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Boiler and central heating cover

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What is boiler insurance?

Boiler insurance pays for emergency repairs to your boiler. If your boiler breaks, not only could you be left without heating and hot water, but the cost of fixing it could be expensive.

Boiler insurance can potentially save you hundreds of pounds. You might be able to get a boiler service plan included, too.

What does boiler insurance include?

Your boiler insurance may cover the cost of:

  • calling out an engineer

  • labour

  • replacement parts

  • an annual boiler service by a registered Gas Safe engineer as part of a boiler service plan

Boiler cover typically protects conventional, condensing and combination boilers.

Are there any exclusions to boiler insurance?

Every boiler insurance policy has certain things that it doesn’t cover.

These could include:

  • old boilers (typically over seven years old but this does vary)

  • general maintenance (such as removing sludge)

  • non-gas appliances or dual-purpose boilers

  • faults caused by other engineers

  • faulty showers or taps

You’ll find that most boiler care policies only cover gas boilers. But you should be able to find specialist policies for boilers that use oil. Check carefully what fuel each policy covers.

What can I claim for with my boiler cover?

Usually, boiler breakdown cover provides repairs and replacements for your boiler, controls and central heating.

Depending on the policy, you may be able to:

  • call out an engineer if your boiler, thermostat or programmer stop working 

  • get a new boiler if it’s under seven years old and can’t be repaired

  • have your gas central heating system, including your radiators and hot water cylinder, repaired

The cheapest boiler cover usually provides basic boiler breakdown cover only, but if you’re willing to pay more you could get everything included, such as central heating cover and a boiler service plan.

You might also want to consider home emergency cover. This also protects things like your plumbing, drains and electrics. Find out more about home emergency cover here.

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Do I need boiler cover?

It depends on your situation. If you rent your home, it’s your landlord’s responsibility to pay for repairs to the boiler, so you won’t need cover.

But if you own your home – or you’re a landlord – it’s a good idea to have boiler insurance to cover expensive bills if the boiler breaks down. You can find more information here on how landlord boiler cover works.

If boiler cover is included with your home insurance policy, there’s no need to get a separate boiler policy. However, home insurance policies don’t usually include boiler cover.

How expensive is boiler cover?

The price depends on several factors including the age and brand of your boiler, the size of your home and how much excess you’re willing to pay.

Boiler insurance for old boilers is more expensive, so it might be worth replacing your boiler with a newer model.

Is it cheaper to buy a new boiler?

New boilers are expensive, though exact costs vary greatly depending on type and brand. A new boiler will typically set you back somewhere between £500 and £2,500, so make sure you know exactly what type you’re looking for.

A new boiler is usually significantly more energy-efficient than an older model, so installation and replacement costs will be offset by energy savings and lower utility bills in future. However, the high upfront cost makes it important to consider the impact on your finances if your current boiler were to break down.

What do I do if my boiler suddenly breaks down?

This is a key benefit of boiler insurance. Most providers provide a dedicated emergency helpline. If your boiler breaks down, simply call the number at any time.

Will I have to pay excess to make a claim on my boiler insurance?

Yes, as with most kinds of insurance, making a claim on your boiler and central heating cover means you’ll have to pay excess.

It’s usually around £60, but you might have the option to reduce or even eliminate this when you take out the policy. It’ll increase the cost of your insurance premium, but you may decide the extra peace of mind is worth it.

What’s the claim limit?

When you take out boiler and central heating cover, there’s usually a maximum amount that you’re covered for.

It tends to be between £250 and £1,500, depending on your boiler insurance policy and provider. Others offer unlimited cover.

Similarly, some policies allow unlimited call-outs, whereas others might limit you to two a year.

If you know you’ve got an expensive boiler, you’ll need to make sure your policy covers the cost of replacing it if it breaks. If a new boiler can cost up to £2,500, look carefully at the limit on each policy when comparing quotes.

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How do I compare boiler cover?

To perform a boiler cover comparison, click on the get quotes button at the top of this page and fill in your information. You’ll get a list of quotes that mean you can compare your options and make a decision that suits you.

Don’t automatically go for the cheapest option when comparing boiler service prices. Make sure you look carefully to get the best boiler cover for your needs. You might like to look at boiler cover reviews online too.

Can I switch boiler cover providers?

Possibly, but you should check the terms and conditions of your current cover before starting the switching process.

Different providers have different cancellation policies, so make sure to read the fine print to avoid any unexpected charges.

If you pay monthly premiums for your cover, you’ll probably only need to contact your current provider to tell them that you’re cancelling. If you paid for your cover up front, make sure to confirm with your provider that you'll get a refund for the unused part of your existing policy before taking out a new one.

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Why compare home insurance with

By comparing home insurance, you could save money on the policy. The best value Home insurance will offer the cover to your home and content. Choose a cover plan from the best UK home insurance companies and see the online discounts they offer.

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Last updated: 18 May, 2022