Compare The Best Boiler Cover and Heating Breakdown Insurance

Looking for the best boiler cover deals? We've analysed over 50 boiler care plans and chosen the cover that offers you the best protection at the best price, making sure we only recommend companies with a 4.5+ Trustpilot rating.

Our Top-pick boiler Cover policies

Provider

(policy name)

Monthly cost

(total per year)

Excess per claim

Claim limits/details

CHEAP BOILER BREAKDOWN COVER WITH A HIGHER EXCESS

Boiler Care

£8.99

£107.88/year

£95.00

No Limit

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Boiler

£8.00

£96.00/year

£95.00

No Limit

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CHEAP BOILER COVER WITH NO EXCESS

Heating Care

£10.99

£131.88/year

£0.00

No Limit

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Your Repair - Heating - £0 Excess

£18.95

£227.40/year

£0.00

No Limit

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HOMEOWNER FULL HOME & CENTRAL HEATING COVER

Home Care Plus

£13.99.99

£208.89/year

£95.00

No Limit

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Home Plus

£15.00

£180/year

£95.00

No Limit

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LANDLORD BOILER COVER

Landlord Boiler Care

£10.99

£131.88/year

£95.00

No Limit

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Your Repair - Boiler Cover - £99 Excess

£8.00

£96.00/year

£99.00

No Limit

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LANDLORD FULL HOME & CENTRAL HEATING COVER

Plus Heat - Premium - £0 Excess

£24.79

£297.48/year

£0.00

No Limit

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Your Repair - Home Plus - £0 Excess

£33.00

£396.00/year

£0.00

No Limit

Get Deals

Prices correct as of 14 September 2024. (1) Discounts are sometimes available for paying the annual premium in full.

Warning. Most policies give discounted pricing for the first year. They might also offer new-customer perks, such as a free boiler service. At renewal, prices will usually increase and and some perks will disappear, so ALWAYS stick a date in your diary to shop around for a better deal before the policy auto-renews.

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Boiler Cover: Essential Protection for Your Home Heating System

Sick of boiler breakdowns ruining your day and your bank balance? Boiler cover is a type of insurance that can help protect your home from the cost of boiler repairs or replacements. By getting boiler cover you’ll never be caught out by the cost of boiler failures.

There are different types of boiler cover available, each with different benefits and levels of cover. Some include annual servicing to keep your boiler in top condition and extend its life. Others have a 24/7 helpline so you can be covered if your boiler breaks and it's an emergency. Compare deals from different providers to find the one that suits you and your budget.

Understanding Boiler Cover

Boiler cover protects you and your landlord from unexpected boiler and heating system problems. It gives you peace of mind knowing help is there for repairs and maintenance without the big bills.

What is Boiler Cover?

Boiler cover is a type of insurance policy that covers boilers and sometimes central heating systems. You pay a monthly or annual fee and your boiler will be serviced regularly and repaired quickly if it breaks.

This may include an annual boiler service, which helps keep it efficient and safe. The cover can vary, sometimes just the boiler and sometimes the whole heating system and other home emergency services.

The Importance of Boiler Protection

Boiler protection is important for several reasons. Boilers can break and you’ll have big repair or replacement bills. Having boiler cover means these problems are dealt with quickly and without the surprise bills.

Plus it keeps the boiler running efficiently, reduces energy bills and extends the life of the boiler. It’s also safer as a well serviced boiler is less likely to have a big problem.

Types of Boiler Cover Plans

There are different types of boiler cover plans for different needs and budgets:

Basic Boiler Cover: This covers repairs and annual servicing of the boiler.

Boiler and Central Heating Cover: This covers the whole heating system, including radiators and pipes.

Boiler, Central Heating, and Home Emergency Cover: This is the full works, covers all above plus emergency services like plumbing, electrical wiring and pest control. This is the most expensive but most comprehensive cover.

Landlord Boiler Cover: This boiler cover is for tenanted property and includes a CP12 certificate.

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Boiler Cover Benefits

Boiler cover will protect you from unexpected breakdowns, boiler maintenance and emergency call outs. So your heating system will be working all year round.

Peace of Mind with Comprehensive Cover

Boiler cover gives you peace of mind by covering repairs and maintenance. Many policies will cover the boiler and central heating system. Knowing an engineer will sort it out for you reduces stress. Especially in winter when your heating is essential to stay warm and avoid expensive call outs.

The Convenience of Annual Services

Many boiler cover policies include an annual boiler service. This means the boiler will be working efficiently all year round. Regular boiler maintenance will extend the life of the boiler and spot any problems early.

