Choosing The Best Boiler Cover

choosing the best boiler cover

It seems to be a law of the universe that if your boiler is going to breakdown, then it’s going to happen in a month when cash is tight. And then there’s the hassle of trying to find a local company who will come and fix the issue quickly and without charging you an arm and a leg for the privilege. Some times this could be more than what a new boiler cost.

Boiler insurance cover provides peace of mind that if your heating system breaks down, you can make a quick phone call, and someone will be there to sort out the problem for you. But, before you leap in and sign on the dotted line, you need to be aware of the types of cover available, what they cover and the likely cost.

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What Is Included in Boiler Cover?

Boiler cover generally covers repairs to your boiler and its controls via a 24/7 365 day helpline. Parts and labour are included on all types of boilers, though there may be an upper limit as to how much work will be covered. There is usually the option to upgrade the cover to include cover for the central heating system, and some plans will also provide an annual boiler service.

If you’re looking for complete cover for your home, then you can also extend the policy to include a home emergency cover which includes drainage, gas supply pipes, and electrics. Some boiler cover plans also include replacement boiler when there are faults that can’t be repaired.

Types of Boiler Cover

When you’re taking out boiler cover it’s important to be aware unless you specify what you need to be covered, then your policy may just cover the boiler itself. If you need cover including both the boiler and central heating system, it may be considered a separate requirement and require an extended form of cover.

Cover for Older Boilers

You might be tempted to get cover when you know that your boiler is getting older and perhaps you’re starting to experience some problems or reduced efficiency. Even the best combi boilers and best system boilers breakdown. Some plans place restrictions on the replacement benefit and may only cover boilers under a certain age and others may increase the cost of the cover in future years.

Some plans also have a callout fee in addition to the cost of the cover, and so that can mean that if you do need assistance several times a year, it may work out cheaper, in the long term, to have a new boiler installed. Don’t forget that new boilers are also much more efficient, so there will also be savings on your monthly utility bills as well.

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How Much Does Boiler Cover Cost?

 Boiler StandardBoiler PlusBoiler & HeatingComplete Cover
 £13.99 per month£17.99 per month£21.99 per month£26.99 per month
Boiler and Controlsüüüü
Carbon Monoxide testüüüü
Boiler Replacementüüüü
24/7 365 Emergency Helplineüüüü
Free annual boiler service üüü
Central Heating Cover  üü
Electrics   ü
Gas Supply   ü
Drainage   ü
Roofing & Security   ü
Pest Removal   ü
Lost Keys   ü

The prices quoted here are lower due to the £60 call out charge, but this can be removed completely for a slightly higher monthly fee. You can find full details of our boiler cover here.

Tips For Choosing The Best Boiler Cover

The Cover Doesn’t Need to Be with Your Gas Supplier

It’s easy to understand why so many people sign up with their gas supplier, but this may not be the cover you need nor the best value for your home.

Don’t Leave it Until There’s a Problem!

Most policies have a no-claims period at the start, and that’s designed to stop people from taking out the policy when they have a boiler breakdown. ideally, you should take one out upon boiler installation.

Look for Cover That Includes an Annual Service And Safety Check

Not only does this give you peace of mind, but it will also reduce the likelihood of problems developing to begin with. A regularly serviced heating system will also run more efficiently, saving you money in the long term. Cheap boilers break down more often too.

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Best Boiler Cover Brands

Now you’ve decided that you need boiler cover, we’ve carried out a comparison some of the offerings available to UK homeowners

British Gas Boiler Cover

British Gas offer four different levels of cover under their HomeCare brand. All policies include an annual service and safety check and cover the boiler and its controls. Do be aware that British Gas state that 50% of their customers pay the prices quoted on their website but that you may end up paying more depending on where you live.

Homeserve Boiler Cover

Homeserve has a range of five different policies, all of which cover a gas boiler, the gas supply pipe and include having the boiler serviced, though this might only be included in the first year. Once you’ve had the policy for six months, they offer to replace the boiler if it can’t be fixed.

Scottish Power Boiler Cover

Scottish Power offers four levels of cover, two of which include an annual boiler service and access to a 24/7 helpline and two of which don’t. For the policies which don’t include the servicing, there’s also a £99 call out fee every time you need assistance. All four levels of cover include a replacement new boiler up to £750, but this doesn’t cover the costs of delivery or boiler installation.

SSE Boiler Cover

SSE offer four different levels of cover, all of which cover the boiler, and controls, the programmer and the thermostat. The two more expensive policies include annual boiler service and safety check, and free boiler replacement for units less than seven years old.

Summary

Boiler cover can be a great option and provides comfort in knowing that you need never be without working heating and hot water. But you do need to do a little investigative work to ensure that the policy covers everything you need it to. If you need a new boiler check out our new boiler deals.

Boiler Central provides some of the most comprehensive boiler breakdown cover plans, find out more here.

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