How Much Is Boiler Cover Per Month? UK Prices Compared (2026)

How much is boiler cover per month?

For a quick answer: boiler-only cover typically costs £8–£14 a month, while full home-emergency cover runs £20–£40 a month. Budget plans are advertised from around £4 a month, and premium plans from big-name brands can top £30.

Most homeowners with a reasonably modern boiler pay somewhere around £10–£13 a month for a sensible mid-range plan. That usually buys breakdown repairs, parts and labour, an annual service and a 24/7 helpline.

Boiler cover is a way to spread the cost of repairs, not a guarantee nothing will go wrong. Before you choose a level, it helps to understand the main types of boiler cover and what each one actually pays out for.

Average boiler cover cost per month in 2026

There's a wide spread in the UK market. At the cheap end, plans are advertised from roughly £4 a month; typical boiler-only cover sits around £8–£14; and premium, fully loaded plans reach £30–£40+.

Across all cover types and providers, a typical mid-range policy lands somewhere around £10–£22 a month (very roughly £120–£265 a year). Boiler-only cover pulls the figure down; full home-emergency plans push it up. There's no single official "average", so treat any headline average as indicative only.

• Cheapest advertised: from ~£4/mo (basic, often higher excess, age limits, longer exclusion periods)
• Typical boiler-only: £8–£14/mo
• Typical mid-range across plans: ~£10–£22/mo
• Comprehensive (boiler + heating + plumbing + electrics + emergencies): £20–£40/mo

One quick framing note: paying monthly is convenient, but many providers charge slightly more over the year for monthly instalments than for paying annually up front. If you can, compare the total annual cost including any excess rather than just the headline monthly figure.

Monthly price by cover type

The more your plan covers, the more you pay. Here's how the monthly cost typically stacks up by level, with what you usually get. Figures are indicative UK 2026 ranges.

Cover type	Typical £/month	What you usually get
Boiler only	£8–£14	Breakdown repairs to the boiler and controls, parts and labour, usually an annual service
Boiler + central heating	£12–£20	The above plus radiators, pipework, pumps and heating controls
Boiler + heating + plumbing + electrics	£18–£30	Adds internal plumbing/drains and home electrics
Full home emergency	£20–£40	Everything above plus emergencies like blockages, leaks and loss of heating, often with overnight provisions

Cheaper plans aren't worse by definition — they're just narrower. If you only want peace of mind on the boiler itself, boiler-only is usually all you need. Compare the levels in detail on our types of boiler cover page.

Boiler cover cost per month by provider

Here are indicative 2026 "from" prices for a selected panel of well-known providers — this is not the whole market, and we may earn commission on some links (see the disclosure above). These are starting prices for monthly billing; your actual quote will vary by boiler age, postcode and excess. Prices were last checked in 2026 — always confirm the live price on the provider's own page.

Provider	From £/month	Excess options	Annual service included?	Typical boiler age limit
247 Home Rescue	from ~£8.99	£0 / £45 / £75 / £95	Usually yes	Often no fixed limit (condition-based)
CORGI HomePlan	from ~£7–£15	£0 / £60 / £95	Yes	Commonly up to ~15 yrs
YourRepair	from ~£8–£9	£0 / £60 / £95	Yes	Commonly up to ~15 yrs
Hometree	from £12.95	£0 / £60 / £95	Yes	Commonly up to ~15 yrs
HomeServe (gas boiler & heating)	varies by offer (renewal ~£26/mo)	£60 / £100	Yes	Around 7–15 yrs
British Gas HomeCare	from ~£20–£24+	£0 / £60	Yes	No hard age limit (subject to checks)

A few honest caveats. The very cheapest plans often carry tighter exclusions, longer initial wait periods or higher excess. The premium brands cost more partly for scale and engineer networks. Exact excess tiers and age limits change — confirm them on the provider's own page.

One stands out for renewal honesty: Hometree markets boiler cover from £12.95/mo with no first-year teaser and a promise not to hike prices unfairly at renewal (no-claims renewals capped at inflation), plus a price-match on like-for-like British Gas and HomeServe renewal quotes. See our wider pick of the best boiler cover for 2026, the detail on British Gas HomeCare plans and cheaper alternatives, and our head-to-head on British Gas vs Hometree.

What affects how much you pay each month

Two homes on the same street can be quoted very different prices. These are the main factors providers price on.