Having this included in the policy saves time and hassle as you don’t have to book and pay for it separately. The engineer will also visually check any gas appliances in your home, keeping you safe.

Emergency Assistance

Boiler protection is important for several reasons. Boilers can break and you’ll have big repair or replacement bills. Having boiler cover means these problems are dealt with quickly and without the surprise bills.

Plus it keeps the boiler running efficiently, reduces energy bills and extends the life of the boiler. It’s also safer as a well serviced boiler is less likely to have a big problem.

You'll also have access to an emergency helpline if anything goes wrong.

Choosing a Provider

Choosing the right boiler cover provider means looking at the cost, coverage and customer reviews. Compare the market leaders and check out their reputation so you can make an informed decision.

Choosing the Right Boiler Insurance Provider

When choosing a boiler insurance provider look at the cost and what’s included in their policies. Basic boiler cover will cover the boiler and controls. More comprehensive policies will also cover radiator and pipe repairs. Do they include annual servicing in their package?

You should also check if the provider offers flexibility such as monthly payments or discounts for annual payments. For example some providers offer savings if you pay upfront for the year instead of monthly installments. This could be a way to save overall.

The cheapest policies are usually ones that offer cover for domestic gas boilers, which include condensing boilers and combi boilers.

Comparison of Market Leaders

The main players in the boiler cover market are British Gas, Hometree, EDF and YourRepair. Each provider has different plans that vary in cost and what they cover.

British Gas have a range of cover options and include annual boiler servicing in most of their policies. They are a popular choice but can be more expensive than others.

Hometree have affordable options with full cover. They’re known for their clear policies and good customer service.

EDF boiler cover for their energy customers with discounts for combined plans so it’s a cost effective option for EDF energy customers.

YourRepair are praised for their simple and easy to understand policies and competitive pricing.

Provider Reviews and Reputation

Reviews and reputation are key. Websites like Trustpilot and Which? have reviews from real customers.

For example, British Gas gets good marks for customer service but can get criticized for being more expensive.

Hometree and YourRepair get high marks for affordability and clarity of their service agreements.

Researching reviews will highlight potential issues and help you choose a provider whose track record matches your expectations. This will ensure you pick a reliable and good service for your boiler system.

Policy Details

Boiler cover has many legal and compliance bits that every homeowner and landlord should know. Covering the Financial Conduct Authority regulations and consumer rights and refunds is key.

Financial Conduct Authority Regulation

The Financial Conduct Authority (FCA) regulates boiler cover providers. They make sure they operate fairly, look after consumers and maintain high standards.

The FCA requires providers to give clear and accurate information about their policies. This includes coverage limits, exclusions and renewal terms. They must also handle claims fairly and transparently. Following these rules protects consumers from unfair practices.

Homeowners and landlords should check their provider is FCA-authorised. This will help them get a good service and protection from potential problems. Being FCA-authorised means a provider meets the tough standards set by the financial regulator.

Consumer Rights and Refunds

Consumers have specific rights under UK law when buying boiler cover. These rights include the ability to cancel policies within a certain period and get refunds if terms aren’t met.

Under the Consumer Rights Act 2015 consumers can cancel their boiler cover within 14 days of purchase with no penalty. This cooling off period allows them to read the terms and conditions properly.

If a provider doesn’t deliver the service, consumers are entitled to a refund. The process for getting a refund should be in the policy documents. Providers must also deal with complaints quickly and give consumers options for redress.

Knowing these rights means homeowners and landlords can make informed decisions and get the value and protection they deserve.

Extra Cover

Boiler cover can give you peace of mind but sometimes extra cover is a good idea. When to consider extra plans and what extra benefits they can give for full cover is key.

When to get Home Insurance

Home insurance covers more than boiler cover. While boiler cover only covers the boiler and heating system, home insurance covers structural damage and personal belongings.

Get homecare insurance if you want to cover against risks like theft, fire and flooding. It can even cover accidental damage to your property. Having both boiler cover and home insurance gives you full cover and financial security if something goes wrong.

Extra Benefits for Full Cover

Many boiler cover policies offer add-ons for extra cover. This could include emergency services for plumbing, electrical faults and pest control as mentioned in Boiler Care Cover Comparison.

These extra benefits help you keep your home hassle free. Having them all in one policy saves you time and money. And 24/7 support means you get help when you need it, more peace of mind and home comfort.

Maintaining Your Heating System

Regular maintenance ensures your heating system works efficiently, reduces the risk of breakdowns, and extends its lifespan. Key practices include performing routine checks, annual boiler servicing, and addressing any necessary repairs promptly.

