then some of the flats have stand alone emergency policies. They tend to have lots of exclusions but a combination of that and the BG policy covers most important things.
I have got BG Homecare on 2 houses but find them incredibly frustrating for the gas safety check so use a local gas engineer for all the other properties.
It often doesn't matter which policies you have or how much you pay if tenants don't mention there's a problem.
Modern Boilers are the problem, old Boilers used never break down and if t did it would be just to Replace the little thermocouple £3.
Modern Condensing Boilers are the problem, condensing chamber gumming up or exit pipe freezing up water logging the Boiler, diverter valve starts leaking or water sensor blocked, printed circuits on some boilers are noted for failure, others are blown by the Tenants messing around with the wiring to add their gizmo to control it from their mobile phone but always denied touching it. They are all mainly Combo’s those days for instant but limited hot water. I had one big one that served 2 Shower but they turned down the Boiler controls to suit one shower then it could do the other instead of using the thermostatic valves to set shower temperature.
There a lot to be said for the old system with your cylinder of hot water with immersion back up even if Boiler breaks down a few heaters to tie you over, they still have the hot water.
I went to a Boiler spares place before Xmas when we had the big freeze, 4 people serving yet 13 in a queue in front of me.
I've over the last couple of years replaced 2 boilers that were over 25 yrs old, I' ve also had to replace a 7 yr old one, 10 yrs is about as good as you are going to get out of a boiler now
I had TWO pretty new boilers fail on the same day during the sub zero cold snap just before Christmas, both due to the condensate pipe freezing. My plumber advised using a hair dryer to unblock the frozen pipes, which was possible as both were ground floor properties.
For uninsulated pipes, boiling a kettle and diluting the 100C water to 25C, then pouring it over the pipes will work faster than the hair dryer.
Neither solution was necessary with the older much more reliable boilers!
I have just replaced 2 x 27 year old boilers made by Ideal, superb boilers! But all are going to have to be condensing boilers soon to hit your EPC rating, so get ready!
Like others here I have a mix, older boilers i have insured with British Gas, I pay between £18-32per month. I have opted for a call out on the £18 one. Pay £60 if called out.
I found that PCB's kept failing which were costing anywhere between £150-£300 to fix!
I ensure all new boilers have extended guarantees and only fit Worcester Bosch or Vaillant.
Completely agree with Michael, new boilers are rubbish compared to the older ones and I'm not convinced about economy either. I had a boiler from the 70's in a house where I lived, I couldn't repair as no spare parts, put in a condensing boiler which should save me money, i have to say there was hardly a difference on the bill!!
Worcester boilers are the best, I've had to replace a Vaillant at only 7 yrs old
I nearly married a girl from Worcester - not sure if she would have been as reliable as the Glasgow version I opted for a bit later!
God I wouldn't want to answer that one Robert, your better half being a lady from Glasgow would not be a lady to cross swords with, coward ? yes on this one
Very wise Andrew!
Robert. I think you should be holding that Shindig now, no hope of landlords seeing a ton, they have our hearts broken already. I thought you were being a bit optimistic when you were going to save all this money on insurance premiums for decades to come.
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