Boilers keep your home warm and ensure you have access to hot water, so it’s essential to keep them in good working order. Boiler cover and maintenance plans may offer peace of mind if something does go wrong and ensure you know who to call to get the problem fixed as soon as possible.
Many companies and manufacturers offer boiler cover or maintenance plans, and we outline the best plans from the top providers below.
Hometree Insurance Boiler Cover Plans From 40p per Day
The table below gives a quick comparison of the best UK boiler cover and maintenance plans.
* Indicates a call-out charge rather than excess.
We obtained the figures above from each company’s website in November 2022. Companies may change their prices and product offerings at any time.
If you request a quote from a provider, the quote you receive may differ from the prices outlined above. You should always read through the full terms and conditions before purchasing any insurance product or maintenance plan.
Please note that this guide is for your information only. HouseholdQuotes does not recommend any particular insurance product or maintenance plan, and the order in which companies appear on this page does not indicate that one product or service is potentially more suitable than another.
We have affiliate relationships with Hometree, YourRepair, 24|7 Home Rescue, and Prominence Support. If you decide to purchase a product from one of our affiliate partners, we may earn a small commission at no additional cost to you.
Featured: Hometree
Hometree Insurance Boiler Cover Plans From 40p per Day
Some of the features and benefits of Hometree’s boiler care plan:
- Care for your boiler, controls, and gas supply pipe
- Pay £0, £60, or £95 excess per claim
- Unlimited call-outs
- Annual boiler service
- 15% discount off the price of a new boiler they can’t fix it
Hometree enables customers to purchase maintenance plans for their boiler and gas supply pipe from £12.95 per month with a £95 excess. Your monthly or annual price will change based on how much excess you would like to pay.
Hometree’s boiler care packages include maintenance for the boiler and controls such as the thermostat, programmers, and central heating pump, as well as the gas supply pipe. The plan also includes a boiler service consisting of an inspection of the boiler, flue, and gas pipework and tests of the gas and pressure flow.
If an emergency breakdown does occur, Hometree has an emergency call centre that is open 24/7. There’s no limit on the number of call-outs you can request.
What’s more, if your boiler breaks down and an engineer can’t repair it, the company will give you up to 15% towards the cost of replacing it—provided that they install it.
Hometree’s boiler care package excludes problems caused by limescale or sludge and any problems affecting your central heating system. However, customers are welcome to expand their maintenance plan by purchasing central heating or home emergency plans for an additional monthly or annual cost.
To learn more about Hometree, visit our detailed profile page, or see their website.
2. 24|7 Home Rescue
24|7 Home Rescue Boiler Cover From £4.49 Per Month
Some of the features and benefits of 24|7 Home Rescue’s boiler breakdown plan:
- Emergency breakdown plan for your boiler
- 30-day rolling contract
- Complimentary boiler service in first year
- £95 excess
- No limit on the value of repairs for boilers in good working order
- Parts and labour included in plan
24|7 Home Rescue’s Boiler Care plan gives you emergency breakdown protection for £5.99 per month, plus a £95 excess. Their Boiler Care plan operates on a 30-day rolling basis, so you don’t have to be tied into a long-term contract.
24|7 Home Rescue’s Boiler Care plan includes call-out charges, labour, and any parts or materials required to get your boiler back in good working order. The company can repair many different boilers, but it guarantees to have engineers and manufacturer parts available for Potterton, Viessmann, Baxi, and Worcester Bosch boilers.
In addition to providing an emergency breakdown plan, 24|7 Home Rescue offers customers an annual boiler service to check the operation and safety of your boiler. The service is normally scheduled between 8 and 12 months after the plan begins.
The plan excludes non-emergency issues that don’t result in a breakdown, such as a loss of pressure, an accumulation of limescale or sludge in the heating system, or faults that affect the controls or flue. 24|7 Home Rescue also doesn’t cover Powermax, Ideal Mexico, or Keston boilers.
If an engineer determines that the boiler is Beyond Economical Repair, customers will be responsible for the full cost of replacing their faulty boiler.
24|7 Home Rescue also offers additional plans for your central heating, or even more expansive coverage for your internal and external plumbing and drainage systems, electricity, and potential pest issues (for an additional fee).
