YourRepair Heating Cover Explained for UK Homes

YourRepair heating cover is a boiler and central heating protection plan that pays for repairs to your heating system for a fixed monthly price, with an annual boiler service included. YourRepair’s own site currently says its boiler cover starts from £11 a month, and the exact monthly price depends on the plan and excess selected. It is a service contract, not an energy tariff, so it sits outside the Ofgem price cap.

For a bill-conscious household already stretched by a standard variable tariff, the question is not just what YourRepair covers, but whether paying a monthly premium beats paying for repairs as they happen. This explainer answers that directly, sets out what the plans include and exclude, and shows how to judge value before you commit.

Last updated: August 2026

Written by the Free Price Compare editorial team | Reviewed August 2026

What does YourRepair heating cover actually include?

YourRepair heating cover includes repairs to your boiler and wider central heating system, parts and labour, unlimited call-outs and an annual boiler service, according to comparison sources reviewing the plans in 2026. The central heating plan extends beyond the boiler itself to cover controls, the thermostat, programmer, radiators, pipework, the hot water cylinder, and the feed and expansion tank. Repairs are carried out by Gas Safe registered engineers, and YourRepair states it operates a UK-based call centre available 24 hours a day. All engineers working on gas appliances in the UK must be on the Gas Safe Register by law, which replaced the old CORGI scheme in 2009.

The plan structure separates YourRepair’s cover into boiler-only cover and fuller central heating cover. Boiler cover protects the appliance and its controls; central heating cover adds the radiators, pipework and cylinder. If you want to understand how these tiers work across the market, our overview of boiler and central heating cover breaks down each level in plain terms.

How much does YourRepair heating cover cost per month?

YourRepair heating cover costs around £11 a month with a £60 excess, or about £16 a month with no excess, based on Home Heating Guide’s 2026 comparison of central heating plans. A separate review source lists the range as roughly £10 to £18.95 a month depending on the excess you choose. The main levers on price are your excess (typically £0, £60 or £95 per repair), whether you take boiler-only or full central heating cover, and the length of the price freeze you lock in. A higher excess lowers the monthly premium but means you pay more each time you claim.

Prices for cover plans move over time and vary by property, so treat any figure as indicative rather than a live quote. Because this is a service contract, none of it is governed by the Ofgem energy price cap, which limits unit rates and standing charges on gas and electricity tariffs for a typical user rather than repair-plan costs. If your energy bill is the bigger worry, comparing tariffs will move the needle far more than switching heating cover.

Figures are indicative and may change.

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Are call-outs and repairs unlimited?

Unlimited repairs and 24/7 emergency call-outs are included on YourRepair’s central heating plans, according to comparison and review sources covering the product in 2026. That means once you pay any applicable excess, there is no cap on the number of separate repair visits within your plan year. YourRepair says it uses a large network of Gas Safe registered engineers and offers a 24/7 customer support service. Unlimited call-outs are common across boiler cover plans, but always check the specific policy documents for any limit on total repair spend per year or per claim, as these caps differ between providers.

Will they replace my boiler if it cannot be fixed?

Boiler cover plans generally contribute towards a replacement only up to a stated cash limit, not an unlimited new boiler, so a like-for-like swap is not guaranteed. YourRepair’s own FAQ material indicates it will cover the cost of replacing a boiler that cannot be repaired up to a maximum contribution, rather than fitting whatever model you choose without limit. This is an important distinction: heating cover is designed to fund repairs, not to act as a boiler-replacement warranty. Older boilers are also more likely to be judged beyond economic repair, and once parts are obsolete a plan will usually pay the capped contribution rather than a full new installation.

Before relying on a plan for replacement, check the exact replacement contribution figure and any age limit on your boiler in the terms. If your boiler is already near the end of its life, weigh the cost of cover against saving towards a new installation instead.

Cutting your energy bill first

Reducing gas and electricity waste often saves more than switching cover.

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What is not covered by YourRepair heating cover?

YourRepair does not cover LPG boilers, oil boilers, electric boilers, solid fuel boilers, back boilers, thermal store boilers or dual purpose boilers, according to comparison data on the plans in 2026. Eligibility by boiler type is the single most common reason an application is declined or a repair rejected, so check your boiler’s fuel type and design before you buy. Most standard mains gas combi and system boilers are eligible, which covers the majority of UK homes, but the excluded types above are firmly outside scope.

