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Best Boiler Cover: A Comprehensive Guide to Top Choices in the UK

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Boiler cover is an essential consideration for homeowners to protect their heating systems and ensure uninterrupted access to hot water and warmth. It acts as a guarantee, similar to an insurance policy, that offers peace of mind against unexpected breakdowns, costly repairs, and component replacements. With several options available, it is crucial to explore the best boiler cover plans to find one that meets individual needs and budgets.

Selecting the most suitable boiler cover involves considering factors such as the type of boiler, its age, the level of cover required, and any additional features that may be necessary for specific circumstances. Some comprehensive plans cover not only the boiler but also radiators, thermostats, and pipes, providing total protection for the entire heating system.

Comparing different boiler cover plans can save homeowners a significant amount of money, and it is essential to assess each option carefully. When evaluating these covers, homeowners must consider factors such as customer reviews, price, and the reliability of the provider to ensure they choose the best boiler cover plan for their needs.

What is Boiler Cover?

Boiler cover is a type of insurance policy or service agreement that helps you cover the cost of getting your boiler serviced, repaired, or replaced if it breaks down. In return for a monthly or annual fee, it ensures that your boiler remains functional and efficient, providing peace of mind in case of any unforeseen issues.

There are different levels of boiler cover to choose from, depending on your needs and budget. The basic level, known as boiler-only cover, typically offers the cheapest option and focuses on covering the cost of repairs and servicing for the boiler itself. This may include the cost of calling out a gas-safety registered engineer, as well as repairs and replacement parts if needed.

In addition to boiler-only cover, more comprehensive policies may also include coverage for central heating systems, electrical wiring, plumbing, and even pest control. These additional services can provide added protection for your home, ensuring that a range of potential issues are covered under one policy.

It's important to note that boiler cover may not be necessary for everyone, and you should consider factors such as the age and reliability of your boiler, as well as any existing warranties or guarantees, before purchasing a policy. By carefully assessing your own requirements and comparing different boiler cover options, you can select the one that best suits your needs and budget.

Why Do You Need Boiler Cover?

Boiler cover is a type of insurance policy that helps homeowners manage the cost of boiler repairs and maintenance. It is designed to provide a safety net when there is a boiler breakdown, ensuring that the boiler is repaired quickly and efficiently. This article will discuss several reasons why one might need boiler cover.

Firstly, boiler repairs can be expensive, especially if a boiler breaks down unexpectedly. Having a boiler cover policy in place can help to alleviate some of the financial strains associated with boiler repairs, as the policy will cover the cost of calling a gas-safety registered engineer and repairs, depending on the level of cover chosen.

Next, the convenience aspect should be considered. A boiler breakdown can be inconvenient and often requires immediate attention. With boiler cover, homeowners don't have to search for an available engineer; a quick call to the insurance company will result in an engineer being dispatched, often within 24 hours. This can save time and reduce stress during an already stressful situation.

Furthermore, boiler cover can ensure that a homeowner receives regular boiler servicing by a qualified engineer. This helps to maintain the efficiency of the boiler and decreases the likelihood of a breakdown. Keeping your boiler in good condition can help to reduce energy bills.

Finally, some boiler cover policies offer additional benefits, such as emergency assistance, home repair services, or cover for other heating and plumbing appliances. This can provide peace of mind and add value to the policy, making it a sound investment for many homeowners.

In conclusion, boiler cover can provide both financial and practical assistance to homeowners. By helping cover the cost of repairs and maintenance, and ensuring that your boiler remains in good condition, boiler cover is a useful service to consider.

Our Recommended Best Buy

We've extensively reviewed over 30 boiler cover providers and our recommended best buy is YourRepair. Rated 4.3/5 stars on TrustPilot, they are our top pick, offering the best combined value and customer service.

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Comparison of the Top Boiler Cover Providers

British Gas

British Gas offers a range of boiler cover plans suitable for various needs. Their plans include boiler insurance for £3.50 per month with a £99 excess per claim, including a replacement boiler worth up to £750 if required. They also provide a Boiler and Radiator Insurance plan, priced from £5.50 per month over 12 months, with a £99 excess payable for each claim.

The British Gas boiler cover plans include benefits such as an annual boiler service, repair of boiler components, and access to a helpline for customers seeking technical support. With their extensive network of engineers, customers can benefit from prompt service and expert assistance.

Our Recommended Best Buy

We've extensively reviewed over 30 boiler cover providers and our recommended best buy is YourRepair. Rated 4.3/5 stars on TrustPilot, they are our top pick, offering the best combined value and customer service.

Your Repair Logo


Homeserve is another leading provider of boiler cover in the UK. They offer various levels of coverage to accommodate the diverse needs of homeowners. Their standard boiler cover starts at £6.00 per month and covers boiler breakdowns, central heating system repairs, and an annual boiler service to ensure the smooth functioning of the heating system.

Homeserve also has additional plans that offer coverage for other home emergencies, such as plumbing and electrical issues. Their comprehensive plans are designed to provide peace of mind and enable customers to access timely assistance in the event of unexpected boiler issues.