24|7 Home Rescue is now authorised and regulated by the Financial Conduct Authority.
To learn more about 24|7 Home Rescue, visit our detailed profile page, or see their website.
3. YourRepair
YourRepair Boiler Care Plans From £9 per Month
Some of the features and benefits of YourRepair’s boiler maintenance plan:
- Gas boiler and controls care
- £95 call-out charge
- Unlimited call-outs
- Free annual boiler inspection
- No exclusion period if you switch
- Carbon monoxide test
YourRepair’s Boiler Cover Plan cares for your gas boiler and controls for £8 per month, plus a call-out fee of £95 which is payable before an engineer attends.
The non-insured maintenance plan includes your boiler and its controls, such as the thermostat and timers, plus parts and labour.
YourRepair allows an unlimited number of call-outs and doesn’t limit the value of repairs. However, the company reserves the right to increase the call-out fee if you make more than 4 call-outs per year.
What’s more, the company won’t service your gas supply pipe, your central heating system, or routine maintenance issues such as re-pressurising the heating system. Boilers and heating systems from Elm Le Blanc, Potterton, Britany, Chaffoteaux, or Servowarm are also excluded.
If your boiler is less than 7 years old and develops a fault that can’t be repaired, YourRepair will pay for a replacement up to a value of £2,500. This includes all parts, labour, materials, and any call-out charges.
If your boiler is more than 7 years old and can’t be repaired, the company may contribute up to £350 towards the cost of replacing it. In that case, you must be able to show that it was maintained according to the manufacturer’s instructions.
To ensure that your boiler remains in good working condition, YourRepair offers an annual boiler service that includes an inspection of the boiler and flue to ensure the boiler starts up correctly and is running efficiently, and that the flue complies with Gas Safety Regulations. Their annual service even includes a carbon monoxide test.
Notably, the company will waive the exclusion period for cover if you switch from another provider. It also has a UK-based call centre that can offer emergency help 24 hours a day, 365 days a year. Alternatively, customers can request an appointment online.
To learn more about YourRepair, visit our detailed profile page, or see their website.
4. Prominence Support
Some of the features and benefits of Prominence Support’s boiler cover:
- Up to £1,000 per claim
- Covers Boiler and Controls
- Optional Yearly boiler service
- 24/7 UK call centre with trained technicians
- No excess option
- Multiple claims per year
Prominence Support offers a range of insurance cover for all your home appliances including boilers. Their most basic plan is the HE 250 which is just £4.99/month with £50 excess.
Prominence Support allows multiple claims per year and even offers to cover up to £250 hotel expenses. The main downside is that cover is limited to £250 per claim.
The HE 1000 plan is £8.99 a month and covers up to £1,000 per claim. However, it has a £75 excess. It also covers break-ins and vandalism, pest infestations, mains service failure, plumbing, drainage and dislodged roof tiles.
Finally, their most expensive plan is the HE 500 which has a £0 excess but there’s a £500 limit per claim. It offers everything the HE 1000 does except Break-in and Vandalism cover.
To learn more about Prominence Support, visit our detailed profile page, or see their website.
5. Scottish Power
Some of the features and benefits of Scottish Power’s boiler cover:
- Breakdown cover for your gas boiler and controls
- Excess of £99
- No call-out charges
- Claim limit up to £1,500 annually
- Up to £750 towards a replacement boiler
- Repairs by Gas Safety registered engineers
Scottish Power offers boiler cover for £3.50 per month, plus an excess of £99 payable for each claim.
Scottish Power covers breakdowns affecting the boiler and its controls that may occur after the manufacturer’s warranty has expired, up to a maximum of £1,500 over 12 months. Scottish Power doesn’t charge a call-out fee for repairs, and the company ensures that all work is carried out by Gas Safety Registered engineers.
Their cover excludes problems affecting the central heating system or flue, accidental damage, damage caused by rust, limescale, or sludge, and any work required to bring your boiler up to current industry standards, among other exclusions.
If an engineer is unable to repair your boiler or the boiler is deemed Beyond Economical Repair, Scottish Power will fit a replacement or give you credit up to a value of £750. However, the company won’t pay any delivery or installation costs for the new boiler.
Scottish Power also enables customers to upgrade their cover to include an annual boiler service and protection for radiators and valves.
