There’s not a lot worse than having your boiler break down. Not only is it inconvenient, it could leave you out of pocket too. The good news is that boiler cover can help with the cost of repairs and depending on your policy, it could help you with other household emergencies; here’s how it works and what you can expect to pay.
It’s pretty much as it sounds. It’s an insurance policy that covers your boiler so that if it breaks down, a specialist engineer will try to fix it.
You can buy boiler cover as a standalone policy but it’s also available as part of your home insurance package. Check with our partners at Quotezone, to see what they can save on your home insurance.
Unless your policy says otherwise, you should be covered for parts as well as labour. There might be a call-out fee, but this will depend on your insurer’s conditions.
It can do, but this will depend on what’s included in your policy. Most insurers will offer a range of boiler insurance packages at different price points, depending on what you want covered.
Different levels of cover you can expect to choose from, include:
This is a basic level of insurance that covers the boiler itself, including parts and controls. Anything that’s not part of the physical boiler, won’t usually be covered.
Covers your boiler, parts and controls, and will help fix any issues with your heating if it breaks down.
These comprehensive packages cover the boiler, your central heating and any issues you might have with plumbing and even leaks.
Some insurers will include this within home emergency cover. These policies can also cover the cost of finding and fixing leaks, dealing with burst pipes and sometimes with pest infestations too.
Insurers tend to cover newer boilers, so if yours is more than ten years old, you could struggle to get boiler insurance. That’s not to say cover isn’t available, but your choice of insurer may be limited and you might have to pay a little more.
If you do find cover for an older boiler, your insurer may have a condition that says they won’t replace it if it can’t be repaired.
As with most things, cost comes down to the options you choose. For instance, you can expect basic boiler cover to cost less than a home emergency package that covers your boiler, electrics and drains.
When you compare costs and quotes, remember to look at the excess and how this is charged. Excess is the amount you pay towards a claim, if you don’t pay it, your claim won’t go ahead.
As a general rule of thumb, the higher the excess, the lower the cost of insurance. Agreeing to a high excess can be a good choice if the chances of a claim are low (because your premium will be lower). Of course, the flip side is that if your boiler is getting on a bit and is likely to need some repairs, you may be better off with a low excess but paying a higher premium.
It's also important to know that you’ll usually be expected to pay your excess for each claim you make. For example, if your excess is £60 and you made two claims in one year, you would have paid out £120 in excess.
Terms and conditions aren’t much fun to read but it’s important to familiarise yourself with them so you don’t end up disappointed if you find something isn’t as you expect.
Typical limitations or rules that you often find with boiler cover, include:
Policies often come with a ‘no-claims’ period which means you can’t make a claim during that time. No claims periods usually last a week or two and start from when you take out a policy. In other words, you won’t be able to buy a policy and then make a claim the next day. The reason for this is to stop people from taking out policies when there’s already a problem.
The number of call outs you can have might be limited and you may also be expected to pay for call out charges.
Policies don’t usually pay out unlimited sums of money to fix your boiler. In most cases, there’ll be a limit to what you can claim.
Insurers will expect you to maintain your boiler so you should consider having it serviced annually. If it breaks down and it’s clear you haven’t maintained it, your insurer could refuse to pay out.
Some policies do include an annual boiler service so if you’re forgetful, this can make maintenance much easier.
If you like the sound of boiler cover but aren’t sure about the cost, remember that without it, it’s down to you to pay for all repairs (and find a heating engineer). To find the best deal for you, you can compare quotes right here to see what’s on offer (and more importantly, for how much).
|Cost to replace a hot water immersion heater||£275|
|Cost to fit underfloor heating||£250|
|Cost to service a gas fire||£150|
|Cost to replace a vented hot water cylinder||£330|
|Cost to replace a central heating pump||£95|
|Cost to replace a heating programmer||£180|
|Cost to powerflush a central heating system||£500 Visit|
|Cost to install heating oil storage tank||£1250|
|Cost to replace an oil boiler||£1330|
|New combi or system boiler installation – like for like replacement||£500|
|Cost to move and relocate a boiler||£830|
|Cheap boiler insurance||£10.00 per month|
|Cost to install skirting board heating||£990|
|Cost to install an LPG boiler||£1190|
|Cost to install hydrogen boiler||£1350|
|Cost to install a gas fire||£350|
|Cost to install a chimney liner||£575|
|Cost to install biomass boiler||£1430|
|Cost to install a ground source heat pump||£3750|
|Cheap gas||£110.00 per month|
|Cost to fix a boiler fault error code||£85|
|Cost to replace an unvented hot water cylinder, e.g., Megaflo||£305|
|Cost to fit thermostatic radiator valves (TRVs)||£94|
|Cost to fit smart heating controls||£100|
|Cost to fit a magnetic filter for boiler||£113|
|Cost to fit a heated towel rail||£75|
|Cost to fit a radiator||£80|
|Cost to install a gas cooker or hob||£190|
|Boiler service cost||£90|
|Boiler repair costs (e.g. pump, diverter valve or heat exchanger)||£333|
|Cost to install an air source heat pump||£556|
|Replacement of a vented system||£580|