Aviva is a well-known insurance provider that also offers boiler cover to homeowners in the UK. With their Boiler and Heating Cover plan, customers can access the necessary repair services in case of boiler or central heating breakdowns.

The Aviva boiler cover includes important features such as an annual boiler service, a 24/7 helpline, and a fast response time via their network of approved engineers. This ensures that customers receive prompt support, minimising disruption to their daily lives caused by boiler issues.

In conclusion, British Gas, Homeserve, and Aviva are among the top boiler cover providers in the UK, offering various plans and benefits to cater to different homeowner requirements. By comparing their features and pricing, customers can make an informed decision on which provider and plan best suits their needs.

Key Features of Ideal Boiler Cover

When selecting the ideal boiler cover, there are several key features to consider that will provide the best value and peace of mind. In this section, we will discuss three main factors: cost, extent of coverage, and emergency assistance.


The first crucial aspect to look at is the cost of the boiler cover plan. Prices can vary widely depending on the provider and the level of coverage offered. Some affordable options provide basic protection for as low as £2 per month, while more comprehensive plans might cost upwards of £24 per month. Be sure to shop around and get quotes from different providers to find a plan that fits within your budget and offers the desired level of protection.

Extent of Cover

The extent of cover is another vital feature to consider when selecting the best boiler cover. Each plan will differ in the services it includes, such as:

  • Annual boiler service
  • Gas boiler, flue, and controls
  • Central heating system
  • Plumbing and drains
  • Home electrics

It's essential to understand which components are covered in the plan and whether there are any exclusions or limitations. For example, a higher-priced plan may include more extensive central heating coverage, as seen in the £19 per month option offered by HomeTree.

Emergency Assistance

Lastly, the availability of emergency assistance is a crucial factor. In the event of a breakdown or issue, prompt and efficient support is necessary to minimise disruption and ensure your home remains comfortable. Some plans will offer 24/7 call-out assistance, while others may have specific time frames for when help is available. According to Moneysavingexpert, some home contents insurance policies may include a home emergency or boiler cover option, either as standard or a paid-for extra.

In conclusion, when assessing the ideal boiler cover, consider the cost, extent of coverage, and availability of emergency assistance. Be sure to compare different providers and plans to find the one that best suits your specific needs and budget.

Different Types of Boiler Cover

Boiler cover offers financial protection for property owners in case their boiler or central heating system encounters problems or breaks down. There are various types of boiler cover available, and understanding the differences can help you select the plan that best suits your needs.

One common type of boiler cover is the boiler breakdown cover. This cover specifically focuses on the boiler and its integral components. It provides financial support and assistance if your boiler encounters technical issues or fails, ensuring that you can get it repaired or replaced without significant financial strain. Boiler breakdown cover is favoured by many homeowners for its relatively low cost and focused protection on the boiler unit itself.

Another type of boiler cover is full central heating cover. This type of cover extends beyond just the boiler, offering protection for the entire central heating system, including radiators, pipework, and heating controls. Full central heating cover typically has a higher cost compared to boiler breakdown cover, as it insures a broader range of components. Nevertheless, it can be a good option for those who want more comprehensive protection for their property's heating arrangements.

Lastly, some boiler cover plans offer full central heating coverage plus additional property systems. These options not only protect your boiler and central heating system but also the drainage and electrical wiring systems throughout your home. While this type of boiler cover can be more expensive, it provides a more all-encompassing insurance policy for your property's essential systems.

When choosing a boiler cover policy, it's essential to consider factors such as your budget, the age and condition of your boiler, and your desired level of protection. By understanding the different types of boiler cover available, you can make an informed decision that best meets your needs.

Our Recommended Best Buy

We've extensively reviewed over 30 boiler cover providers and our recommended best buy is YourRepair. Rated 4.3/5 stars on TrustPilot, they are our top pick, offering the best combined value and customer service.

Your Repair Logo

How to Choose the Best Boiler Cover

When looking for the best boiler cover, it is essential to consider multiple factors to ensure that you find the right plan to suit your needs and budget. Comparing various boiler cover options can help you save money and avoid being overcharged.

Firstly, examine the extent of the coverage. There are two primary types of boiler breakdown cover: cover for just your boiler and heating controls, and cover for your entire heating system, including hot water. Identify which type of cover best suits your requirements and provides you with peace of mind.

Another crucial aspect to consider is the excess amount. An excess is a fee you will have to pay when you make a claim, and it varies from one provider to another. Aim to find a plan offering a lower excess, as it can make a significant difference in costs when it comes to needing a repair or replacement.

Some boiler cover plans also include a financial contribution towards a new boiler if your current one cannot be repaired. This option can be especially beneficial for those with older boilers, as the likelihood of needing a replacement increases over time.

In addition to the coverage options and costs, pay close attention to the terms and conditions of each plan. Look for any exclusions, limitations, and restrictions. Some policies may impose a waiting period or cap the number of claims you can make within a year.