To learn more about Scottish Power, visit our detailed profile page, or see their website.
6. WarrantyPeople
Some of the features and benefits of WarrantyPeople’s boiler cover:
- Emergency cover for your boiler and controls
- Unlimited call-outs
- No limit on claims or claims value
- Parts and labour up to £1,000 included in cover
- Nationwide coverage
- UK call centre open 24/7
WarrantyPeople offers emergency boiler breakdown cover from £5.49 per month and a call-out fee of £95.
The cover extends to the boiler itself and its controls, and the monthly premium includes all parts and labour. The cover excludes accidental damage, regular maintenance, and pre-existing issues.
WarrantyPeople allows unlimited call-outs and doesn’t limit the number of claims you can submit if your boiler is malfunctioning. There is also no limit on the value of the claims unless the boiler is Beyond Economical Repair.
Thanks to an extensive network of engineers throughout the UK, the company can send someone to inspect your boiler in as little as 4 hours. They also have a UK-based call centre open 24 hours a day, 7 days a week.
Customers can also upgrade their coverage to include additional features like an annual boiler service and a gas safety check, as well as cover for their central heating, plumbing and drainage, and electrical systems.
To learn more about WarrantyPeople, visit our detailed profile page, or see their website.
7. E.ON
Some of the features and benefits of E.ON’s boiler cover:
- Gas boiler, central heating, and gas supply pipe cover
- Free boiler health check
- Complimentary boiler service for new customers in first year
- Unlimited claims and no ceiling on value of claims
- Gas supply pipe repairs covered up to £4,000
- 6 month exclusion on boiler replacements
In collaboration with HomeServe, E.ON can cover your boiler and central heating system (including the gas supply pipe) for £7.99 per month in the first year, with an excess of £100.
The policy includes breakdown cover as well as issues with temperature and other boiler controls, as well as damaged or leaking gas supply pipes. However, E.ON doesn’t cover boilers that may need specialist work, including models from Sorrento, XLF, and Gledhill. Furthermore, cover excludes radiators, water pipes, and any external cylinders and your monthly premiums will increase after the first year of cover.
E.ON offers all new customers a boiler health check and service in the first year. The health check ensures that the boiler is in good working order and must be booked within the first 90 days of cover. To reduce the chance of breakdowns, E.ON also gives new customers the option to arrange a free boiler service in the first year.
During your boiler service, a HomeServe engineer will inspect the boiler and flue, among other parts. The engineer will also service any filters, test the boiler according to the manufacturer’s instructions, and check that your heating and hot water are working as they should.
If your boiler does experience problems, E.ON doesn’t limit the number or value of claims that you can make within the period of cover. However, claims related to issues with the gas supply pipe are capped at £4,000.
There is a 6 month exclusion period on boiler replacements, and E.ON will only offer to replace boilers if they are Beyond Economical Repair and less than 7 years old.
To learn more about E.ON, visit our detailed profile page, or see their website.
8. HomeServe
Some of the features and benefits of HomeServe’s boiler cover:
- Breakdown cover for your gas boiler and gas supply pipe
- Boiler health check included
- Optional free boiler service
- Unlimited claims
- No claims value limit for boilers in good condition
- Additional cover for central heating available for purchase
HomeServe offers breakdown boiler cover from just £8 per month, plus an excess of £100.
Their plan includes cover for your boiler and gas supply pipe, including repairs to the controls, the heat exchanger, and even repairs if the boiler becomes unusually noisy.
Homeowners must book a boiler health check to ensure the appliance is in good working condition. New customers can also make an appointment for an optional free boiler service in the first year of cover. The boiler service includes a complete inspection of the flue, burner, ignition devices, as well as a test of the boiler, among other tasks.
HomeServe does not limit the number or value of claims you can make, assuming that an engineer does not deem it to be Beyond Economical Repair. If your boiler is less than 7 years old and can’t be economically repaired, HomeServe will replace it for free if you’ve been a customer for more than 6 months.
However, the company doesn’t cover specialist boilers such as the Servowarm Savannah, and Saxon or Elite boilers, or thermal storage units like the Potterton Powermax. Likewise, cover won’t extend to your central heating or underfloor heating systems. Damaged caused by limescale, sludge, or rust is also excluded.