• Boiler age: most plans cover boilers up to around 7–15 years old; older units cost more or may be declined. If yours is ageing, read our guide to boiler cover for older boilers.
• Excess you choose: a higher per-claim excess (e.g. £95 vs £0) lowers your monthly premium.
• Cover tier: boiler-only is cheapest; adding heating, plumbing, drains and electrics adds a few pounds a month each.
• Property type: landlord and let-property cover usually costs more than owner-occupier.
• Annual service inclusion: plans that bundle a service tend to cost a little more but save you a separate annual service bill.
• Location: your postcode affects engineer call-out costs and therefore your premium.

How excess changes your monthly price

Excess is the amount you pay towards each repair. Common tiers are £0, £60 and £95/£100. The trade-off is simple: a higher excess means a lower monthly premium, but more out of pocket when you actually claim.

Here's a worked example on a typical mid-range plan (illustrative figures only — your real prices will differ):

Excess	Roughly £/month	You pay per claim	Best if…
£0	~£14–£16	£0	You'd rather pay more monthly and nothing at claim time
£60	~£11–£13	£60	You want a middle ground
£95	~£9–£11	£95	You rarely claim and want the lowest monthly price

Rule of thumb: if you expect to claim rarely, a higher excess usually works out cheaper over the year. If you'd struggle to find £95 in an emergency, a £0 excess buys certainty.

The first-year teaser trap — why your monthly price can jump at renewal

Some providers advertise eye-catching introductory deals — for example a heavily discounted first year. The catch is what happens at renewal.

With one widely used HomeServe gas boiler and central heating plan, the renewal price for a claim-free customer is around £26.19 a month (about £314 a year) — substantially more than an introductory offer. The headline gets you in; the renewal is where the real price lives. (Figure last checked in 2026; confirm the current renewal price with the provider.)

This is sometimes called "price-walking" — quietly nudging loyal customers' renewals upward year after year. It's why the cheapest first-year deal is rarely the cheapest over three years.

How to avoid the renewal cliff:

• Check the renewal price, not just the first-year teaser, before you sign up.
• Diarise your renewal date and re-shop a month before it.
• Favour providers with a no-unfair-hikes promise or a published renewal price (Hometree's capped-renewal, price-match model is one example).
• Don't auto-renew on autopilot — that's exactly what price-walking relies on.

Is it cheaper to self-insure?

Self-insuring means skipping cover and paying for repairs as they come — ideally from a dedicated savings pot. Whether it's cheaper depends on how often your boiler actually breaks down, and this is general information rather than a recommendation for your situation.

The maths: cover at £12/mo is £144 a year. An emergency boiler repair commonly costs around £250–£600 (sometimes more out of hours). So one bad year can equal two to four years of premiums.

But a fan is around £230, a pump up to £300, a heat exchanger £400+, and a full replacement runs £1,500–£3,000. See real figures on our boiler repair cost page.

• Cover tends to win if: your boiler is older, you'd struggle to fund a sudden £400+ bill, or you value predictable monthly costs and a service included.
• Self-insuring tends to win if: your boiler is newish and reliable, you're disciplined about saving, and you'd rather keep the float than pay premiums.

For a fuller breakdown of the decision, see whether boiler cover is worth it.

How to get cheaper boiler cover per month

You can usually trim a few pounds a month without dropping protection that matters.

• Raise your excess if you can comfortably cover it at claim time.
• Drop add-ons you don't need — if your plumbing and electrics are sound, boiler-only may be plenty.
• Pay annually, not monthly, where the yearly price is lower than 12 instalments.
• Switch at renewal rather than auto-renewing — loyalty rarely pays.
• Bundle heating, plumbing and emergencies if you'd buy them separately anyway.

For more tactics and the cheapest panels we've found, see how to find genuinely cheap boiler cover.

Boiler cover vs home emergency vs warranty — what you're actually paying for

These three get muddled, but you pay for different things.

• Boiler cover: repairs to your boiler (and optionally heating) when it breaks down. The core product for most homeowners.
• Home emergency cover: broader — covers sudden emergencies like burst pipes, blocked drains, total loss of heating, sometimes roof or security. Often sold as the top tier of a boiler plan.
• Manufacturer's warranty: covers faulty parts on a new boiler for a fixed term (often 5–10+ years). It typically won't cover wear-and-tear breakdowns, your wider heating system, or call-outs the way cover does.

A new boiler under warranty may not need separate cover yet; an older out-of-warranty boiler is where cover earns its keep. We unpack the differences in boiler cover vs home emergency insurance vs warranty.

This article is general information, not financial or gas-safety advice. We compare a selected panel of providers, not the whole market, and may earn a commission if you buy through our links. Always have gas appliances checked and repaired by a Gas Safe registered engineer; in a gas emergency call 0800 111 999. Prices are indicative UK guides for 2026 — confirm current prices on the provider's own site.