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Halifax Boiler Cover Review: Pros, Cons & Deals

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Halifax offers a variety of insurance options, including home and boiler cover options. One of the features associated with Halifax home insurance policies is the Home Emergency cover. This add-on service provides assistance for homeowners in case of emergencies, such as a total electricity supply failure or damage to permanent fixtures in the property.

The Home Emergency cover can be added to a Halifax home insurance policy, providing homeowners with access to a 24-hour helpline that can assist in arranging a tradesperson to come to the residence and carry out repairs up to a value of £1,000 per emergency. Although the home emergency cover does not specifically mention boiler cover, it may provide assistance in the event of certain boiler issues.

It's essential for homeowners to examine the specific terms and conditions of their Halifax policy to understand what is included and excluded from the cover. This knowledge will ensure peace of mind and help identify if additional boiler-specific insurance policies might be required.

Understanding Halifax Boiler Cover

Halifax Home Insurance offers a range of cover options to protect both your home and its contents. One of the key aspects of their Home Insurance is the provision for emergency repairs, which can be valuable in scenarios such as a boiler breakdown or loss of heating.

When opting for Halifax Home Emergency Cover, homeowners can access a 24-hour helpline and obtain assistance in arranging a tradesperson's visit to carry out repairs, up to a value of £1,000 per emergency. This cover can be crucial in the event of a total failure of the electricity supply in your home or the malfunctioning of your boiler or main heating system.

It is important to note, however, that this cover may not be as comprehensive as a dedicated boiler cover plan. While Halifax Home Emergency Cover provides assistance during emergencies, homeowners should ensure that their heating systems are serviced and maintained within the manufacturer's guidelines to prevent issues from arising in the first place.

In summary, Halifax's Home Emergency Cover can offer valuable protection for homeowners when faced with unexpected boiler issues and other home emergencies. However, it is crucial to keep in mind that this coverage is not equivalent to a full boiler maintenance plan, so adhering to manufacturer guidelines on servicing and maintenance remains essential.

Key Features of Halifax Boiler Cover

Halifax Boiler Cover offers homeowners a sense of security and protection against unexpected boiler breakdowns. It is designed to assist customers with the repair or replacement of their home heating systems. Some key features of Halifax Boiler Cover are:

  • 24-hour home emergency helpline: Customers have access to a 24-hour helpline in case of any boiler emergencies. This service provides assistance in arranging a tradesperson to visit the home and carry out repairs up to a value of £1,000 per emergency.
  • Cover for failure of electricity supply: Halifax Boiler Cover extends to providing protection against the total failure of the electricity supply in the home.

However, it is important to note that Halifax Boiler Cover may not have full boiler coverage, with certain limitations such as a financial limit of £250 for the home cover, as mentioned in the Halifax Ultimate Reward discussion.

Homeowners are reminded that their heating systems should be serviced and maintained regularly, following the manufacturer's guidelines, as mentioned in the Halifax Ultimate Reward Current Account guide.

With the features offered by Halifax Boiler Cover, customers can be confident in knowing that their home heating systems have a certain level of protection and assistance available in case of emergencies.

Cost and Pricing Details

When considering Halifax's boiler cover, it's essential to understand the cost and pricing details. Halifax has partnered with Allianz Assistance to provide home emergency cover, which offers protection for certain repairs not covered by your standard home insurance. This cover is available at a competitive price of £47.16 per year or £3.93 per month.

One potential drawback of this home emergency cover is its financial limit. The cover offers a maximum claim value of £250 per instance. This means that if you're faced with a more expensive repair, you might end up bearing the additional cost yourself. It's essential to weigh this aspect when considering the overall value of the plan.

To ensure the best use of the cover, Halifax advises its customers to maintain their heating systems as per the manufacturer's guidelines. This includes performing regular servicing to avoid potential boiler issues and getting the most out of your cover.

Lastly, Halifax aims to offer their home insurance customers simplicity and transparency when it comes to costs. There are no hidden fees, and you can choose your own excess amount, allowing you to customise your cover to your preferences.

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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In summary, Halifax's boiler cover pricing is competitive for its home emergency plan. However, it's crucial to understand the financial limitations and the importance of proper boiler maintenance to make the most out of your investment.

How to Apply

Applying for Halifax boiler cover is a straightforward process. To begin, you will need to visit the Home Emergency Cover section on the Halifax website. This page provides the necessary information about the type of boiler cover they offer and what it includes.

Before applying, it is essential to ensure that your heating system is serviced and maintained within the manufacturer's guidelines. This information can be found in the product detail at Halifax Ultimate Reward Current Account guide.

Once you have confirmed that your heating system meets the requirements, you can proceed with the application process. The application can be completed online or by contacting Halifax directly by phone. They offer a 24/7 emergency helpline, which can be of great assistance, especially when you need immediate support for any boiler-related issues.

During the application procedure, you will have the opportunity to choose your excess amount, which is the amount you agree to pay towards most claims. Selecting a higher excess may result in lower premiums for your cover.

Upon successful completion of the application, you will receive your policy documents, detailing the terms and conditions of your boiler cover. It is advisable to read through these documents carefully to understand the extent of coverage provided and the process to follow in case of any boiler issues.

