OVO Energy Boiler Cover Review
OVO Energy, one of the UK's largest energy suppliers, sells FCA-regulated boiler and heating cover (Essentials, Starter and Complete) for mains-gas homes, available with or without an OVO energy tariff, with a selectable £0/£60/£95 excess.
Overview
OVO Energy is one of the UK's biggest domestic energy suppliers and also sells standalone boiler and central-heating cover through its OVO Home Services arm. You do not have to be an OVO energy customer to buy a cover plan, though OVO frequently bundles boiler cover with its fixed energy tariffs and runs promotions offering several months free (currently 3, 4 or 6 months free on Essentials, Starter and Complete respectively). Cover is delivered through a network of Gas Safe registered engineers, with unlimited call-outs, a 24/7 emergency helpline and an annual boiler service included as standard.
Unlike many providers' 'service plans', OVO's boiler cover is sold as FCA-regulated insurance. It is arranged and distributed by OVO Home Services Ltd (FCA firm reference 824122) and underwritten by OVO Insurance Services Ltd, which is regulated by the Guernsey Financial Services Commission. Cover is for mains-gas central-heating boilers only — oil and LPG systems are not eligible. You choose a voluntary excess (£0, £60 or £95) that adjusts the monthly premium; indicative pricing in 2026 runs from £12 a month for Essentials (£95 excess) up to £18 a month for Complete.
Independent ratings
The Trustpilot score shown is for OVO Energy as a whole company (energy supply plus services), not a rating specific to the boiler-cover product, which OVO does not publish as a separate verified score — treat it as an indicator of overall service, not of claims handling. Check Trustpilot and Google directly for the latest figures before deciding. Ratings change over time — check the latest on each platform.
What customers say
Overall sentiment is broadly positive for OVO as a company, with many customers praising quick, competent repairs and the convenience of bundling cover with energy; the recurring negatives are call-wait times, occasional declined claims and renewal price rises.
What customers like
- Fast boiler repairs, with engineers often diagnosing and fixing the fault on the first visit
- Helpful, knowledgeable Gas Safe engineers who keep customers informed during the visit
- Convenience of bundling boiler cover with an OVO energy tariff, plus the free-months and reward-credit promotions
- Included annual boiler service and unlimited call-outs seen as good value
- Generally smooth booking via the app/online and the 24/7 emergency helpline
Common complaints
- Long hold/wait times when phoning the emergency or support line
- Disputes over what is covered — claims or repairs declined on wear-and-tear or 'pre-existing fault' grounds
- Delays getting an engineer booked during peak demand (e.g. cold snaps)
- Price/premium increases at renewal once introductory free months end
- Boiler-cover issues sometimes getting tangled up with wider OVO energy-account or billing problems
Plans & prices
| Plan | What it covers | From |
|---|---|---|
| Essentials Cover | Mains-gas boiler and central-heating cover plus an annual boiler service; unlimited call-outs and a 24/7 emergency helpline. | From £12/month (£95 excess), after 3 months free; higher with a lower excess |
| Starter Cover | Everything in Essentials, plus plumbing and home electrics cover. | From £14/month (£95 excess), after 4 months free |
| Complete Cover | Everything in Starter, plus boiler replacement cover, gas/water supply pipes, internal and external drains, taps and toilets, and a priority helpline. | From £18/month (£95 excess), after 6 months free |
| Annual boiler service (add-on) | Standalone annual Gas Safe boiler service (valued around £84) without full breakdown cover. | Around £7/month / ~£84 a year |
Prices are indicative and last checked June 2026. Your monthly cost depends on the plan, the excess you choose (£0, £60 or £95), boiler age/type and any energy-tariff bundle or promotion (OVO often advertises several months free, plus reward credits for fixed-tariff customers). No claims can be made in the first 30 days. Always confirm the current price, excess and exclusions on OVO's own website before buying.
Pros & watch-outs
Pros
- FCA-regulated insurance, so the Financial Ombudsman Service is available if a complaint isn't resolved
- Three tiers (Essentials/Starter/Complete) with a selectable £0/£60/£95 excess to flex the monthly cost
- Unlimited call-outs, a 24/7 emergency helpline and an annual boiler service included
- Gas Safe registered engineer network
- Available to non-OVO-energy customers as standalone cover
- Frequent promotions (3–6 months free, plus reward credits) and the option to bundle with an OVO fixed energy tariff
Watch-outs
- Mains-gas boilers only — oil and LPG heating systems are not eligible
- Underwriter (OVO Insurance Services Ltd) is Guernsey-regulated, so UK FSCS cover should not be assumed — verify before buying
- No claims can be made in the first 30 days
- The headline monthly price comes with a £95 excess per claim; a £0 excess costs more
- Boiler replacement is only included on the top Complete tier
- Reports of declined claims for wear-and-tear/pre-existing faults — read the exclusions carefully
- Renewal premiums can rise; introductory free-months offers end after the promo period
Who is it for?
A practical fit for homeowners with a mains-gas boiler who already are (or are happy to become) OVO energy customers and want the convenience of one provider for energy plus boiler cover, especially when a free-months promotion or reward credit is running.
Suits people who value having an FCA-regulated insurance product with Financial Ombudsman access and who want to tune their monthly cost via the £0/£60/£95 excess choice.
Not suitable if you have an oil or LPG boiler (mains gas only), if you specifically want UK FSCS-backed cover, if you need to claim immediately (30-day wait), or if you want guaranteed boiler replacement without paying for the top Complete tier.
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.
Does OVO Energy still sell boiler cover in 2026?
Yes. OVO sells boiler and heating cover through OVO Home Services in three tiers — Essentials, Starter and Complete — available with or without an OVO energy tariff. Confirm current plans and prices on OVO's own site.
Is OVO boiler cover insurance or a service plan?
It is FCA-regulated insurance, arranged and distributed by OVO Home Services Ltd (FCA firm reference 824122), not an unregulated service/maintenance plan. That means you can escalate unresolved complaints to the Financial Ombudsman Service.
Who underwrites OVO's boiler cover and is it FSCS protected?
It is underwritten by OVO Insurance Services Ltd, regulated by the Guernsey Financial Services Commission (reference 2570126). As a Guernsey-based insurer it is generally not covered by the UK FSCS, so don't assume FSCS protection — check the policy documents.
How much does OVO boiler cover cost?
From £12 a month for Essentials (£95 excess), £14 for Starter and £18 for Complete, as checked June 2026, each after an initial free period (3, 4 and 6 months respectively). Your price depends on the excess you pick, boiler type/age and any promotion. A standalone annual service is around £7 a month.
What does OVO boiler cover include?
All tiers include mains-gas boiler and central-heating cover, an annual boiler service, unlimited call-outs and a 24/7 helpline. Starter adds plumbing and electrics; Complete adds boiler replacement, supply pipes, drains and taps/toilets. No claims can be made in the first 30 days.
Compare OVO Energy against the panel
See how OVO Energy'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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