I've just cancelled my heating system cover from Corgi Homeplan as they
have increased the premium by 21% and removed replacement boiler cover
as the boiler is now over 10 years old.

Now I know we are supposed to do everything ourselves but since my
boiler passed 8 years of age I have enjoyed the reassurance of an
insurance cover.

Any recommendations for a company to use in place of Corgi?

Mike

On Tuesday, 3 January 2017 16:17:29 UTC, Muddymike wrote:

I've just cancelled my heating system cover from Corgi Homeplan as they
have increased the premium by 21% and removed replacement boiler cover
as the boiler is now over 10 years old.

Now I know we are supposed to do everything ourselves but since my
boiler passed 8 years of age I have enjoyed the reassurance of an
insurance cover.

Any recommendations for a company to use in place of Corgi?

Mike

These schemes border on being scams. Keep your money, spend it on the new boiler when the time comes. You're worse off with insurance.


NT

In article ,
Muddymike writes:
I've just cancelled my heating system cover from Corgi Homeplan as they
have increased the premium by 21% and removed replacement boiler cover
as the boiler is now over 10 years old.

Now I know we are supposed to do everything ourselves but since my
boiler passed 8 years of age I have enjoyed the reassurance of an
insurance cover.

Any recommendations for a company to use in place of Corgi?

For what?
Insurance?
Service/maintenance?

What model boiler? People might comment on likely longevity/reliability.

Also, how critical is it to you? Could you manage for a few days without
it if it broke, or do you need an instant repair?

--
Andrew Gabriel
[email address is not usable -- followup in the newsgroup]

On Tuesday, 3 January 2017 19:03:49 UTC, Rod Speed wrote:

I did insure the brand new car for the first year, because
the insurance was only $100 quite literally and we have
a lot of legal and illegal pickers in this area who would be
very hard to get the money out of if they wrote off the car
because they can't drive properly. That premium hiked
dramatically year by year and when it got to $300 in the
third year, told them to shove it where the sun dont shine.

Is car insurance optional in Oz?


NT

wrote
Rod Speed wrote

I did insure the brand new car for the first year, because
the insurance was only $100 quite literally and we have
a lot of legal and illegal pickers in this area who would be
very hard to get the money out of if they wrote off the car
because they can't drive properly. That premium hiked
dramatically year by year and when it got to $300 in the
third year, told them to shove it where the sun dont shine.

Is car insurance optional in Oz?

That's the option car insurance, what we call comprehensive,
and the yanks call collision insurance.

What we call third party is compulsory, but
doesnt cover any damage to the cars involved.

On Tuesday, 3 January 2017 20:33:23 UTC, Rod Speed wrote:
tabbypurr wrote
Rod Speed wrote

I did insure the brand new car for the first year, because
the insurance was only $100 quite literally and we have
a lot of legal and illegal pickers in this area who would be
very hard to get the money out of if they wrote off the car
because they can't drive properly. That premium hiked
dramatically year by year and when it got to $300 in the
third year, told them to shove it where the sun dont shine.

Is car insurance optional in Oz?

That's the option car insurance, what we call comprehensive,
and the yanks call collision insurance.

What we call third party is compulsory, but
doesnt cover any damage to the cars involved.

Ah, same here in theory. In practice insurers aren't much interested in anything other than comprehensive.


NT

On 03/01/2017 17:41, Andrew Gabriel wrote:
In article ,
Muddymike writes:
I've just cancelled my heating system cover from Corgi Homeplan as they
have increased the premium by 21% and removed replacement boiler cover
as the boiler is now over 10 years old.

Now I know we are supposed to do everything ourselves but since my
boiler passed 8 years of age I have enjoyed the reassurance of an
insurance cover.

Any recommendations for a company to use in place of Corgi?

For what?
Insurance?
Service/maintenance?

What model boiler? People might comment on likely longevity/reliability.

Also, how critical is it to you? Could you manage for a few days without
it if it broke, or do you need an instant repair?


Its a 11 year old Ideal Mexico HE30. The system also heats and provides
hot water for our holiday let apartment so with me working away from
home for up to 2 week spells STWNFI likes the reassurance of maintenance
cover.

