With winter coming, also comes the need for homeowners to prepare their heating systems for the colder months. One of the most essential elements of any household heating system is the boiler, responsible for keeping us warm and comfortable throughout the winter.
However, like any other appliance, boilers are prone to breakdowns and failures, leading to cold homes and uncomfortable living conditions. That’s where boiler cover comes in, offering peace of mind that your boiler will be protected in case of any mishap, breakdown, or emergency.
In this article, we’ll explore the best boiler cover options available to help you keep your home warm and cosy this winter. So, get ready to discover how boiler cover can save you time, money, and stress, all while keeping you and your family warm and comfortable.
Key Takeaways: Best boiler cover
- Boiler cover can save you time, money, and stress by providing immediate assistance and ensuring your heating system is always in good working order.
- The cost-effectiveness of boiler cover depends on your individual situation and budget. It may be financially worthwhile for some, while others may find it more cost-effective to pay for repairs when needed.
- When choosing boiler cover, consider factors such as the type and age of your boiler, the level of coverage required, and the reputation of the provider.
- Boiler cover options vary, from basic repairs and servicing to full system replacements. It’s important to choose a plan that suits your specific needs and budget.
- Older boilers can still be covered, although finding coverage may be more challenging. It’s recommended to consider the availability of spare parts and choose a plan that includes annual servicing.
- Home insurance policies may cover boiler repairs, but it’s important to check the policy carefully to understand the coverage and limitations.
Finding the best boiler cover
There are several different types of boiler cover available, each offering its own unique benefits and features. Some policies cover basic repairs and maintenance, while others provide more comprehensive coverage for more serious issues. Many policies also include added extras such as annual boiler servicing, 24-hour helplines, and even heating system inspections to ensure that everything is working correctly.
When choosing boiler cover, it’s important to consider your budget, the age and condition of your boiler, and the level of coverage you require. Some policies are tailored specifically to older boilers, while others are designed for newer systems. It’s also important to read the fine print carefully to ensure that you understand exactly what is covered and what isn’t, so that you can make an informed decision that’s right for you and your home.
Ultimately, investing in boiler cover can save you a great deal of time, money, and stress in the long run, as it provides a safety net for those unexpected problems that can occur with your boiler. So, if you want to stay warm and cosy this winter, consider opting for boiler cover and enjoy the peace of mind that comes with knowing your heating system is protected.
Factors to consider
So, what are the best boiler cover options available to you? Depending on your needs and budget, you can choose from a range of plans that offer different levels of coverage, from basic repairs and servicing to full system replacements. Some plans also include additional benefits such as annual boiler servicing, 24-hour emergency callouts, and unlimited repairs.
When selecting a boiler cover plan, it’s important to consider factors such as the age and type of your boiler, as well as your household’s heating usage patterns. Newer boilers may require less coverage than older ones, while larger households with high energy demands may want to opt for a more comprehensive plan.
Ultimately, investing in boiler cover can save you a lot of time, money, and stress in the long run. By ensuring that your boiler is always in good working order, you can enjoy a warm and comfortable home without worrying about costly repairs or unexpected breakdowns. So, if you’re looking for a reliable way to protect your heating system this winter, be sure to explore your boiler cover options today.
What is boiler cover and why do you need it?
Boiler cover is a type of insurance policy that can offer peace of mind in case of a boiler breakdown. It covers the cost of repairs, replacement parts, labour, and even an annual boiler service. No one wants to be left without hot water or central heating in their home, especially in the depths of winter.
That is why having boiler cover is essential. It protects both your boiler and central heating system and provides immediate assistance if anything goes wrong in your home. The cost of cover varies by provider and depends on the type of cover you choose. You can usually pay for cover upfront each year or in monthly instalments, but it is typically more expensive to pay monthly.
There are three main types of boiler cover to choose from: cover for the boiler and its controls, cover for the whole heating system, and cover with additional extras like plumbing, drains, electrics, and pest infestations. However, cover limits can differ by provider, and there may be limits on the number of claims you can make in a year, as well as a limit on repair costs.
