Compare Boiler Cover

Why Compare Boiler Cover?

Energy providers often ask you to pay more for boiler breakdown cover. They do this because people worry about losing heating or hot water. The big six energy suppliers also offer their own plans at higher prices. You do not have to get this cover from your own energy provider.

By looking at different boiler cover plans, you can find a deal that is not too expensive and fits what you need. You may want cheap boiler insurance, or you could want full cover with no excess at all. A lot of these plans include things like regular servicing, emergency callouts, and the cost of parts and labour. You pay a single fee each month or year for these services.

What Is Boiler Care?

Your boiler is very important for your home’s comfort and daily life. The heating from it keeps your place warm when it is cold outside. It also gives you hot water for showers, washing dishes, and laundry. If you do not have it, your house can get cold fast. It would feel uncomfortable and hard to live in. Fixing it can also cost a lot of money.

A boiler cover policy is a type of insurance for your boiler. It helps you when the boiler breaks down or needs regular maintenance. If your boiler stops working, the policy makes sure a Gas Safe engineer comes to check and fix it. Many times, this happens within one day, so there is less mess or trouble in your home. A boiler cover can give you peace of mind and be helpful for the safety of your family.

Typical features of boiler care include:

Engineer call-outs – The provider will send a trained technician to your house. Some plans let you have as many call-outs as you need each year, but some limit how many times the engineer can come each year.
Parts and labour – If you need a new part for your boiler, or someone to put it in, most plans cover these costs. Without this cover, you might have to pay a lot of money.
Replacement boilers (where this is part of your plan) – If your boiler is too broken to fix, and it is the right age or in the right state, some policies will help pay for a new boiler or give you the full amount for it.
Annual service visit – Many providers will have someone come every year to look over and service your boiler. This helps your boiler run right and keeps you safe. A yearly check also helps you keep your manufacturer warranty for longer.

Boiler care can fit what people need. For example:

A basic boiler-only plan is just for the boiler. It does not include the radiators, pipes, or any controls.
A comprehensive boiler and central heating plan will cover more parts. This plan includes the wider heating system, so it protects the radiators, thermostats, and controls too.
Some plans will let you add home emergency cover. This means you can get cover for things like plumbing, drainage, electrics, and more. It brings everything together for a full home protection package.

Choosing the right boiler care is not only about cost. It is also about having peace of mind. When a boiler breaks down, it helps to know that there will be emergency callouts any time of day. You will feel better knowing that the cost of repairs is covered if something goes wrong. This can make a big difference when an unexpected problem happens.

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Which Providers Offer the Best Value for Money?

The “best value” in boiler cover is not always about getting the lowest monthly price. You want to find a plan that gives you enough protection. The reliability of the boiler cover provider matters a lot. Think about how the plan fits what you need for your boiler. What makes sense for one person may not be right for another. It's good to look at all the options and see which one works well for you.

Specialist boiler cover companies usually have better prices. Also, they let you change your insurance policy to fit what you want. Their terms can be more flexible than what some energy companies ask for. Still, big energy brands like British Gas give you the option to bundle boiler cover with other things. This can help if you want all your services together in one spot for your home.

When comparing providers, pay close attention to:

Clear amount of excess per claim – A lower amount of excess means you will pay less from your own pocket each time you make a claim. But this can also mean you have a slightly higher fee every month.
Annual service visits – Some companies offer an annual service for your heating at no extra cost. Others will charge you for this. Getting an annual service is good for safety and helps the boiler work well. It is also needed to keep your boiler cover policy active.
Scope of coverage – Be sure the plan covers both the boiler and central heating system. If you pick only boiler cover, things like pipes, pumps, or controls may not be fixed under your plan.
Speed of response – Think about how fast providers answer emergency callouts if you have a problem with your heating. Some try to send an engineer to you in a few hours. With others, you might have to wait longer.
Transparency – The best providers are clear about what you get. There are no hidden fees or hard-to-read terms in their boiler cover policy.

To assess value for money:

Compare the cost of repairs that the plan would cover in one year to what you pay in premiums. This will help you see if you get good value for your money.
Think about the age and reliability of your boiler. If it is older, you may want a more complete type of insurance. A plan with higher repair limits could be the best choice for you.
Read customer reviews about different insurers. Find out how fast they respond and if engineers arrive on time. See if problems with the boiler get fixed during the first visit.

Which Boiler Providers Offer the Best Value for Money

Some providers give extra offers from time to time. You might get lower prices if you pay for a year in advance. Sometimes, they also let you start out with an introductory period with no excess. These deals can help you choose between plans that are about the same in every other way.

If you take the time to look at and think about all these things, you can find a provider that gives real value. You will get cover you can count on. You also will not pay too much for extras you do not need.

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Who Needs Boiler & Central Heating Cover?

Homeowners – You can stop big, surprise repair bills by getting boiler cover for your boiler or heating system.
Landlords – You must take care of the boiler, heating, and plumbing in the rental home, this is your legal duty.
Tenants – Most times, your landlord will take care of boiler cover, but it is good to ask and make sure.