The Role of Regular Boiler Maintenance

Regular servicing keeps your boiler in top condition. It includes checking for leaks, checking the flue and ventilation and making sure the system is clean.

Bleeding radiators and checking the boiler pressure are also important. These jobs stop small problems becoming big ones and save you time and money in the long run.

Keeping the system clean and maintained also saves energy and reduces costs and the environmental impact.

Why Annual Boiler Servicing

An annual boiler service is essential for your heating system. This service involves a qualified engineer checking the boiler to make sure it’s safe, efficient and in good working order.

During the service the Gas Safe-registered engineer will check for wear and tear, clean internal components and test for carbon monoxide leaks. They will also check the boiler’s pressure, combustion and safety devices.

A service can identify potential problems before they cause a breakdown so your central heating system is reliable during the winter months. It also meets warranty requirements and extends the life of the boiler.

Repairs and Breakdowns

Despite servicing, repairs and breakdowns can still happen. Fixing these issues as soon as possible is crucial to prevent further damage and get your system running again.

Common problems are faulty thermostats, leaks and pressure issues. These usually need a qualified engineer to diagnose and fix. It’s good to have a boiler cover plan that includes repair and servicing.

A good plan will cover your boiler and heating controls if they break and may include an annual service. Having one will save you time and hassle when things go wrong.

Cost Management

When it comes to boiler cover, cost management is key. This section will help you with evaluating costs, finding the best deals and managing premiums and repair costs.

Boiler Cover Cost

Boiler cover costs vary depending on the level of service and what’s included. Basic plans cover only essential repairs and are cheaper, while comprehensive plans include annual services and extras.

Check what each plan includes. Some plans have hidden charges, like call-out fees, which can add up over time. According to Which?, people spend more on boiler cover than paying for individual repairs.

How to Get the Best Boiler Cover Deal

Comparing multiple providers and their offerings is key to getting the best deal. Companies like Your Repair offer several levels of cover with different services and costs.

Look for discounts or promotional offers when signing up online or switching from another provider. Check if the plan includes an annual boiler service, as this can save you money in the long run. Negotiate with the provider for a better rate or added extras and you might get a cheaper deal.

Managing Repair Costs and Premiums

Unexpected repair costs can be avoided with the right boiler cover plan. Regular maintenance and annual services included in some plans can prevent major breakdowns and long term repair costs. When choosing a plan, choose one that covers parts and labour to avoid surprise bills.

Premiums vary but choosing a higher excess can lower your monthly payments but you’ll pay more out of pocket for repairs. Always review and adjust the cover annually to make sure it’s still right for you without overpaying.

Boiler Cover for Different Needs

Choosing boiler cover will depend on the age of your boiler, whether you own your home or are a landlord and if you want cover for your central heating system and other utilities. Each option has its own pros and cons.

Cover for Older Boilers

Older boilers need more repairs and maintenance. Some providers don’t cover very old models, while others will charge more. If you have an old boiler, you’ll need to find a policy that includes parts and labour. Regular servicing can prevent breakdowns and extend the life of the boiler.

For older boilers, consider policies that cover not just the boiler but also the controls, radiators and pipes. This will cover any linked components.

Homeowners and Landlords

Homeowners need boiler cover that’s comprehensive. This includes annual servicing and prompt repairs so you’re not left waiting in the cold during winter. Some covers also include emergency call-out services, which can be a lifesaver for quick fixes.

Landlords have specific needs due to legal requirements to ensure properties are safe. Boiler cover for landlords includes Gas Safety Certificate checks and the ability to add multiple properties to one contract. This helps with managing costs and keeping tenants safe.

Central Heating and Additional Utilities Cover

Boiler cover can cover more than just the boiler itself and include the entire central heating system. This means the radiators, pipes and even the thermostat could be covered under one plan. Policies that include central heating cover are good for those who want all round protection.

Additional utilities cover can include plumbing, electrics and even drainage. This type of cover will cover other essential home systems so you won’t have to pay out of pocket in case of a breakdown. Good for those who want hassle free protection for multiple home utilities.

Legal and Compliance Considerations

Boiler cover has many legal and compliance bits that every homeowner and landlord should know. Covering the Financial Conduct Authority regulations and consumer rights and refunds is key.

Financial Conduct Authority Regulation

The Financial Conduct Authority (FCA) regulates boiler cover providers. They make sure they operate fairly, look after consumers and maintain high standards.

The FCA requires providers to give clear and accurate information about their policies. This includes coverage limits, exclusions and renewal terms. They must also handle claims fairly and transparently. Following these rules protects consumers from unfair practices.