Boilers can break down even when they are new. In fact, a boiler has a 50% chance of breaking down in the first six years of their lifespan. Therefore, having boiler insurance is crucial to cover the cost of boiler repairs for emergencies. Even if your boiler is efficient and regularly maintained, unexpected faults can happen at any time. It’s best to play it safe and have boiler cover to avoid costly repairs.
The insurance will give you access to a certified Gas Safe heating engineer, who can service your boiler annually and provide immediate assistance during emergencies. With boiler cover, you can have peace of mind knowing that you won’t be left in the cold if your boiler malfunctions. [1][2]
Is boiler cover cost-effective?
When it comes to deciding whether boiler cover is cost-effective for you, there are a few things you need to consider. Firstly, our research shows that boiler cover is financially worthwhile for very few people. Paying for services and repairs when you need them works out cheaper than taking out boiler cover in most cases. However, having a policy in place can offer peace of mind, especially during those colder months.
Secondly, it’s essential to evaluate how important peace of mind is to you and whether there’s another cheaper way you can obtain it. Do you have enough savings to get your boiler repaired or replaced in case of a breakdown? Could you set aside monthly savings towards a boiler repair or replacement instead of paying a provider?
Thirdly, consider how likely it is that you’ll need an emergency call-out. In case of a breakdown, you can use our Which? Trusted Traders tool to find trusted engineers in your area. Standard home insurance policies won’t usually cover the cost of repairing or replacing a broken boiler, but many providers offer “home emergency cover” as an extra if you’re willing to pay for it.
Finally, if you do decide to opt for boiler cover, it’s worth shopping around to find a provider that offers the most comprehensive coverage for a reasonable price. You can use our research and customer score ratings to compare different providers’ plans’ quality and value for money. Ultimately, the decision to get boiler cover should be based on your individual situation and budget. [3][4]
What does boiler cover include?
When it comes to finding the best boiler cover for your home, it’s important to know what you’re looking for. First and foremost, you should ensure that the boiler cover you choose covers your specific type of boiler. Additionally, it’s important to choose a plan that has flexible coverage options, so you can tailor it to your needs. Another important factor is the reputation of the provider, particularly in terms of their helpline efficiency, callout times, and repair success rates.
A good boiler cover plan should not exclude items that are likely to cause a boiler breakdown, although sludge buildup is typically excluded from coverage. It’s important to carefully read through the exclusions listed in any policy you’re considering, to make sure you understand what is and isn’t covered. Ideally, the best boiler cover plans should also include an annual boiler service as well as a landlord safety gas inspection if you’re a landlord.
When it comes to callout fees, the best boiler cover providers will offer a range of options, such as a low or zero callout fee in exchange for higher premiums or a higher excess fee for lower premiums. It’s important to carefully consider these options to find the right balance for your needs and budget.
Ultimately, the best boiler cover providers are those that offer a comprehensive level of coverage at an affordable price. WarmZilla, YourRepair, 24|7 Home Rescue, and British Gas all offer strong options for homeowners and landlords alike, with varying levels of coverage and premium costs.
By carefully reviewing your options and considering your specific needs, you can find the best boiler cover plan for your home and enjoy peace of mind knowing that you’re covered in case of a boiler breakdown. [5][6]
Can you get cover for an older boiler?
Have you been hesitant about getting boiler cover for your older boiler? While it may seem difficult to find coverage for an older boiler, it can still be worth it. Boiler cover is an important type of insurance that can give you peace of mind and save you money in case of an emergency.
If your older boiler often experiences problems, then it’s a smart move to get coverage. However, finding coverage for older boilers can be a bit more challenging as some companies may refuse to cover them.
When searching for coverage for an older boiler, consider the availability of spare parts as this can affect coverage options. Some cover plans are specific to the boiler and its controls, while others include coverage for the central heating system, electrical wiring, and pest treatment.
Full system boiler coverage includes all the benefits of boiler-only plans plus all other components of the system. While some cover plans include annual servicing, it’s recommended to still schedule an annual service regardless of your coverage.