UK statistics (uSwitch):

The UK has 23 million homes.
Every year, people in the UK say there are 115,000 boiler breakdowns.
There are around 8.28 million households that already have boiler cover.

Why You Might Need It

Boilers often stop working in the winter after they have not been used for many months. The cost of repairs can be high.

Repair Item	Typical Cost
Printed circuit board	£277
Fan replacement	£240
Gas valve	£219
Water pump	£211
Diverter valve	£191
Pressure relief valve	£102
Ignition system	£109

An annual boiler service costs about £75 to £100. It is important to have the boiler checked each year. A yearly boiler service helps you find any issues early. This can stop big problems with the boiler later. When you get the annual boiler service, it keeps your insurance policy valid. If you skip the boiler service, your insurance policy may not work if the boiler breaks down. A regular boiler service helps the boiler work well and keeps your home safe.

How Much Does Boiler Cover Cost Per Month?

The average cost of boiler cover in the UK is typically between £6.99 and £20 per month, depending on the level of protection and the provider you choose. Basic boiler-only policies are at the lower end, while comprehensive boiler and central heating cover — sometimes including home emergency protection — sits at the higher end.

Ways to Save Money on Boiler Cover:

Compare multiple providers – Prices vary significantly between insurers, even for similar cover levels.
Consider the right amount of excess – A higher amount of excess usually means a lower monthly premium, but be sure you can afford the excess if you make a claim.
Bundle with other services – Some providers offer discounts if you combine boiler cover with other types of insurance, like home emergency or appliance cover.
Pay annually – Many boiler cover providers offer a discount for paying yearly rather than monthly.
Check for loyalty or introductory offers – New customers often get the first month free or a reduced rate for the first year.

By knowing the average cost of repairs — and weighing that against the cost of cover — you can decide whether a basic or more comprehensive plan offers the best long-term value for your home.

Types of Boiler Cover

Boiler-only cover – This kind of cover looks after your boiler. It does not look after the heating in the rest of your home.
Boiler & central heating cover – You get cover for your boiler, radiators, pipes, and controls for your heating.
Full home emergency cover – With this, you have help for plumbing, drains, electric problems, and dealing with pests.

Always look at the details closely. Some insurers do not cover certain systems, and many of them have a limit for boiler age. This limit is often 15 years.

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Do Energy Companies Like British Gas Offer Better Boiler Cover?

While British Gas is one of the most known boiler cover providers, you will see that their plans can be more costly than what you get from other insurers. Specialist insurers may:

Include more generous coverage for the same or lower price
Offer a wider choice of policy options and lower excess amounts
Provide faster response times for emergency callouts

The best way is to look at more than one provider next to each other. This will help you see which type of insurance gives the most value for your needs.

Home Emergency Cover vs Home Insurance

Home emergency cover helps you get quick help when you have an urgent problem. This can be things like a broken heating system or a pipe that bursts. Home insurance will usually pay for damage from these problems but it will not pay for the fast fix you need right away.

Examples of emergencies covered:

There be no heating or hot water.
A pipe burst or it's leaking.
Electrical failures happen.
There are pest infestations.

How Do I Switch Boiler Cover Providers?

Switching is easy, but remember these things:

Check your current contract to see what the rules are for leaving or how much notice you need to give.
Make sure your old boiler cover and the new boiler cover policy do not leave any days without cover in between.
Before you say yes to a new policy, compare the amount of excess, the cost of repairs, and how often you get an annual service visit.
Check that there are no rules that could stop you from making claims on your boiler cover.

Common Exclusions

Most boiler cover plans exclude:

Pre-existing faults
Mobile homes, commercial places, and HMOs
Boilers that are more than 15 years old
Boilers that have not had a checkup each year by a Gas Safe engineer
Boilers that use something other than gas, like electric, oil, or LPG
Sludge found in the heating system
Repairs that happen in the first 30 days after you start your cover

Why Boilers Break Down

Common causes of breakdowns include:

The heating may not work because the pipes get frozen when it is very cold.
The heating can have trouble if it is not used for a long time in the summer.
A drop in water pressure can make the working parts feel stress.
The heating system can also get blocked with sludge and dirt.

Benefits of Having Boiler Cover

The plan takes care of call-out fees, parts, and labour.
You get a 24/7 helpline that you can use any day of the year.
Some plans also come with an annual service visit.
You will have help from qualified Gas Safe engineers.
These things give you peace of mind, especially during the colder months.

Boiler Repair Costs Without Cover

Simple repairs to your boiler can be between £200 and £300. If there is a big problem, it may cost a lot more. The labour for these jobs is usually about £60 for each hour. You may also have to pay a call-out fee. If you need your whole boiler replaced, this can cost several thousand pounds.

Is Boiler Cover Worth It?

If you use a boiler for your heating and hot water, boiler cover can help give you peace of mind. It protects you from paying for sudden problems and repairs. When you look at plans from different insurers, you can be sure to find the best boiler cover, get good service, and save money.