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Churchill Boiler Cover Review: Pro's & Con's

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Churchill Boiler Cover is an essential component of landlord insurance, providing protection and peace of mind for property owners. As part of the buildings cover, it ensures that landlords are not caught off guard by unexpected boiler breakdowns and the costs associated with them. With a £200 excess, this cover excludes servicing and wear and tear, but remains a crucial aspect of comprehensive landlord insurance.

In addition to boiler cover, Churchill also offers other valuable optional extras for both home insurance and landlord insurance, such as accidental damage cover and public liability policies. Landlords can choose between £2 million, £5 million or £10 million worth of public liability coverage to adequately protect their investments.

Moreover, Churchill provides a 24-hour home emergency helpline for clients experiencing urgent issues with their properties. This service guarantees customers expert advice and swift assistance from authorised repairers, ensuring that emergencies are resolved as soon as possible. With up to £500 per call out for emergency repairs, call-out charges, labour and new parts, homeowners and landlords can have confidence in their insurance policy's ability to safeguard their properties.

Churchill Boiler Cover Explained

Churchill Insurance offers a comprehensive Boiler Cover as part of their landlord insurance package. This insurance product will add an extra layer of protection for your boiler, safeguarding you against unexpected breakdowns and repair costs.

Included as a standard part of the Buildings Insurance, Churchill's Boiler Cover provides peace of mind to landlords by mitigating financial risks associated with boiler issues. However, it's important to note that this insurance coverage excludes boiler servicing and wear and tear, and a £200 excess applies.

Landlords can also benefit from the generous Public Liability Cover that comes with Churchill's landlord insurance policies. Starting at £2 million, policyholders can choose to increase this amount up to £5 million or £10 million. Additionally, floor coverings are insured for up to £5,000, ensuring your property remains well-maintained and protected.

For homeowners, Churchill offers a Home Emergency Cover as an optional extra. This cover provides up to £500 per call-out for emergency repairs, call-out charges, labour, and new parts. The 24-hour emergency helpline connects policyholders with authorised repairers, ensuring prompt assistance in times of need.

To sum up, Churchill's Boiler Cover as part of their landlord insurance, and Home Emergency Cover for homeowners, offers valuable protection against unexpected boiler issues. Both policies are designed to provide peace of mind and financial security, making them a worthwhile investment for property owners and landlords.

Key Features of Churchill Boiler Cover

Churchill offers a comprehensive boiler cover as part of their home insurance policies, ensuring that homeowners and landlords can have peace of mind in the event of a boiler breakdown or malfunction. The following are some key features of Churchill's boiler cover:

Emergency Assistance: In the event of a boiler breakdown or failure, Churchill provides up to £500 per call out for emergency repairs, call-out charges, labour, and new parts as part of their Home Emergency cover.

Included with Buildings Cover: For landlords, boiler cover is included as a standard feature in the buildings cover. However, it's essential to note that this does not include servicing and wear and tear, and a £200 excess applies.

Repairs and Replacements: If Churchill determines that your boiler is beyond economic repair, they will cover the cost of emergency assistance as outlined in their Home Plus - Home Insurance policy.

Heating System Coverage: Churchill's boiler cover extends to the main source of heating in your home, ensuring that homeowners have support and coverage in case of heating system failures.

With these key features, Churchill's boiler cover can offer homeowners and landlords peace of mind and protection in the event of boiler issues, malfunctions, or emergencies. Keep in mind that it's essential to review your specific policy details and documents for accurate information about your coverage and exclusions.

Cost of Churchill Boiler Cover

Churchill Insurance offers boiler cover as a standard inclusion in their Landlord Insurance building cover policy. It is important for landlords to be aware of the costs associated with this coverage, as well as any additional expenses that may be necessary.

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The policy provides boiler cover that excludes servicing and wear and tear. There is a £200 excess charge applicable for any boiler-related claims. However, this policy primarily caters to landlords who require insurance for their investment properties and not individual homeowners seeking boiler cover.

For homeowners, Churchill Insurance offers Home Emergency Cover, which can be added to existing home insurance policies. This optional extra covers call-out charges, labour, new parts and emergency repairs up to £500 per call out.

To determine the exact cost of adding Home Emergency Cover to your Churchill home insurance policy, it is essential to request a personalised quote. The overall premium will depend on factors such as the size, location and age of the property, as well as the level of buildings and contents coverage.

In conclusion, it's important to understand the specific costs and coverages associated with Churchill boiler cover, whether you require it for your investment property as a landlord or a homeowner. Always request a personalised quote to ensure you have a clear understanding of the costs involved in adding a boiler cover or home emergency cover to your policy.

Making a Claim Against Churchill Boiler Cover

If you need to make a claim against your Churchill boiler cover, the process is straightforward and hassle-free. Churchill offers different ways to initiate a claim, depending on your preferred method.

One option is to make a home claim online. This convenient method allows you to provide details about the incident and what you're claiming for without having to call up their claims team. Alternatively, you can contact their claims team directly through the phone if you'd prefer a more personal approach.