While it may cost a monthly or quarterly premium, paying for boiler cover in the long run can save you money on repairs and energy bills. In case of a breakdown, getting immediate assistance on call or having a certified engineer visit can also save you time, effort, and further damage to your older boiler. So don’t hesitate, search for coverage options that are suitable for your older boiler and get the peace of mind you deserve. [7][8]
How much does boiler cover cost?
When considering boiler cover, one of the most important factors to consider is the cost. So, how much does boiler cover cost? Well, the answer to this question will depend on a few key factors. Firstly, the type of package you choose will impact the cost.
Most providers offer different packages with varying levels of coverage at different price points. The more comprehensive the coverage, the higher the cost of the package. Secondly, the age and condition of your boiler will also be a factor in determining the cost. The older your boiler is or the more wear and tear it has, the more expensive your coverage will be.
Additionally, the size of your home and the number of radiators you have will also impact the cost. Generally speaking, you can expect to pay anywhere from £8 to £25 per month for boiler cover. Keep in mind that although this may seem like an additional expense, it can actually save you money in the long run by avoiding costly repair bills.
And with so many affordable options available, it’s worth looking into the different packages available to find one that fits your budget and needs. [9][10]
Is peace of mind worth the extra cost?
Boiler cover is becoming increasingly popular as boilers always seem to break down at the most inconvenient times. But is peace of mind worth the extra cost for boiler cover? The answer is subjective, and it ultimately depends on your financial situation and whether a broken boiler would be a financial disaster for you.
Having boiler breakdown cover is a way to smooth out the impact of hefty repair bills, but it comes at a cost and is not right for everyone. For some, having a policy in place offers peace of mind as they know they will be covered if their boiler breaks in the depths of winter, and that peace of mind is worth the extra cost in the long run.
If you are someone who does not have enough savings to get your boiler repaired or to replace it in a worst-case scenario, then it might be worth considering boiler cover to keep your home warm if the worst happens. Remember that standard home insurance policies are unlikely to cover the cost of replacing or repairing a broken boiler unless you pay extra for “home emergency cover” instead of boiler cover.
Before signing up for boiler cover, check that you are not already paying for boiler cover as an extra on your home insurance policy.
Most boiler cover plans won’t pay if your boiler has not been correctly maintained, so an annual boiler service is vital. Some policies include the service as part of the policy, but it’s always best to double-check. Boiler cover is an insurance policy that you buy to help cover the cost of getting your boiler working again if it breaks.
You can choose the level of cover that suits you, ranging from boiler-only cover to boiler heating plumbing, drains, and home electrics cover. Be sure to choose a policy with unlimited claim cost, which will also replace your boiler if it’s no longer economical to repair it.
Ultimately, whether peace of mind is worth the extra cost for boiler cover varies from individual to individual and depends on your financial situation. [11][12]
Can home insurance cover boiler repairs?
If you own a boiler, you know how important it is to have it in working condition, especially during the colder months. But what happens when your boiler breaks down, and you need repairs? One of the ways you can protect yourself from hefty repair costs is by having home insurance.
Luckily, most home insurance policies will cover the cost of boiler repair. However, it’s important to read the policy carefully to understand what is and isn’t covered. For instance, if the breakdown is due to negligence or misuse, or not a listed peril, then it may not be covered.
If your policy does cover boiler repair, there may still be a limit to how much it covers. In such cases, you may have to foot some of the bills by yourself. Nonetheless, contacting your insurer as soon as possible is crucial if your boiler stops working.
On the other hand, if your policy doesn’t cover boiler repair, all is not lost. You still have several options, including the manufacturer’s warranty or equipment breakdown insurance. While the latter may attract a deductible, it’s usually not as high as a typical policy.
In summary, if you want to ensure that your boiler is always in good working condition, it’s important to have the right insurance coverage. That way, you won’t have to worry about the financial burden that comes with boiler breakdowns. [13][14]
How to find trusted engineers for boiler repairs?