Finally, it can be worthwhile to read customer reviews and ratings on various boiler cover providers. This step will give you an insight into their service quality and response times, which are crucial factors when dealing with a boiler emergency.

By taking these factors into account, you can confidently select the best boiler cover that meets your needs and offers reliable protection for your heating system.

Understanding the Fine Print of Boiler Cover

When choosing the best boiler cover, it is essential to understand the fine print of each policy as they can differ significantly in what they offer. There are a few key points of comparison that you should consider before making a final decision.

Exclusions: Many boiler cover policies have certain exclusions to their offerings. These can include particular boiler types, older systems, or pre-existing issues. Be sure to check for such exclusions before signing up for a policy to ensure it meets your requirements. This can be identified in the terms and conditions of each plan.

Coverage: Boiler cover can range from just covering the boiler to more comprehensive plans that encompass your whole central heating system and even electrical wiring. When comparing policies, consider the level of coverage you require, taking into account if you need additional protection for components such as flues, radiators, or valves.

Call-out fees: Some boiler cover policies may charge call-out fees for any engineer visit required. These fees can vary, so before purchasing a plan, it is essential to know the potential costs involved and how they might affect your budget.

Price: The cost of boiler cover policies can differ, with some starting at under £2 a month. Although price is a key factor in choosing the right cover, be cautious of policies that seem too good to be true, as they may have hidden fees or lack essential coverage.

To find the best boiler cover policy, take the time to read and understand the fine print to ensure it meets your specific needs. Compare the coverage, exclusions, call-out fees, and prices across different plans to find the most suitable option for your home.

Ways to Reduce Boiler Cover Costs

Regular maintenance is a crucial factor in keeping boiler cover costs low. Ensuring your boiler is in good working order can prevent expensive repairs or replacements. It's essential to book an annual boiler service from a qualified engineer, as this can help detect any potential issues early and avoid unexpected breakdowns.

When looking for a boiler cover plan, don't hesitate to compare different offers. Prices may vary significantly between providers, and certain plans may include additional services or discounts. Be sure to read the fine print and understand what's covered and what's excluded to avoid hidden costs.

Consider the level of cover you need. Comprehensive boiler cover plans may sound appealing, but they might not be necessary for everyone. Basic or mid-level cover options can still provide adequate protection at a more affordable price. Assess your needs and weigh up the benefits against the potential savings before making a decision.

Optimising your boiler's efficiency can also help reduce cover costs, as efficient boilers are less likely to break down. One way to improve efficiency is by adjusting the flow temperature of the water circulating around your central heating system. Many boilers come with a higher default setting than what's needed, so lowering it can lead to better efficiency.

Lastly, maintaining a good relationship with your energy provider can sometimes lead to discounts on boiler cover. Some providers offer reduced prices on boiler plans to their long-term customers, so it's worth checking with your current supplier to see if they have any deals available.

In conclusion, reducing boiler cover costs can be achieved through regular maintenance, comparison shopping, choosing the right level and optimising boiler efficiency. By following these steps, homeowners can save on costs while ensuring their boilers remain in good working order.


In the quest to find the best boiler cover, it is essential to consider various factors, such as cost, coverage, and customer support. Boiler cover plans range from basic policies to comprehensive packages. Recognising the specific needs of your household will enable you to make the most informed decision.

Keeping your boiler well-maintained can minimise the likelihood of breakdowns and reduce the need for costly repairs. Regular servicing and timely replacement of worn-out parts can contribute to the longevity and efficiency of your heating system.

Lastly, it is crucial to read the terms and conditions of each policy carefully, ensuring that you are aware of exclusions and any potential limitations. This diligence will help you avoid disappointment in the event of a claim.

In summary, selecting the best boiler cover requires thorough research, assessment of personal needs, and consideration of available options. By being meticulous in your approach, you can rest assured that you have made the best possible choice for your home's heating system, providing peace of mind and protection against unexpected costs.

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Mark McShane
Head of Content
Mark McShane is not just an expert in solar and heating sectors but a passionate mentor and a go-to guy for everything related to solar and heating technologies. He's the proud owner of Skills Training Group, where he has been sharing his extensive knowledge and shaping professionals to meet the industry's ever-growing demands. Mark has spent years in the field, embracing the latest trends and mastering the cutting-edge technologies in solar and heating. He’s not just about textbooks and theories; he understands the practical aspects, the challenges, and the innovations that are shaping the solar industry. His passion for gas boilers and solar energy is contagious, and he has helped countless individuals, be it fresh faces eager to learn the ropes or seasoned professionals wanting to up their game, to thrive in the dynamic world of solar energy. His approach is friendly, insightful, and incredibly enriching, making him the perfect guide for anyone looking to enhance their skills and make a mark in the solar industry. Whether you’re just starting out in the world of boilers and solar energy or have been around and seen it evolve, reaching out to Mark can open new doors of knowledge and skills for you, enabling you to be a part of the green energy revolution.
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