If your boiler stops working it could leave you without heating and hot water, as well as an expensive repair bill.

The cost of repairing or replacing your boiler can run into the thousands of pounds, so it pays to have an insurance policy that can cover it.

What does it cover?

A boiler breakdown insurance policy can cover the cost of:

  • Replacement parts

  • Calling out an engineer to your home

  • Annual boiler service

This comparison shows what cover options each policy offers.

What can you claim for?

Most policies cover repairs and replacements for:

  • Boiler and controls, which means you can call out an engineer if your boiler or the thermostat stop working.

  • Central heating, which means you can cover the cost of repairs to things like your radiators and hot water cylinder.

If you want a policy that can also cover things like your plumbing, drains and home electrics, consider getting a home emergency insurance policy.

Here is what a home emergency policy can cover you for.

Check the claim limit

Most policies have a maximum amount you are covered for each time you make a claim.

This is usually between 250 and 1,500 depending on the insurer, but some policies offer unlimited cover.

If you have an expensive boiler, make sure your policy can cover the cost of replacing it if it breaks down. It can cost up to 4,000 to replace your boiler, so use this comparison to see what limit each policy offers.

Watch out for exclusions

All boiler insurance policies include exclusions that are not covered, for example:

  • Older boilers, for example over seven years old

  • General maintenance

  • Non gas appliances

  • Faulty showers or taps

Most insurance companies only cover gas boilers, but you can find policies for boilers that use oil. Use this comparison to see what fuels each policy covers and to find the best service plan for your boiler.

Boiler insurance FAQs


Will my home insurance cover my boiler?


It might do if you have home emergency cover included, but most policies do not cover boilers as standard.


Is boiler insurance different to home emergency cover?


Yes, because it only covers your boiler and not things like your plumbing or electrics.


What types of boilers can I cover?


Most policies cover gas boilers, as well as conventional, condensing and combination boilers. You may need specialist cover for an oil fired boiler.


Should I get boiler cover if I am a landlord?


Yes, because it can cover expensive bills if the boiler in your rented home breaks down. Here is more on how landlord boiler cover works.


Do I have to pay an excess when I claim?


Yes, most boiler insurance policies come with an excess of around 60, but you may be able to reduce this amount when you take out cover.

About our home insurance comparison


Who do we include in this comparison?


We include boiler insurance policies and service plans available from our panel. Here is more information about how our website works.


How do we make money from our comparison?


We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.