When it comes to boiler repairs, finding trusted engineers to do the job for you is crucial. Not only can it be expensive to fix, but a poorly repaired boiler can be dangerous. So, where do you start when it comes to finding the right people for the job?
First and foremost, you want to check that they are Gas Safe registered. This means that they have been trained and assessed to work safely and legally on boilers and other gas appliances. You can check this by looking up the engineer on the Gas Safe Register website.
Another way to find trusted engineers is by asking for recommendations from friends, family, and neighbours. If someone you know has had a good experience with an engineer, chances are you will too. Additionally, check online reviews and ratings to get a broader view of the service the engineer provides.
It’s also a good idea to get multiple quotes from different engineers to find the best price. Make sure that the quote includes a breakdown of costs for parts and labour, so you can compare it with other quotes accurately. Don’t be afraid to ask questions to clarify anything you’re unsure about.
When you’ve found an engineer you’d like to work with, it’s important to check that they have liability insurance. This will cover the cost of any damage caused during the repair process. Lastly, make sure to keep hold of their contact details so that you can get in touch if you have any further issues or need future repairs.
By following these steps, you can find a trusted engineer for your boiler repairs, giving you peace of mind that the job is being done safely and effectively. [15][16]
Ratings and recommendations for boiler cover providers.
When looking for boiler cover, it’s important to consider the ratings and recommendations of various providers. In the UK, there are many companies that offer boiler cover, and it’s essential to choose one that suits your needs. One highly rated option is HomeTree.
This home care company offers nationwide coverage for your house, including protection for your boiler, heating, plumbing, and drains. They also guarantee no price hike if you don’t make a callout and provide a 24/7 emergency line for home problems.
Another highly recommended option is WarmZilla. Their plans have been evaluated against six selection criteria to determine the best boiler cover providers in the UK. These criteria include effective coverage of various boiler types, flexibility in choosing the right package, a strong reputation, a comprehensive list of inclusions and exclusions, a regular annual boiler service, and a range of callout fees. WarmZilla boasts some of the most affordable zero-excess policies on the market, meaning you won’t have to pay anything out of pocket when making a repair call.
YourRepair Boiler Cover and 24|7 Home Rescue Boiler and Heating Plan are also rated among the best options. They provide flexible and competitive plans, quick and reliable support, and high-quality repairs. British Gas Home and Boiler Cover is also a solid choice, offering the peace of mind that comes with hiring a large established company. Keep these options in mind as you consider which boiler cover provider is right for you. [17][18]
| Feature | WarmZilla | YourRepair | 247 Home Rescue | British Gas | Hometree |
|---|---|---|---|---|---|
| Price | Affordable prices starting from £9.99 per month | Prices starting from £5.50 per month | Prices starting from £3.72 per month | Prices starting from £14 per month | Prices starting from £8.33 per month |
| Coverage | Covers boiler, controls, and central heating system | Covers boiler, heating, plumbing, and electrics | Covers boiler, heating, plumbing, and electrics | Covers boiler, heating, plumbing, and electrics | Covers boiler, heating, plumbing, and electrics |
| Callouts | Unlimited callouts | Unlimited callouts | Unlimited callouts | Up to 3 callouts per year | Unlimited callouts |
| Excess | No excess | £60 excess | No excess | £99 excess | No excess |
| Additional Benefits | 24/7 helpline, online booking system, 14-day cooling off period | 24/7 helpline, online booking system, free annual boiler service | 24/7 helpline, online booking system, unlimited claims | 24/7 helpline, online booking system, free annual boiler service, HomeCare One customers receive a discount | 24/7 helpline, online booking system, free annual boiler service, LGSR (Landlord Gas Safety Record) included in some plans |
Note that this is just a summary of the main features, and there may be additional features or limitations not included in this table. It’s always best to consult the provider’s website or policy documents for more detailed information.
Who needs to take out boiler and central heating cover?
If you own a house or a flat with a natural gas heating system, you should consider taking out boiler and central heating cover. This type of insurance provides you with assistance in case your boiler breaks down and affects your home’s heating and hot water supply. With boiler cover, you can rest assured that you’ll receive 24/7 support, 365 days a year, so you can rely on getting help whenever you need it.
