How to choose the best boiler cover

Boiler repair cover is insurance for your boiler in case it breaks down. You pay a set amount, monthly or annually, and if your boiler needs to be fixed, you can call someone out for free – usually without having to wait too long.

Boiler breakdown cover should include the cost of both parts and labour, as well as the call out charge. It may also include the cost of your annual boiler service, which you should always have done to ensure everything is in good working order.

You can get cover for just your boiler, or boiler and central heating cover for your whole heating and hot water system, and even for other home emergencies, like drains and plumbing. Check, however, that you are not paying extra for things which your home insurance already includes. Some problems – for example, sludge build-up – are also not generally covered.

The benefits of boiler cover

The most obvious benefit of boiler cover is that you won’t be hit with any surprise repair charges. You also won’t have to worry about suddenly finding a reliable engineer when your boiler breaks down – which can be a huge help as time is likely to be of the essence with boiler repairs, particularly in winter. Consumer magazine Which? says most boiler cover providers aim to fix a fault within 24 hours – at Warranty People, we aim to get our engineers to you within four.

What to look for with boiler cover

If you are thinking of taking out boiler insurance, look carefully at what different providers include in their cover. Check the opening hours of their helpline, how quickly they promise to attend a call out, and what costs the cover actually includes – some more basic packages may not include all the parts and labour.

Check if there is a limit on how many call-outs you can make in a year, or if there is an introductory period during which you can’t make any claims. If there is a limit, you’re not likely to reach it unless your boiler is very old – Which? found that on average, people whose boilers were less than six years old were not likely to need more than two repairs in a year.

Is boiler cover worth it?

According to Which?, the average cost of a boiler servicing contract (boiler cover which includes your annual service) is £242 a year. With the average cost of a boiler repair being around £194 and your annual service upwards of £60, it proves worthwhile for many customers.

Bear in mind that the older your boiler is, the more likely it is to need repairs. Often, a small excess can be added for boilers older than ten years, which are more likely to incur faults. At Warranty People, for example, we add a small £75 excess for boilers which are 11 years old or more.

Boiler breakdown cover from Warranty People

For just £9.99 a month, our engineers will come whenever you need them, as often as you need them – we’re at the end of the phone every minute of every day. Find out more about our boiler breakdown cover.