Homeowners and landlords should check their provider is FCA-authorised. This will help them get a good service and protection from potential problems. Being FCA-authorised means a provider meets the tough standards set by the financial regulator.

Consumer Rights and Refunds

Consumers have specific rights under UK law when buying boiler cover. These rights include the ability to cancel policies within a certain period and get refunds if terms aren’t met.

Under the Consumer Rights Act 2015 consumers can cancel their boiler cover within 14 days of purchase with no penalty. This cooling off period allows them to read the terms and conditions properly.

If a provider doesn’t deliver the service, consumers are entitled to a refund. The process for getting a refund should be in the policy documents. Providers must also deal with complaints quickly and give consumers options for redress.

Knowing these rights means homeowners and landlords can make informed decisions and get the value and protection they deserve.

Extra Cover

Boiler cover can give you peace of mind but sometimes extra cover is a good idea. When to consider extra plans and what extra benefits they can give for full cover is key.

When to get Home Insurance

Home insurance covers more than boiler cover. While boiler cover only covers the boiler and heating system, home insurance covers structural damage and personal belongings.

Get homecare insurance if you want to cover against risks like theft, fire and flooding. It can even cover accidental damage to your property. Having both boiler cover and home insurance gives you full cover and financial security if something goes wrong.

Extra Benefits for Full Cover

Many boiler cover policies offer add-ons for extra cover. This could include emergency services for plumbing, electrical faults and pest control as mentioned in Boiler Care Cover Comparison.

These extra benefits help you keep your home hassle free. Having them all in one policy saves you time and money. And 24/7 support means you get help when you need it, more peace of mind and home comfort.

Frequently asked questions

This section answers common questions about boiler cover, including its benefits, distinctions from home insurance, cost factors, essential inclusions, emergency cover choices, and landlord considerations.

What benefits does subscribing to a boiler cover plan offer?

Subscribing to a boiler cover plan can save homeowners from unexpected repair or replacement costs. Plans often include regular maintenance, central heating repairs and access to qualified engineers, ensuring the boiler operates efficiently.

How is boiler insurance different from home insurance?

Boiler insurance specifically covers the boiler, boiler controls and sometimes the central heating system. Home insurance, on the other hand, provides broader coverage for the entire property, including home electrics, gas supply pipes, water supply pipes, waste pipes, structural damage and personal belongings.

What factors influence the cost of boiler insurance?

The cost of boiler insurance is influenced by factors such as the age and type of the boiler, coverage level, provider, and excess fees. Older boilers or those at higher risk of breakdown may result in higher premiums.

What inclusions should one look for in an adequate boiler cover?

An adequate boiler cover should include regular servicing, repair costs, and replacement parts & labour. It's beneficial if the plan also covers the entire central heating system and offers 24/7 emergency call-outs.

Is emergency cover for boilers a financially prudent choice?

Emergency cover for boilers can be financially beneficial as it provides immediate assistance during breakdowns. This can prevent extensive damage and costly repairs, especially during colder months when heating is crucial.

What considerations are important when choosing boiler cover as a landlord?

Landlords should ensure boiler cover includes legal requirements, such as annual gas safety checks. They should also look for plans that offer quick response times, as tenant comfort and safety are priorities.

What if I move house?

If you move house, you can typically transfer your boiler cover to your new home, or you may need to cancel your current policy and take out a new one. It's important to check the terms and conditions of your specific boiler cover plan for more details.

Do I lose cover if I switch energy suppliers?

No, boiler cover is separate from your energy supplier. You can switch energy suppliers without affecting your boiler cover policy. However, some energy suppliers offer their own boiler cover policies, which you might lose if you switch.

Do HomeCare plans provide unlimited call-outs?

Some policies provided unlimited call-outs from Gas-Safe engineers, however, these are typically more expensive. You should confirm this with your provider.

Do policies include a free boiler replacement?

Some policies offer a free boiler replacement if your boiler is under a certain again and they are unable to fix it. You should check your policy to see if it includes a free or discounted boiler installation.

Is cover provided for LPG & oil boilers?

A lot of policies only include cover for natural gas boilers. If you need cover on an oil or LPG boiler, you should contact the providers.

Can I pay by direct debit?

You can pay for the entire year upfront or in monthly direct debit instalments. Some people find it easier to manage a direct debit commitment to a provider.

Check the type of policy before you buy

There are two types of policies: insurance and service agreements. While policies provide similar coverage, there is a significant difference. The Financial Services Compensation Scheme (FSCS) protects you if your insurer fails. With a service agreement, you have less recourse if the company fails.

Compare The Best Boiler Cover Deals Now

Compare The Best Boiler Cover Deals