Even if your boiler is new, it’s still wise to have cover in place in case any unexpected issues arise. Most boiler cover policies can include an annual boiler service, which is an essential check on the condition of your boiler, ensuring that it’s operating efficiently. A boiler service also gives you peace of mind, knowing that your heating system is safe and functioning correctly.
Boiler and central heating cover is available for homeowners and landlords alike, and the plans provided are identical except that landlord cover includes the CP12 certificate. Some providers offer flexible plans from which you can choose coverage that suits your needs, while others have more comprehensive plans that come with an annual boiler service and a landlord safety gas inspection.
Taking out boiler and central heating cover can save you money in the long run. Instead of paying for expensive repairs or a costly replacement, you can benefit from having a team of Gas Safe registered engineers available to fix any issues. With no claims limits, you can call for help as many times as you need to, and some providers even offer incentives, such as discounts on a new boiler, to their loyal customers. [19][20]
Difference between a boiler cover and maintenance and care plan?
When it comes to boiler protection, there are different options to choose from. The most basic is a boiler service plan, which only includes an annual boiler service. This type of plan is best suited for those who have had a new boiler installed and need to ensure that they have an annual boiler service to keep their warranty valid. Although it is the cheapest option, it does not include repairs and covers only the boiler. The main advantage of this type of plan is that it helps spread the cost of an annual boiler service over 12 months, and it takes over the responsibility of planning the service.
A boiler care plan is a more elaborate option that sits between a boiler service plan and a boiler insurance plan. This type of plan offers three levels of protection, ranging from boiler repairs only to full central heating system repairs. Unlike a service-only plan, a care plan includes minor repairs and an annual boiler service.
A retainer-type care plan charges a lower monthly fee and provides priority response as well as discounts on the advertised rates with no additional call-out fee. A cover-type care plan includes all parts and labour in the price, so you won’t have to pay any additional fees.
Boiler insurance plans offer the most comprehensive cover. They provide boiler and central heating system repairs, including all parts and labour in the price, with fewer exclusions. Unlike care plans, boiler insurance plans do not have a monthly fee or retainer. Instead, you pay for the cover annually or monthly.
Although this is the most expensive option, it provides an all-inclusive cover with no additional fees to worry about. Boiler insurance plans are ideal for those who want complete peace of mind and do not want to worry about any unexpected and potentially expensive repair bills.
In conclusion, when deciding which type of boiler protection plan is best for you, consider your boiler’s age, condition, and warranty status. If you have a new boiler and need to ensure your warranty remains valid, a boiler service plan is sufficient. However, if your boiler is older, it may be time to consider a boiler care plan or insurance plan to provide more comprehensive protection. [21][22]
What about the excess?
When choosing the best boiler cover, one important factor to consider is the excess fee. Some cover plans offer a zero-excess policy, where you don’t have to pay anything out of pocket when calling for boiler repairs. However, this typically means higher premiums.
On the other hand, plans with higher excess fees mean paying a bit upfront when a technician visits for repairs, but this can lower your premiums. It’s important to evaluate your budget and how much you are willing to pay upfront versus over time.
Aside from the excess fee, it’s crucial to check the coverage and exclusions of the boiler cover plan before signing up. The best boiler cover should cover the majority of popular boiler types and offer flexible package options that suit your needs.
Additionally, it should come with an annual boiler service and include a landlord safety gas inspection if you’re a landlord. The provider should have a good reputation for helpline efficiency, callout expediency, and repair success, and not exclude items likely to cause a boiler breakdown (with the exception of sludge buildup).
It’s also essential to compare the costs of boiler cover with the expense of paying for services and repairs when needed. Research shows that boiler cover isn’t always cost-effective, and paying for services and repairs can work out cheaper in most cases.
However, having a policy in place can provide peace of mind, especially during the colder months. Ultimately, it’s up to the individual to evaluate their priorities and budget when deciding whether to opt for boiler cover and which plan to choose. [23][24]