If your gas supply pipe develops a fault, HomeServe limits the value of a claim to £4,000. The company only covers the internal gas supply pipe that extends from your gas meter to your boiler; external supply pipes and gas appliances are excluded.
The company also enables customers to purchase additional cover for their central heating, plumbing, and electrics, and to guard against pests.
To learn more about HomeServe, visit our detailed profile page, or see their website.
9. EDF Energy
Some of the features and benefits of EDF’s boiler cover:
- Emergency gas boiler and control cover
- Annual service to maintain equipment
- £95 call-out charge
- One boiler service in first year
- Up to £750 towards a replacement boiler
- 12-month guarantee on all parts
EDF Energy BoilerCare Gold plan covers gas boilers for £5.20 per month for the first three months, then £10.40 per month thereafter.
EDF’s plan looks after your boiler and the controls, with an annual service to help maintain your heating equipment.
EDF Energy will offer a replacement boiler worth up to £750 if required (installation costs not included). This plan excludes the issues affecting the gas supply pipe or flue, as well as maintenance problems such as a loss of pressure, air in the system, or system noise.
Similarly, EDF Energy won’t cover problems caused by limescale, rust, or sludge, plus any issues that impact your radiators or gas appliances. The company offers a one-time boiler servicing in the first year of cover, which encompasses a visual inspection and check of the boiler, as well as tests on the flue and gas pressure – there is a 12-month guarantee on all parts.
If your boiler breaks down and is found to be Beyond Economical Repair, EDF Energy will contribute £750 towards the cost, minus any remaining premiums.
To learn more about EDF, visit our detailed profile page, or see their website.
10. Baxi
Some of the features and benefits of Baxi’s boiler cover:
- Cover for your gas boiler
- Annual boiler service
- No call-out charge
- Yearly claims limit of £1,500
- Will replace boilers up to £750
- Call centre open 7 days a week
Through their Maintenance and Support plan, Baxi offer boiler cover for £12.40 per month for boilers that are still under the manufacturer’s warranty.
The plan covers boilers that are less than 15 years old and includes an annual service of the boiler and its controls. Cover for older boilers is also available at an additional cost.
For boilers in need of repair, Baxi will arrange for an engineer to inspect the boiler and the company will cover any call-out charges and all parts and labour, up to an annual limit of £1,500. If your boiler stops working at any point and cannot feasibly be repaired, Baxi will arrange for a replacement up to a value of £750 (excluding installation) – alternatively, they may give you credit or vouchers towards the purchase of a new boiler.
Baxi also offers customers the benefit of a call centre that is open 7 days a week throughout the year.
To learn more about Baxi, visit our detailed profile page, or see their website.
11. Corgi
Some of the features and benefits of Corgi’s HomePlan boiler cover:
- Cover for your gas boiler, gas supply pipe, and central heating
- Excess of £60
- Annual boiler service
- Unlimited call-outs
- Combined claims limit of £2,000
- Boiler repairs limited to £300 in first 3 months
Corgi’s HomePlan cover starts at £15 per month, with the first 6 months £7.50, plus an excess of £60.
The plan includes cover for both your gas boiler and central heating system, including the flue, any thermostats or heating controls, and your radiators, valves, pipes, and fittings.
Corgi’s cover excludes damage caused by an accumulation of limescale, rust, or sludge, and pipe damage caused by freezing temperatures, among other exclusions. If your boiler is more than 7 years old, you may have to pay a higher monthly premium. Notably, Corgi won’t repair or replace a boiler that’s found to be Beyond Economical Repair.
The Corgi HomePlan also offers customers an annual boiler service, which is separate from the insurance contract but will help keep your boiler in good working order. The boiler service includes a visual check of the boiler, the radiators, and the hot water cylinder, plus an internal inspection of the boiler (if required) – the service will also ensure that the boiler’s flue and ventilation comply with Gas Safety Regulations.
Corgi’s HomePlan will only pay up to £300 towards the cost of repairs in the first three months of cover, and claims are limited to a combined total of £2,000 for the boiler and central heating system. Customers can also expand their coverage to include your home’s plumbing and electrics as well as your water and gas supply pipes, for an additional monthly fee.