Mike

In article ,
Muddymike wrote:
I've just cancelled my heating system cover from Corgi Homeplan as they
have increased the premium by 21% and removed replacement boiler cover
as the boiler is now over 10 years old.

Now I know we are supposed to do everything ourselves but since my
boiler passed 8 years of age I have enjoyed the reassurance of an
insurance cover.

Any recommendations for a company to use in place of Corgi?

I'd guess it will cost a lot to insure an old boiler?

--
*Wood burns faster when you have to cut and chop it yourself.

Dave Plowman London SW
To e-mail, change noise into sound.

In article ,
wrote:
Ah, same here in theory. In practice insurers aren't much interested in
anything other than comprehensive.

Usually with a pretty large excess. So in practice is more like TPF&T.

--
*Gargling is a good way to see if your throat leaks.

Dave Plowman London SW
To e-mail, change noise into sound.

On Wed, 4 Jan 2017 10:08:26 +0000, Muddymike wrote:

Also, how critical is it to you? Could you manage for a few days
without it if it broke, or do you need an instant repair?


Its a 11 year old Ideal Mexico HE30. The system also heats and
provides hot water for our holiday let apartment so with me
working away from home for up to 2 week spells STWNFI likes the
reassurance of maintenance cover.

Getting a plumber out in Dec. was nearly impossible here in Cumbria,
nearly all contacts said 'come back in mid-Jan' so if that's a
problem you need something like the British Gas system where at
least you get a plumber in the next day, even working Sundays.

Which? did a survey of these maintenance contracts reported in the
Nov. 2016 issue (check public libraries for a copy). Yes, they make
little sense in financial terms, but try saying that to someone
freezing in mid-winter who has trouble getting a service engineer
out. The OP's Gorgi contract didn't compare well.

On Wednesday, 4 January 2017 11:40:44 UTC, mechanic wrote:
On Wed, 4 Jan 2017 10:08:26 +0000, Muddymike wrote:

Also, how critical is it to you? Could you manage for a few days
without it if it broke, or do you need an instant repair?


Its a 11 year old Ideal Mexico HE30. The system also heats and
provides hot water for our holiday let apartment so with me
working away from home for up to 2 week spells STWNFI likes the
reassurance of maintenance cover.

Getting a plumber out in Dec. was nearly impossible here in Cumbria,
nearly all contacts said 'come back in mid-Jan' so if that's a
problem you need something like the British Gas system where at
least you get a plumber in the next day, even working Sundays.

Which? did a survey of these maintenance contracts reported in the
Nov. 2016 issue (check public libraries for a copy). Yes, they make
little sense in financial terms, but try saying that to someone
freezing in mid-winter who has trouble getting a service engineer
out. The OP's Gorgi contract didn't compare well.

That's what secondary heating is for, eg a gas wall fire or plug-in electric. Insurance doesn't provide anything extra over calling a gas man out, unless you value having your wallet raided. IME again and again life has been better uninsured. These insurance policies just don't do the things one otherwise would, like get parts for old boilers. It's a mug's game.


NT

In article ,
mechanic wrote:
Which? did a survey of these maintenance contracts reported in the
Nov. 2016 issue (check public libraries for a copy). Yes, they make
little sense in financial terms, but try saying that to someone
freezing in mid-winter who has trouble getting a service engineer
out. The OP's Gorgi contract didn't compare well.

You are going to guarantee a BG service contract will get someone out
quickly who will fix it there and then? Not my brother's experience - and
on more than one occasion. He cancelled his and now relies on a local
plumber. To be able to fix every fault on the spot they'd need to carry
every possible spare in their van. And they don't.

But sensible people have an alternate way of heating and providing hot
water anyway. You can buy a couple of fan heaters for a lot less than a
year's service contract.

--
*I'd kill for a Nobel Peace Prize *

Dave Plowman London SW
To e-mail, change noise into sound.

On 04/01/2017 11:14, Dave Plowman (News) wrote:
In article ,
wrote:
Ah, same here in theory. In practice insurers aren't much interested in
anything other than comprehensive.

Usually with a pretty large excess. So in practice is more like TPF&T.

I've never had a problem getting TPF&T - insurers seem happy to sell it
to me for less than comp cover. Maybe if I drove shinier cars it might
not be the obvious choice. The excess means it's actually more like TP
though - but TP always ends up more expensive.