By following these steps, you can easily apply for Halifax boiler cover and secure peace of mind in knowing that you have reliable financial support for any unexpected boiler repairs or replacements.

Claim Process

The claim process for Halifax boiler cover is designed to be user-friendly and efficient. To initiate the process, customers can make a claim online by signing in to their Online Banking account and following the provided steps.

When making a claim, it is important for customers to review their policy to understand their level of cover and any applicable excess. The excess is the amount that customers must contribute towards the cost of a claim. In some cases, customers might discover that they also have other types of insurance cover with a lower excess, such as gadget or phone insurance.

Halifax provides a 24-hour home emergency helpline that customers can access for assistance, particularly in situations that require immediate attention. With this helpline, customers can arrange for a tradesperson to visit their home and carry out necessary repairs, up to a value of £1,000 per emergency. This service covers numerous situations, including total failure of the electricity supply in the customer's home.

It is worth noting that customers should ensure their heating systems and boilers are serviced and maintained according to the manufacturer's guidelines, as this information might be crucial during the claim process. Moreover, homeowners are advised to take preventive measures and adopt best practices to reduce the likelihood of needing to make a claim in the first place.

In summary, the Halifax boiler cover claim process offers a straightforward, efficient service to support customers in times of need. By making a claim online or using the 24-hour emergency helpline, customers can obtain prompt assistance and access the necessary repair services.

Customer Reviews

Halifax offers boiler cover as a part of their home insurance package, and has received varied responses from their customers.

For instance, one individual reported on the MoneySavingExpert forum that the boiler coverage through Halifax's Ultimate Reward was not comprehensive. They mentioned that the financial limit for home cover is £250 and advised homeowners to service and maintain their heating systems following the manufacturer's guidelines.

On Trustpilot, there are mixed reviews about Halifax's boiler cover and customer service. An example of an unsatisfactory experience involves an elderly customer who faced difficulties when trying to file a claim for a leak in their roof. This case appears to be an exception rather than the norm, but it highlights the importance of understanding the insurance policy and its limitations.

Another Trustpilot review describes a situation where a boiler was condemned during a service, but since the customer didn't use Halifax for the service, their emergency boiler coverage was not applicable. This particular incident underlines the significance of familiarising oneself with the policy conditions and utilising the appropriate services.

In contrast, some customers who purchased Halifax Home Insurance and added the AZP HE 24-hour Emergency Cover were unsatisfied with the service, as their emergency call for assistance wasn't promptly addressed, leaving them without electricity and hot water for an extended period.

As with any insurance product, it's essential to read through the policy details and understand the terms and conditions. In the case of Halifax boiler cover, it's also crucial to evaluate customer reviews and experiences to make an informed decision.

Comparison with Other Boiler Covers

Halifax offers a Home Emergency Cover as part of their home insurance, which includes coverage for boiler breakdowns. The plan provides access to a 24-hour helpline and arranges for a tradesperson to carry out repairs up to £1,000 per emergency. The cover also addresses issues like total failure of the electricity supply in your home.

Comparatively, other providers in the market offer dedicated boiler cover plans.

However, it's important to be aware of potential boiler policy exclusions. Which? advises customers to carefully evaluate boiler cover plans, as certain exclusions and limitations may apply. For example, policies might not cover pre-existing faults, issues due to poor maintenance or lack of servicing, or damage caused by limescale buildup.

In summary:

  • Halifax offers Home Emergency Cover with boiler breakdown coverage.
  • Uswitch enables users to compare different boiler cover deals.
  • MoneySavingExpert provides options for budget-friendly boiler cover deals.
  • Which? reminds customers to consider policy exclusions before purchasing boiler cover.

Each homeowner's needs and preferences may vary, and it's essential to carefully analyse boiler cover options before making a final decision. Consider factors such as cost, level of coverage, and any exclusions when comparing Halifax boiler cover with other offerings.


The Halifax Ultimate Reward current account may offer some home emergency cover, but it doesn't seem to provide full boiler cover. According to the product details, the financial limit is only £250 for the home cover, and it requires that the heating system be serviced and maintained within the manufacturer's guidelines.

For those who would prefer a more comprehensive coverage, Halifax offers Home Emergency Cover as an add-on to their home insurance policies. This particular cover is provided by Allianz Assistance and has an annual cost of £47.16 or a monthly cost of £3.93. It protects homeowners against the cost of repairs which might not normally be covered by home insurance.

When considering boiler cover, it's essential to weigh the financial benefits against the costs. Research suggests that boiler cover is not financially worthwhile for a majority of people year on year. However, some people may still desire such coverage. To choose the best boiler cover, one should always compare various plans and consider if they would like an annual boiler service included, as most policies require this for eligibility.

In summary, while Halifax Ultimate Reward may provide a limited home emergency cover, it does not offer full boiler cover. For those interested in more comprehensive coverage, Halifax has a separate Home Emergency Cover that can be added to their insurance policy. However, it is crucial for homeowners to analyse the cost-effectiveness of boiler cover and compare plans carefully to ensure they select the best option for their needs.

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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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