I don¢t agree at all, insurers are looking to cover the risk involved over the next year. A 15 year old conventional B/F boiler probable only has a gas valve and a thermocouple that are likely to fail. A 5 year old condenser will likely have fan, gas valve, thermistor, flow sensor, ignition electrode, flame detector, fan stat, safety stat, and probably at least two PCBs. We will have to wait a few years to see if current combi that everyone seem to be buying are as reliable as you think, but with ever more bits inside to go wrong I cant see it.