On Wed, 04 Jan 2017 21:12:38 +0000, Clive George wrote:

On 04/01/2017 11:14, Dave Plowman (News) wrote:
In article ,
wrote:
Ah, same here in theory. In practice insurers aren't much interested
in anything other than comprehensive.

Usually with a pretty large excess. So in practice is more like TPF&T.

I've never had a problem getting TPF&T - insurers seem happy to sell it
to me for less than comp cover. Maybe if I drove shinier cars it might
not be the obvious choice. The excess means it's actually more like TP
though - but TP always ends up more expensive.

SWMBO has just been getting quotes for a second car of hers.

Fully comp. was about 3% more than TPF&T.



--
My posts are my copyright and if @diy_forums or Home Owners' Hub
wish to copy them they can pay me £1 a message.
Use the BIG mirror service in the UK: http://www.mirrorservice.org
*lightning surge protection* - a w_tom conductor

On Thursday, 5 January 2017 00:23:04 UTC, Bob Eager wrote:
On Wed, 04 Jan 2017 21:12:38 +0000, Clive George wrote:

On 04/01/2017 11:14, Dave Plowman (News) wrote:
In article ,
wrote:
Ah, same here in theory. In practice insurers aren't much interested
in anything other than comprehensive.

Usually with a pretty large excess. So in practice is more like TPF&T.

I've never had a problem getting TPF&T - insurers seem happy to sell it
to me for less than comp cover. Maybe if I drove shinier cars it might
not be the obvious choice. The excess means it's actually more like TP
though - but TP always ends up more expensive.

SWMBO has just been getting quotes for a second car of hers.

Fully comp. was about 3% more than TPF&T.



--
My posts are my copyright and if @diy_forums or Home Owners' Hub
wish to copy them they can pay me £1 a message.
Use the BIG mirror service in the UK: http://www.mirrorservice.org
*lightning surge protection* - a w_tom conductor

Try insuring both cars at some place that does multicar insurance.

In article ,
Bob Eager wrote:
SWMBO has just been getting quotes for a second car of hers.

Fully comp. was about 3% more than TPF&T.

Now check the price of fully comp with a moderate excess.

--
*Two wrongs are only the beginning *

Dave Plowman London SW
To e-mail, change noise into sound.

On 04/01/2017 13:19, wrote:
On Wednesday, 4 January 2017 11:40:44 UTC, mechanic wrote:
On Wed, 4 Jan 2017 10:08:26 +0000, Muddymike wrote:

Also, how critical is it to you? Could you manage for a few
days without it if it broke, or do you need an instant repair?


Its a 11 year old Ideal Mexico HE30. The system also heats and
provides hot water for our holiday let apartment so with me
working away from home for up to 2 week spells STWNFI likes the
reassurance of maintenance cover.

Getting a plumber out in Dec. was nearly impossible here in
Cumbria, nearly all contacts said 'come back in mid-Jan' so if
that's a problem you need something like the British Gas system
where at least you get a plumber in the next day, even working
Sundays.

Which? did a survey of these maintenance contracts reported in the
Nov. 2016 issue (check public libraries for a copy). Yes, they
make little sense in financial terms, but try saying that to
someone freezing in mid-winter who has trouble getting a service
engineer out. The OP's Gorgi contract didn't compare well.

That's what secondary heating is for, eg a gas wall fire or plug-in
electric. Insurance doesn't provide anything extra over calling a gas
man out, unless you value having your wallet raided. IME again and
again life has been better uninsured. These insurance policies just
don't do the things one otherwise would, like get parts for old
boilers. It's a mug's game.

That may be true in some analysis, but there is a place for them in the
right circumstances.

In the OPs case it sounds like one of the primary requirements is a
simple call out procedure for when he is not there, and peace of mind
for SWMBO that one call is all it takes and someone will turn up next
day without having to do all the donkey work attempting to get a
suitable repairer in at critical times. The cost trade off is likely
secondary.



--
Cheers,

John.

/================================================== ===============\
| Internode Ltd - http://www.internode.co.uk |
|-----------------------------------------------------------------|
| John Rumm - john(at)internode(dot)co(dot)uk |
\================================================= ================/

On Thu, 05 Jan 2017 11:16:58 +0000, Dave Plowman (News) wrote:

In article ,
Bob Eager wrote:
SWMBO has just been getting quotes for a second car of hers.