To learn more about Corgi, visit our detailed profile page, or see their website.
12. OVO
Some of the features and benefits of OVO’s boiler cover:
- Emergency cover for your boiler and controls
- Parts and labour included in cover
- Unlimited call-outs 24 hours a day
- Call centre open 24/7
- £250 towards boiler replacement
- 18-day freeze on claims for new customers
In January 2020, OVO officially bought out SSE. OVO’s boiler cover gives customers peace of mind in the event of a breakdown for £15 per month, with the first six months at £7.50 as well as a £90 excess payable for each claim.
Their Boiler Breakdown plan covers issues affecting your boiler and its controls, including the thermostat, timers, pumps, and heat exchanger.
Parts and labour are included in the plan, but OVO won’t cover the cost of an initial inspection or annual service. In addition, the plan doesn’t cover faults due to excess rust, limescale, or sludge. Ideal, Servowarm, Chaffoteaux, and Ferroli boilers are also excluded.
In the event of a breakdown, OVO engineers are available for call-outs 24 hours a day, and customers can request assistance any time of the day or night through OVO’s call centre, which is open 24/7. However, new customers are unable to make a claim during the first 18 days of their contract. If an engineer can’t economically repair your boiler, OVO will give you £250 towards the cost of replacement if you have them install it.
For customers seeking additional cover, OVO offers breakdown plans for your central heating system, radiators, and hot water cylinders. Customers may also choose to upgrade their coverage to include a complimentary boiler inspection and free boiler replacement (for boilers less than 7 years old).
To learn more about OVO, see their website.
13. British Gas
Some of the features and benefits of British Gas’s boiler cover:
- Breakdown cover for your gas boiler and gas supply pipe
- Excess of £60
- Annual boiler service
- Unlimited claims, up to £1,000 each
- Further coverage can be purchased
British Gas’s HomeCare Basic plan offers boiler cover from £17 per month, with an excess of £60.
The basic plan covers breakdowns (including accidental damage) affecting your boiler, as well as the gas supply pipe, the flue, and the thermostat and thermostatic controls.
British Gas also offers customers an annual boiler service to ensure everything keeps running smoothly.
British Gas allows an unlimited number of claims, but they won’t pay out more than £1,000 for each claim. The company can replace boilers that are less than 7 years old (as well as older boilers under certain conditions). British Gas will even give customers up to £500 towards alternative accommodation if their home has become uninhabitable due to a boiler that caught fire or exploded.
Their HomeCare plan excludes issues that affect your central heating system, damage due to excess sludge, limescale, or rust caused by inadequate maintenance, and repairs to most flues longer than 1 meter.
As an added service, British Gas enables customers to purchase further cover for their central heating, drains, electrics, and plumbing.
To learn more about British Gas, visit our detailed profile page, or see their website.
14. Vaillant
Some of the features and benefits of Vaillant’s maintenance plan:
- Repairs and maintenance for Vaillant boilers and controls
- 1-year guarantee on parts
- 90-day guarantee on labour
- No call-out charge
- £1,500 repair value limit
- Up to £750 towards a replacement boiler
In conjunction with Domestic & General, Vaillant has developed a Repair and Care plan for a monthly fee of £57.15 on a 6-month contract.
Their plan offers peace of mind for customers who own a Vaillant boiler that is no longer under the manufacturer’s guarantee. If your boiler breaks down, customers can join the Repair and Care plan to address the fault and guard against future problems.
Vaillant guarantees all parts for 1 year and also guarantees labour for 90 days, and all work is carried out by Gas Safe engineers. If your boiler does become faulty, Vaillant won’t charge you a call-out fee.
The company also offers customers a “no fix no fee promise,” so you won’t pay if the engineer can’t solve the issue or deems your boiler to be Beyond Economical Repair. In that case, Vaillant may offer you up to £750 towards the cost of a replacement boiler. Otherwise, there is a £1,500 limit on the value of repairs.
For customers who prefer not to sign on to a monthly contract, Vaillant engineers can also attempt to repair the boiler for a fixed one-time fee of £285, plus a £95 call-out charge.
Because Vaillant offers its Repair and Care plan in collaboration with Domestic & General, customers can also take advantage of the Boiler Care portal to discover useful hints and tips about their boilers.
