The Link Between Heating Maintenance and Insurance Premiums

For Facilities Managers and Property Managers, heating systems are often seen simply as an operational expense. But what many don’t realise is that the way you maintain your heating infrastructure can have a direct impact on your insurance premiums.

A poorly maintained boiler or plant room doesn’t just increase the risk of breakdown — it also raises red flags for insurers. And that can mean higher premiums, reduced coverage, or even rejected claims.

Insurance companies operate on risk. Heating systems that are:

• Old or poorly maintained → higher likelihood of breakdowns, leaks, or gas-related incidents.
• Non-compliant → failing to meet gas safety and boiler inspection requirements increases liability.
• Neglected → insurers see lack of maintenance records as unmanaged risk.

For insurers, a badly kept heating system equals higher risk of costly claims — from burst pipes to fire hazards.

When assessing risk and setting premiums, insurers often ask:

• Do you have a valid Gas Safety Certificate (CP12) for your properties?
• Is there a maintenance schedule for boilers, HIUs, and plant rooms?
• Can you provide service records for the last 12 months?
• Are there CCTV surveys or inspection reports on file for high-risk systems?

The more evidence you can provide of proactive maintenance, the better positioned you are to negotiate lower premiums.

Skipping routine boiler servicing or delaying repairs may save money short-term, but it usually backfires. Consequences include:

• Higher premiums: Insurers charge more if they see risk.
• Policy exclusions: Some insurers refuse to cover damage caused by unmaintained heating systems.
• Rejected claims: If you can’t prove proper maintenance, a claim may be denied outright.
• Emergency costs: Unplanned breakdowns are always more expensive.

• Regular servicing: Annual boiler servicing and plant room checks reduce breakdown risk.
• Compliance documentation: CP12s, service logs, and inspection reports show insurers you’re managing risk.
• Predictive repairs: Fixing issues before they escalate reduces the chance of major claims.
• Specialist partnerships: Working with accredited commercial heating contractors signals professionalism to insurers.

The smartest Facilities Managers use heating maintenance not just to protect their buildings, but to negotiate insurance premiums. By presenting service history, inspection reports, and compliance documentation, you strengthen your case for reduced premiums — turning maintenance from a cost into a financial advantage.

Insurance companies reward risk reduction. By prioritising heating maintenance and keeping thorough records, Facilities Managers and Property Owners can not only extend the life of their systems, but also cut insurance premiums and avoid rejected claims.

Book your annual heating service with Pleasant Plumbers today and protect both your properties and your premiums.

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