Fully comp. was about 3% more than TPF&T.

Now check the price of fully comp with a moderate excess.

It was a moderate excess - £100 I think.



--
My posts are my copyright and if @diy_forums or Home Owners' Hub
wish to copy them they can pay me £1 a message.
Use the BIG mirror service in the UK: http://www.mirrorservice.org
*lightning surge protection* - a w_tom conductor

In article ,
John Rumm writes:
On 04/01/2017 13:19, wrote:
On Wednesday, 4 January 2017 11:40:44 UTC, mechanic wrote:
On Wed, 4 Jan 2017 10:08:26 +0000, Muddymike wrote:

Also, how critical is it to you? Could you manage for a few
days without it if it broke, or do you need an instant repair?


Its a 11 year old Ideal Mexico HE30. The system also heats and
provides hot water for our holiday let apartment so with me
working away from home for up to 2 week spells STWNFI likes the
reassurance of maintenance cover.

Getting a plumber out in Dec. was nearly impossible here in
Cumbria, nearly all contacts said 'come back in mid-Jan' so if
that's a problem you need something like the British Gas system
where at least you get a plumber in the next day, even working
Sundays.

Which? did a survey of these maintenance contracts reported in the
Nov. 2016 issue (check public libraries for a copy). Yes, they
make little sense in financial terms, but try saying that to
someone freezing in mid-winter who has trouble getting a service
engineer out. The OP's Gorgi contract didn't compare well.

That's what secondary heating is for, eg a gas wall fire or plug-in
electric. Insurance doesn't provide anything extra over calling a gas
man out, unless you value having your wallet raided. IME again and
again life has been better uninsured. These insurance policies just
don't do the things one otherwise would, like get parts for old
boilers. It's a mug's game.

That may be true in some analysis, but there is a place for them in the
right circumstances.

In the OPs case it sounds like one of the primary requirements is a
simple call out procedure for when he is not there, and peace of mind
for SWMBO that one call is all it takes and someone will turn up next
day without having to do all the donkey work attempting to get a
suitable repairer in at critical times. The cost trade off is likely
secondary.

Another option if you have an old boiler would be to get a new boiler
installed, but retain the old one in the circuit as a backup. It's
not complete redundancy (you could get a fault, such as a burst
pipe, which took the whole system out), but you could have isolation
valves fitted so that such a fault in either boiler could be isolated.
I also fitted isolating valves to the key branches in my heating
system, so I can isolate part of the pipework if it breaks, and keep
the rest running.

In larger premises and those where the heating/hot water is
essential, use of multiple boilers to provide at least some redundancy
is not uncommon. Note that you do need to use them all periodically
to know they are all working, otherwise you risk having one fail, and
finding a backup which hasn't been used for ages also no longer works.

--
Andrew Gabriel
[email address is not usable -- followup in the newsgroup]

In article ,
Bob Eager wrote:
On Thu, 05 Jan 2017 11:16:58 +0000, Dave Plowman (News) wrote:

In article ,
Bob Eager news000neweager.cx wrote:
SWMBO has just been getting quotes for a second car of hers.

Fully comp. was about 3% more than TPF&T.

Now check the price of fully comp with a moderate excess.

It was a moderate excess - £100 I think.

Total? Both voluntary and compulsory? If only 3% more than TPF&T, a
bargain. As most insurance claims are for damage to your own vehicle. And
even one pretty simple repair - like say for a scratched bumper - can cost
more than a year's premium.



-

--
*CAN VEGETARIANS EAT ANIMAL CRACKERS?

Dave Plowman London SW
To e-mail, change noise into sound.

On Thursday, 5 January 2017 14:10:37 UTC, Dave Plowman (News) wrote:
In article ,
Bob Eager wrote:
On Thu, 05 Jan 2017 11:16:58 +0000, Dave Plowman (News) wrote:
In article ,
Bob Eager news000neweager.cx wrote:

SWMBO has just been getting quotes for a second car of hers.

Fully comp. was about 3% more than TPF&T.

Now check the price of fully comp with a moderate excess.

It was a moderate excess - £100 I think.

