Certi Boiler Cover Review
Certi (certi.uk) is a budget boiler and home-emergency cover provider selling plans from around £3.72 a month ("13p a day"). Crucially, Certi cover is a service/maintenance contract, not FCA-regulated insurance, so it carries no FSCS or Financial Ombudsman protection. Independent review scores are poor, so it warrants careful reading before you commit.
Overview
Certi is a UK boiler and home-emergency cover brand marketed at certi.uk, pitched on low headline pricing (from about £3.72/month, billed as "from 13p a day"). Its range runs from an entry-level Value+/Economical boiler plan up to fuller Home Plans (e.g. Home Plan 100 and Home Plan 200) spanning the boiler, gas pipes, central heating and wider home emergencies, with a 24/7 claims line and a nationwide network of Gas Safe registered engineers. Home plans are advertised with a free annual boiler service, health check and carbon monoxide alarm test.
Importantly, Certi describes its products as home-emergency service contracts rather than insurance. That means the cover is NOT FCA-regulated and is not backed by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service. Cover is aimed at natural-gas boilers in mainland-UK homes that are owned and occupied by you, your family or a tenant with no business use; the headline products are not focused on oil or LPG. Always confirm current terms, fuel eligibility and pricing on Certi's own site, as last checked June 2026.
Independent reviews
Independent feedback on Certi is mixed-to-poor, and the figures we found conflicted (Trustpilot has shown both around 1.4 and around 1.9 out of 5), so rather than print a score that may be out of date we link you straight to the live profile. There are also signs of past corporate restructuring, so check who currently underwrites and administers the plan before buying. Check Certi's reviews on Trustpilot ↗
What customers say
Independent sentiment is markedly negative: Certi's Trustpilot score sits around 1.4/5, with recurring complaints about declined claims, contact difficulties and billing/price-increase issues, alongside a smaller set of positive experiences where repairs were completed promptly.
What customers like
- The very low headline price (from around 13p a day) appeals to budget-conscious customers
- Some customers report a smooth experience when an engineer does attend and completes a repair
- 24/7 claims line and inclusion of an annual boiler service / CO test on home plans are seen as useful when delivered
- A minority of reviewers describe polite call-handling and quick sign-up
Common complaints
- Recurring reports of claims being declined or disputed, including arguments over what counts as a covered fault
- Complaints about poor or no follow-through on the promised annual boiler service and missing service certificates
- Difficulty contacting the company, unanswered calls and slow or no response to claims
- Billing grievances: price rises without clear notice (e.g. reports of monthly cost jumping substantially), continued payment attempts after cancellation, and cancellation fees
- Concerns that the product is an unregulated plan with limited recourse, with some customers escalating to Trading Standards
Plans & prices
| Plan | What it covers | From |
|---|---|---|
| Entry boiler cover (Value+ / Economical) | Repairs to your natural-gas boiler and controls, with Gas Safe engineers, parts and labour. 14-day initial waiting period; excess options of £0/£50/£95 (lower excess costs more per month) and a compulsory £50 excess on boilers over 10 years old. | From ~£3.72/month (advertised "from 13p a day"); confirm on provider's site |
| Home Plan 100 | Boiler and gas-pipe cover with Gas Safe engineers; includes a free annual boiler service. Repairs advertised up to a set claim limit (e.g. around £2,000). | Indicatively from ~£13.50/month; confirm on provider's site |
| Home Plan 200 | Adds central-heating system cover (e.g. radiators, pumps, valves) to boiler cover, with a free annual boiler service. Fuller Home/landlord plans can extend to plumbing, drains and electrics. | Indicatively from ~£12.80/month (higher tiers cost more); confirm on provider's site |
Prices are indicative and were last checked June 2026. Certi markets cover "from 13p a day" (about £3.72/month) for its entry boiler plan, while Home Plan tiers were advertised from roughly £12.80–£13.50/month; the actual price depends on the plan, boiler age, excess and options chosen. Note the excess options (£0/£50/£95) and a compulsory £50 excess on boilers over 10 years old, plus a 14-day no-claims waiting period at the start of cover. Always confirm the current price, excess and exclusions on certi.uk before buying.
Pros & watch-outs
Pros
- Very low entry-level pricing (from ~£3.72/month)
- Gas Safe registered engineers for all gas work
- 24/7 claims line and 365-day availability advertised
- Home plans include a free annual boiler service, health check and CO alarm test
- Cover available for boilers of any age (subject to excess, including a compulsory £50 excess over 10 years)
Watch-outs
- Not FCA-regulated insurance — no FSCS protection and no automatic Financial Ombudsman route
- Poor independent review score (Trustpilot ~1.4/5) with frequent claim-handling and contact complaints
- 14-day waiting period before you can claim, plus a compulsory £50 excess on boilers over 10 years old (excess options of £0/£50/£95)
- Reports of price increases and payment/cancellation difficulties — read the full terms and cancellation rights
- Brand has traded through several now-dissolved entities; confirm who you are actually contracting with
- Cover is for owner-occupied/tenanted natural-gas homes with no business use; oil/LPG are not the focus of the headline products
Who is it for?
Certi may appeal to homeowners chasing the lowest possible monthly headline price for boiler cover and who are comfortable with a service plan rather than regulated insurance.
It is less suitable for anyone who values FCA protection (FSCS and Financial Ombudsman recourse) or households with oil/LPG heating.
Given the low independent ratings and recurring claim-handling complaints, compare Certi carefully against FCA-regulated alternatives and read the full terms and recent reviews before committing.
For how to weigh insurance vs a service plan, excess levels and what to check before buying, see our boiler cover guides. Oil, LPG or electric boiler, or letting property? Compare options in our landlord and provider sections.
Is Certi boiler cover insurance?
No. Certi markets its products as home-emergency service/maintenance contracts, not insurance. That means they are not FCA-regulated and do not carry FSCS protection or an automatic right to complain to the Financial Ombudsman Service. Check the current terms on certi.uk.
How much does Certi cost?
Entry-level boiler cover is advertised from around £3.72 a month ("from 13p a day"), with Home Plan tiers advertised from roughly £12.80–£13.50 a month for boiler/heating cover. Prices are indicative; excess options of £0/£50/£95 apply and there is a compulsory £50 excess on boilers over 10 years old. Confirm current pricing on the provider's site (checked June 2026).
What does Certi cover and which fuels?
Plans range from boiler-only repairs (Value+/Home Plan 100) up to fuller cover including central heating, plumbing, drains and electrics (Home Plan 200 and landlord plans). Cover is aimed at mainland-UK homes with a natural-gas boiler that are owned and occupied by you, your family or a tenant with no business use. Oil and LPG are not the focus of the headline products.
Is there a waiting period or excess?
Yes. There is a 14-day waiting period at the start of cover before you can claim, and you choose an excess of £0, £50 or £95 (a lower excess means a higher monthly price). A compulsory £50 excess still applies to faults on boilers over 10 years old even on the £0 option. Other exclusions may apply — read the plan terms.
What are Certi's reviews like?
Independent feedback is poor: Certi's Trustpilot TrustScore was around 1.4 out of 5 from roughly 711 reviews when checked in June 2026, with recurring complaints about declined claims, contact difficulties and billing/price increases. A minority of customers report good experiences when an engineer attends. Check Trustpilot and Google for the latest.
Use our tool to compare boiler cover and find a plan that fits your boiler and your budget.
Compare Certi against the panel
See how Certi's price and cover stack up against other providers on our panel, then buy direct on the provider's own site. Information, not advice — a selected panel, not the whole market.
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