To learn more about Baxi, visit our detailed profile page, or see their website.
15. Worcester Bosch
Some of the features and benefits of Worcester Bosch’s maintenance plan:
- Boiler and control maintenance and care
- Annual service included
- Up to £1,500 worth of repairs
- Maximum of £750 towards a replacement boiler
- Worcester-based call centre open 24 hours
- Network of 300 Gas Safe engineers
Worcester Bosch has partnered with Domestic and General to offer customers a maintenance and care plan for their own boilers. Unfortunately, Worcester Bosch doesn’t say how much their plan costs or whether you’ll have to pay a call-out charge if your boiler needs repair – instead, you’ll have to call the company or complete an online enquiry form to learn more.
Nevertheless, Worcester Bosch’s plan suits boilers that are less than 12 years old and are no longer covered by the company’s guarantee. The maintenance and care plan extends to the boiler and its controls but excludes any issues affecting the flue, routine maintenance, cosmetic damage, and problems related to the accumulation of sludge.
As part of their maintenance plan, Worcester Bosch offers customers an annual service including a complete check of the boiler, system pressure, gas pressure, and ventilation. If an engineer discovers a problem during the annual service or if your boiler breaks down at any other point, Worcester Bosch allows up to £1,500 worth of repairs – but, if your boiler has completely failed, the company may give you up to £750 for a replacement.
The company has a Worcester-based call centre that’s open 24 hours a day, 364 days per year. They also have a network of more than 300 Gas Safe engineers who specialise in servicing and repairing Worcester Bosch boilers.
Thanks to their partnership with Domestic & General, customers who join Worcester Bosch’s maintenance and care plan can access a Boiler Care portal that features hints and tips to help keep your boiler in peak condition.
To learn more about Worcester Bosch, visit our detailed profile page, or see their website.
16. Domestic & General
Some of the features and benefits of Domestic and General’s maintenance plan:
- Maintenance for boilers and controls
- Covers boilers less than 15 years old
- Includes annual boiler service
- No call-out charge
- £1,500 repair limit per year
- Up to £750 towards a replacement boiler
Domestic & General offers two boiler maintenance and support plans. However, to get a price you’ll need to provide information about the type of boiler you own, its condition, and whether the boiler is still under guarantee.
The Gold boiler care plan maintains your boiler and its controls. The plan extends to the boiler and controls including the timer, thermostat, pump, and valves but excludes the flue and issues such as a loss of pressure, unbalanced radiators, or a buildup of sludge. The plan suits boilers less than 15 years old that are no longer under the manufacturer’s guarantee.
To keep your boiler working as it should, Domestic & General provides all clients with an annual boiler service. Customers can also access helpful hints and tips through their Boiler Care portal to help the boiler operate efficiently.
If your boiler develops a fault, Domestic & General will send a technician and cover all call-out charges plus any costs related to parts and labour. However, the company imposes a repair value limit of £1,500 per year. If your boiler must be replaced, Domestic & General will arrange a replacement or give you up to £750 towards the cost of replacing it—excluding delivery and installation.
Domestic & General also offers a Platinum plan which includes maintenance and care for central heating systems, at an additional monthly cost.
To learn more about Domestic & General, visit our detailed profile page, or see their website.
Should I Get Boiler Cover?
Boiler cover or maintenance and care plans can give you peace of mind if you’re concerned that your boiler could develop a sudden fault or breakdown unexpectedly. Boiler cover can also make the cost of repairs more predictable since you have to pay a monthly fee but many companies include parts and labour in their policies or maintenance plans.
Furthermore, if you purchase boiler cover or maintenance and care plan, you’ll know exactly who to call if your boiler malfunctions. Many companies have call centres which are open 24 hours per day, so you won’t have to wait until the next day to book an appointment with an engineer or technician.
How Much is Boiler Cover?
The cost of boiler cover or maintenance and care plans varies widely from company to company. Our research on the best boiler cover plans suggests the price varies from £3.50 per month to £51.98 per month. In addition, you’ll need to factor in the potential excess you may need to pay if you make a claim, or any call-out charges for any repairs or servicing (if applicable).