For those who have Home Emergency cover with Churchill, you can also register your home emergency online. Home Emergency cover provides protection for up to £500 per callout, including emergency repairs, call-out charges, labour, and new parts. This service comes with a 24-hour emergency helpline, where expert advisors will contact an authorised repairer to get your boiler issue resolved as quickly as possible.

With Churchill's comprehensive boiler cover, you can rest assured that your boiler is protected against unexpected breakdowns and emergencies. The claims process is designed to be as efficient and stress-free as possible, ensuring that you get your boiler up and running quickly and with minimal inconvenience.

How to Purchase Churchill Boiler Cover

Churchill Boiler Cover is a valuable addition to many home insurance policies, providing peace of mind to homeowners and landlords in case of unexpected boiler issues. To purchase this boiler cover, follow these simple steps:

  1. Visit Churchill's website: Go to the Churchill Landlord Insurance webpage or the Home Emergency Cover page, depending on your needs.
  2. Get a quote: Click on the "Get a quote" button and provide the necessary information about your property, such as the type and location of the building, along with any additional details that the online form may require.
  3. Select Boiler Cover: While customising your insurance policy, make sure to choose the Boiler Cover option. For Landlord Insurance policies, the Boiler Cover is included as a standard part of the buildings cover.
  4. Review your policy: Carefully review the details and terms of the Boiler Cover, including the excess amount (which is £200 for Landlord Insurance) and any possible exclusions, such as servicing and wear and tear.
  5. Complete the payment process: Once you have finalised your policy and added the Boiler Cover, proceed to the payment section to finalise your purchase.

After successfully purchasing Churchill Boiler Cover, it's essential to keep your policy documents and contacts handy in case of any emergency or claim. Churchill's swift 24-hour emergency helpline, along with their expert team, will ensure necessary support and guidance throughout the repair process.

Comparing Churchill Boiler Cover to Other Providers

Churchill is a well-known insurance provider in the UK, offering comprehensive boiler cover options to customers. It is important to compare their boiler cover with other providers to make an informed decision.

Pricing and Features

Churchill's boiler cover provides a range of benefits, including unlimited call-outs and an annual boiler service. Their prices can be compared to other providers such as EDF, which offers a BoilerCare Gold plan with the first three months at half price and a £95 excess. Other options include cover starting at £3.50 per month and potentially higher-priced plans with additional features.

Types of Boiler Cover

Customers need to consider the type of boiler cover they require before choosing a provider. Available options typically include:

  • Boiler breakdown cover
  • Full central heating cover
  • Full central heating cover plus drainage and electrical wiring systems

Churchill and other providers may offer different cover types and levels, so it is critical to identify which aspects are most important for your needs.

Customer Service and Reputation

Trust and reliability play a significant role in selecting a boiler cover provider. Ensure that the company has positive reviews and a strong reputation for customer service. Comparing the quality of service offered by Churchill to other providers, such as those featured in Which? recommendations, will help ensure that the chosen provider is both dependable and efficient.

In summary, when comparing Churchill boiler cover with other providers, it is essential to consider a range of factors such as pricing, features, types of cover available, and the company's reputation for customer service. By evaluating these aspects, customers can make an informed decision and choose the best boiler cover for their needs.

Customer Reviews of Churchill Boiler Cover

Churchill is known for providing a range of insurance products, including boiler cover. Customers have had varying experiences with their boiler cover service.

One positive review on Trustpilot highlights the reasonable pricing and efficient paperwork delivery. The customer mentioned that Churchill's boiler cover was the best price they could find after two days of searching online. However, they also noted some confusion regarding pricing discrepancies based on the insurance start date.

It is essential for potential customers to understand what the boiler cover policy includes, such as parts, labour, and excess charges. While specific customer reviews of Churchill's boiler cover may be limited, it is advised to consider general guidelines when selecting a boiler cover provider.

When searching for a boiler cover plan, it is important to compare the offers from different providers.

Lastly, keep in mind that customer reviews can provide useful insights, but personal experiences may vary. Always validate the information with reputable sources and consider individual preferences and requirements when choosing a boiler cover provider.


Churchill offers a boiler cover service that provides a layer of protection for your boiler and central heating system. The cover may be included as part of their landlord insurance or home emergency cover, depending on the type of service you require.

Under their boiler cover policy, Churchill offers up to £500 per call out, covering emergency repairs, call-out charges, labour, and new parts. Their 24-hour emergency helpline puts you in contact with expert advisors who will coordinate with authorised repairers to help you get your system back up and running as soon as possible.

It is important to note that Churchill's boiler cover does not include annual servicing, and the boiler is considered a part of the building. Therefore, one should have buildings insurance as part of their coverage. Buildings insurance typically covers your home and its walls, roofs, drives, patios, and even permanent fixtures like bathroom fittings and kitchen units.

In summary, Churchill's boiler cover offers a valuable service to protect your boiler and central heating system from unexpected issues. It is important to understand the terms of your coverage and ensure that you have the appropriate level of insurance. By doing so, you can maintain peace of mind knowing that you are covered in case of unexpected boiler breakdowns or issues.

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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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