Beyond boiler type, cover plans across the market typically exclude pre-existing faults, damage from poor installation or lack of servicing, cosmetic issues, and problems arising from work by a non-approved engineer. Some plans also restrict cover on certain older manufacturers or models. Reading the exclusions list is the practical step that prevents a rejected claim later. Our guide to what heating cover includes and excludes sets out the common carve-outs to look for on any plan.

Is heating cover worth it, or should you pay as you go?

Heating cover is worth it when you would struggle to fund an unexpected repair bill and want fixed, predictable monthly costs, but paying as you go can be cheaper over time if you have savings set aside and a newer, reliable boiler. A single boiler repair can run into the hundreds of pounds, and a new boiler installation is often well over £2,000, so cover mainly buys budgeting certainty and speed of response rather than a guaranteed saving. The trade-off is that in years where nothing breaks, your premiums are money spent for no repair.

For a bill-conscious household, the sensible test is simple: total your likely annual premium (around £132 a year at £11 a month plus any excess you pay when claiming), then compare it against the cost and likelihood of the repairs you might face. A boiler under warranty rarely needs paid cover at all. An older, out-of-warranty boiler in a home with no repair fund is where cover earns its place. If you would rather build your own repair pot, redirecting the premium into savings is a legitimate alternative.

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Is the free annual boiler service worth having?

An annual boiler service is worth having because it keeps your warranty valid, catches faults early and confirms your boiler is burning fuel safely, which reduces the risk of carbon monoxide and unexpected breakdowns. YourRepair includes an annual service in its central heating plans, and manufacturers typically require an annual service to keep a new-boiler warranty in force. A neglected boiler is more likely to fail during winter and, under most cover terms, damage caused by a lack of servicing can void a claim. The Health and Safety Executive stresses regular servicing of gas appliances by a registered engineer as the core safeguard against gas safety risks.

YourRepair says its free annual boiler service is worth £80. When a plan bundles the service in, part of your premium is effectively paying for maintenance you would otherwise buy separately, which improves the value case if you would service the boiler anyway.

Can the price rise at renewal?

Your price is fixed for the length of your chosen term, but it can change at renewal once that term ends, so a plan advertised at a fixed rate for 3 years holds for those 3 years and is then repriced. YourRepair’s selling point is a price freeze for 1, 2 or 3 years, which protects you from mid-contract increases during the fixed period. At renewal, providers can and do adjust premiums to reflect rising repair and labour costs, so it pays to check the renewal quote against fresh comparisons rather than auto-renewing.

To avoid drift onto a higher renewal rate, diarise the end of your fixed term and re-shop the market a month before. Locking a longer 3-year freeze gives more certainty but ties you in, while a 1-year term keeps you flexible. If you are also reviewing supplier-linked options, guides such as British Gas HomeCare plans and Hometree heating cover help you benchmark scope and price against YourRepair.

How do you get the best value on servicing and cover?

Get the best value by matching the excess to your budget, checking your boiler is eligible, and comparing the total annual cost including excess against rival plans before committing. Start by confirming your boiler’s fuel type and age, since an excluded or very old boiler changes the whole calculation. Then decide whether you value a low monthly premium with a £60 or £95 excess, or a higher premium with no excess so a breakdown costs nothing extra at the point of claim.

• Confirm your boiler is a standard mains gas type, not LPG, oil, electric, solid fuel, back or thermal store, before applying.
• Add your monthly premium across a year to any likely excess, and compare that total against paying for repairs yourself.
• Check the boiler replacement contribution limit and any age cap so you know what happens if repair is not possible.
• Read the exclusions for pre-existing faults and servicing requirements, which are the most common reasons claims are refused.
• Note your fixed-term end date and re-compare before renewal rather than letting the price reset automatically.

Independent ratings such as ABI member guidance on insurance-style products, and Defaqto star ratings, can help you judge cover breadth against price. Free Price Compare draws on data from Ofgem and other authoritative sources to help households weigh energy and home cover choices, and comparing supplier-backed options such as OVO Energy boiler cover alongside YourRepair gives you a clearer sense of the market.

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Information correct as of 5 August 2026. Prices, tariffs, policy details and providers change frequently, so please check the latest details before making a decision. This article is for general information only and does not constitute financial advice. Free Price Compare is authorised and regulated by the Financial Conduct Authority (FCA).