Before purchasing any boiler cover or maintenance and care plan, be sure to ask whether your monthly costs will increase if you choose to renew your contract.
What Is the Best Boiler Cover?
Choosing the best boiler cover for your home depends on many factors. For example, how old is your boiler? Certain companies only cover boilers that are less than 10 years old, while others may cover boilers that are up to 15 years of age. Is your boiler still under the manufacturer’s guarantee?
Some providers will only cover your boiler if the guarantee has expired. How much of the boiler do you want covered? There are a few companies that offer comprehensive coverage for the boiler, including the controls, flue, and gas supply pipes, while other companies only cover the boiler and controls.
Do you have a boiler that requires special care? Many companies exclude certain models like the Ideal istor, and boilers from Potterton and Chaffoteaux. There is also the issue of cost; our research suggests that there’s a wide variation in the monthly cost of boiler cover and maintenance and care plans and their excess or call-out charges.
Customers should also enquire about any limits on the number or value of claims before purchasing.
If you’re searching for additional protection for your home, you may also want to consider home emergency cover. Depending on the policy, you could receive protection for your gas and central heating systems, as well as your plumbing, drains, electrics, home security, and more.
Is There a Difference Between Boiler Cover and Boiler Insurance?
In short, no. Boiler cover is a particular kind of insurance that you can purchase to give you peace of mind about your heating system. The features of boiler cover and maintenance and care plans vary from company to company. Providers may include benefits such as an initial health check, an annual service, and protection for your entire boiler, including the controls, flue, and gas supply pipe, among others.
Some boiler cover plans don’t limit the number or total value of the claims you can make during your contract, whereas others do. If your boiler needs to be replaced, some companies may offer you more money towards a replacement than others. Whatever the case, our guide to the top boiler cover plans can help you begin to find the best plan for you and your home.
What Does a Boiler Service Include?
Boilers should be serviced annually to keep them in good working order. Generally, an engineer will inspect the outside of the boiler for evidence of damage or rust and then remove the exterior casing to examine the inside.
The engineer will also run tests as set out in the manufacturer’s instructions. These could include checking that the boiler starts up correctly and testing the gas and water pressure to make sure the boiler is operating safely. If need be, the engineer might clean some of the internal components to help it run as efficiently as possible.
Some engineers may also inspect your flue and gas supply pipe. All engineers should complete a service report and give you a copy before they leave and you should keep this copy for your records.
What Is Excess on Boiler Cover?
The term ‘excess’ refers to money that customers must pay whenever they make a claim on their insurance. If your boiler develops a problem or stops working completely and you make a claim on your boiler cover, you may have to contribute towards the cost of fixing or replacing it.
If the issue is covered by your boiler plan, the company that provides the cover then pays the remaining cost. Some companies limit the amount they are willing to pay to repair or replace your boiler, so you may have to pay the full cost if you exceed that limit.
Not all companies charge an excess. Some boiler cover companies give customers the option of paying no excess on claims in exchange for paying a higher monthly premium. For companies that offer maintenance and care plans instead of boiler cover, there may be a call-out charge to pay depending on the plan you choose.
When Do I Need Boiler Cover?
Boiler cover is an optional form of insurance that can give you added peace of mind for your home. Many companies have different requirements for issuing cover. Certain companies require your boiler to pass a health check before they agree to cover it.
Some providers will only cover heating systems that are under a certain age. In contrast, others only cover older boilers that are no longer under the manufacturer’s guarantee. If you’re considering purchasing boiler cover, make sure you do your research so that you can understand what different companies require. That way, you can make the best decision based on your situation and needs.
What Is the Difference Between Boiler Cover and a Maintenance and Care Plan?
Boiler cover is an insurance policy that is issued and ‘underwritten’ by a company. In other words, the company that provides the cover agrees to accept liability for fixing problems like a boiler breakdown or a faulty thermostat or timer. In some cases, the company that issues the boiler cover may work with a dedicated insurance company that will underwrite the insurance.
A maintenance and care plan is not an insurance product but may have benefits and features which closely resemble those offered under boiler cover plans.
We have affiliate relationships with Hometree, YourRepair, 24|7 Home Rescue, and Prominence Support. If you decide to purchase a product from one of our affiliate partners, we may earn a small commission at no additional cost to you.