Total? Both voluntary and compulsory? If only 3% more than TPF&T, a
bargain.

it means the TPFT price was inflated to try to sell the comp cover.

As most insurance claims are for damage to your own vehicle. And
even one pretty simple repair - like say for a scratched bumper - can cost
more than a year's premium.

.... if its paid for by insurance, yes.


NT

In article ,
wrote:
Total? Both voluntary and compulsory? If only 3% more than TPF&T, a
bargain.

it means the TPFT price was inflated to try to sell the comp cover.

As most insurance claims are for damage to your own vehicle. And even
one pretty simple repair - like say for a scratched bumper - can cost
more than a year's premium.

... if its paid for by insurance, yes.

Not much point in having comprehensive cover if you're going to pay for
repairs yourself?

Although many these days have such a high excess, this is what happens in
practice.

--
*PMS jokes aren't funny; period.*

Dave Plowman London SW
To e-mail, change noise into sound.

On Thursday, 5 January 2017 15:02:51 UTC, Dave Plowman (News) wrote:
In article ,
tabbypurr wrote:

Total? Both voluntary and compulsory? If only 3% more than TPF&T, a
bargain.

it means the TPFT price was inflated to try to sell the comp cover.

As most insurance claims are for damage to your own vehicle. And even
one pretty simple repair - like say for a scratched bumper - can cost
more than a year's premium.

... if its paid for by insurance, yes.

Not much point in having comprehensive cover if you're going to pay for
repairs yourself?

Not much point having comprehensive cover full stop. It's odd how many don't understand how insurance works.

And yes, plenty of things are cheaper to sort yourself than make a claim for. DAMHIKT.

Although many these days have such a high excess, this is what happens in
practice.

NT

On Thu, 05 Jan 2017 14:04:24 +0000, Dave Plowman (News) wrote:

In article ,
Bob Eager wrote:
On Thu, 05 Jan 2017 11:16:58 +0000, Dave Plowman (News) wrote:

In article ,
Bob Eager news000neweager.cx wrote:
SWMBO has just been getting quotes for a second car of hers.

Fully comp. was about 3% more than TPF&T.

Now check the price of fully comp with a moderate excess.

It was a moderate excess - £100 I think.

Total? Both voluntary and compulsory? If only 3% more than TPF&T, a
bargain. As most insurance claims are for damage to your own vehicle.
And even one pretty simple repair - like say for a scratched bumper -
can cost more than a year's premium.

I was quite surprised. It's an old vehicle though (2003) so not worth
much. I guess an expensive repair would result in a write-off.

I use the same company. I ordered a new car for delivery 7 December 2015.
Two weeks earlier I did something silly and ended up with an £1800 repair
bill on the previous car. They got it fixed within 10 days, which was
good.

I transferred the insurance to the new car (similar model) with no chnage
in premium. Renewal a month later - still no increase in premium, and NCD
protected.

This year's renewal is about a 0.8% increase.




--
My posts are my copyright and if @diy_forums or Home Owners' Hub
wish to copy them they can pay me £1 a message.
Use the BIG mirror service in the UK: http://www.mirrorservice.org
*lightning surge protection* - a w_tom conductor

On 05/01/17 20:05, wrote:
On Thursday, 5 January 2017 15:02:51 UTC, Dave Plowman (News)
wrote:
In article
,
tabbypurr wrote:

Total? Both voluntary and compulsory? If only 3% more than
TPF&T, a bargain.

it means the TPFT price was inflated to try to sell the comp
cover.

As most insurance claims are for damage to your own vehicle.
And even one pretty simple repair - like say for a scratched
bumper - can cost more than a year's premium.

... if its paid for by insurance, yes.

Not much point in having comprehensive cover if you're going to pay
for repairs yourself?

Not much point having comprehensive cover full stop. It's odd how
many don't understand how insurance works.

Well TPF&T is barely any cheaper than comprehensive, because the main
claim costs are not repairing/replaing the car, but the massive legal
claims for whiplash from the chancer who reversed into you.

And if you think a total writeoff of a £20,000+ car is something you can
just write a cheque for, be my guest.

And yes, plenty of things are cheaper to sort yourself than make a
claim for. DAMHIKT.

Although many these days have such a high excess, this is what
happens in practice.

NT