Home Boiler Cover - Mega Guide

In the UK, safeguarding one's home includes preparing for inevitable wear and tear, particularly with central heating systems. As we navigate through 2024, homeowners are presented with a myriad of boiler cover options, each promising varied levels of protection for one's boiler and central heating system. 

The escalating costs associated with emergency repairs underscore the practicality of securing a boiler cover. It serves as a financial safety net, shielding homeowners from unexpected and often exorbitant expenses that arise from boiler malfunctions.

Boiler cover, in essence, is a type of insurance policy for your home's heating system. It guarantees that in the event of a breakdown, the repair costs, parts, and labour could potentially be covered, depending on your policy. However, choosing the right provider and level of coverage requires a careful analysis of what is included and excluded in the policy, the annual cost, and the reputation of the service provider. 

Planning in advance is critical, as is regular maintenance to ensure that the policy remains valid and that the boiler operates efficiently year-round. Understanding the nuances of these policies can be complex but necessary to avoid being left in the cold during the winter months.

What is home boiler cover?

Home boiler cover is a form of insurance designed to manage the costs and repairs associated with boiler and central heating systems.

Home boiler cover essentials

Home boiler cover acts as a safety net, ensuring that if a boiler breaks down or encounters issues, the costs for repairs and labour are typically managed through regular payments. This coverage often extends to other aspects of the home heating system, and packages can include annual servicing to help maintain boiler health.

Types of Boiler Cover Policies

• Boiler-only cover: This basic level protects just the boiler and its controls.

• Boiler and central heating cover: This broader policy covers the boiler as well as the entire central heating system.

• Full home cover: This comprehensive option includes plumbing, drains, and sometimes electrical systems and pest control.

What Boiler Cover Includes;

Policies usually cover:

• Repairs: Handling unexpected breakdowns and malfunctions.

• Labour and call-out charges: Fees associated with getting a professional to examine and fix the boiler.

• Parts and replacement: If parts of the boiler or heating system need replacing, this is often included.

• Servicing: Annual check-ups to ensure the system is running efficiently.

Why Do I Need Home Boiler Cover?

Home boiler cover is designed to provide homeowners with both financial protection and reassurance in the event of boiler issues. It often includes servicing and repairs which can lead to substantial cost savings over time.

Peace of Mind

Boiler cover offers homeowners the certainty that their boiler and heating system are safeguarded in the case of unexpected breakdowns. The annoyance and inconvenience caused by a malfunctioning boiler, especially during the colder months, are significantly lessened with a cover plan in place. Knowing that one can access professional assistance usually with a simple phone call can provide a significant sense of comfort.

• Quick response: Many cover plans promise rapid repairs, sometimes even offering a 24/7 helpline.

• Professional repairs: Cover usually ensures any issues will be addressed by a qualified technician.

How Much Can I save?

The financial aspect of boiler cover is a vital consideration. Should a boiler or part of the heating system fail, the cost of repairs or replacements can be substantial. With various cover options available, homeowners can select a package that fits their needs and potentially avoid large one-off expenses.

• Predictable expenses: Monthly or annual fees for boiler cover can help budget household expenses more effectively.

• Potential long-term savings: Although there's an ongoing cost for cover, it can mitigate the risk of facing unexpected hefty bills from emergency repairs.

How much does home boiler cover cost? (2024)

In 2024, home boiler cover prices in the UK vary, influenced by the level of cover chosen and additional services included, such as annual boiler servicing. To manage the costs associated with boiler maintenance pragmatically, homeowners are considering boiler cover plans.

Cost Comparison-

British Gas, a prominent provider, offers a plan that includes boiler, annual service, and central heating coverage at £21.88 per month, after an initial £60 fee, with repair costs up to £1,000. On the other hand, a one-off gas boiler service can range from £80 to £120, usually averaging at £100. It's evident that the prices can fluctuate based on the service options included.

Opting for a policy that integrates annual servicing may present a cost-effective solution, as standalone services contribute additional expenditure.

Factors Affecting Price

Various elements play pivotal roles in determining the price of boiler cover:

• Type of boiler: Certain boilers, due to their complexity or rarity, may incur higher cover costs.

• Level of cover: Basic contracts typically cover boiler repairs, with more comprehensive options encompassing full heating systems.

• Excess fees: Some policies might offer a lower monthly rate in exchange for a higher call-out or excess fee.

• Age of the boiler: Older boilers often present more risks and can, therefore, increase premium costs.

• Annual service inclusion: Packages including servicing can potentially offer savings compared to separate servicing costs.

• Provider: Different insurance companies offer varied pricing structures and levels of service.

It's crucial for homeowners to scrutinize these factors closely and select a plan that balances comprehensive coverage with reasonable cost.

Can I Purchase an iHeat Boiler With My Insurance?

To get a new boiler from iHeat with your insurance claim, get a fixed quote from our website and speak with your insurance provider.

Once you have made a claim, find your quote and go to checkout, where you can choose to pay by card or by finance, in which case you will fill in the finance application. Make sure to select the option for applying through insurance.

Their contribution will usually be taken as the deposit or cover the cost of the boiler and you may be expected to pay the remaining fees for installation, depending on your policy.

Get a quote

Choosing a home boiler cover Provider

When selecting a home boiler cover provider, homeowners should thoroughly evaluate the insurer's offerings and ask specific questions to ensure the cover meets their needs.

Selecting the Right Insurer

Homeowners are advised to research various insurers, comparing price, level of cover, and customer feedback. Factors such as the age of the boiler and the presence of an annual service may affect premiums. Providers such as British Gas offer policies including an annual service, a significant consideration for many.

• Price: Look at whether it is more cost-effective to pay annually or monthly.

• Level of Cover: Full coverage may include central heating, plumbing, and drains.

• Excess: Some policies have a fixed excess, while others do not.

• Claims Process: A straightforward process can alleviate stress during emergencies.

• Customer Reviews: Reviews might shed light on the reliability and customer service experience.

Must-ask Questions

Prior to committing to a policy, homeowners should obtain clear answers to several pertinent questions:

1. What exactly does the policy cover?

   • Does it include the boiler only, or does it extend to the entire central heating system, plumbing, and electricals?

2. Are there any exclusions or situations where a claim might be rejected?

   • Some policies may not cover older boilers or certain types of repairs.

3. Is there a limit on the number of claims or the cost of repairs?

   • Policies often have an annual cap on repair costs, which can range widely.

4. Is an annual service included?

   • Regular servicing can be key to maintaining the warranty and the efficient operation of the boiler.

5. What is the process for emergency call-outs?

   • An understanding of response times can be crucial, especially in winter months.

By addressing these questions, homeowners can gauge the value and suitability of the boiler cover, ensuring they opt for a provider that aligns with their specific needs.

Policy Exclusions

Before signing a home boiler cover contract, it is critical to review specific policy exclusions. This ensures clarity on events and circumstances under which the policy does not provide cover.

Common Exclusions

Age and model of the boiler: Many insurers do not cover boilers beyond a certain age, which is often around 15 years. They may also exclude certain models or brands from cover.

• Boiler maintenance history: Homeowners must usually provide proof of regular servicing. Lack of annual service records can lead to claim rejections.

• Boiler usage: Some policies exclude cover if the boiler is used for business purposes or is part of a non-standard heating setup.

• Pre-existing conditions: Issues known before the policy start date are commonly excluded to prevent fraud.

Component exclusions: Parts not integral to the boiler's operation, like cosmetic fixtures, may not be covered. The policy might list specific components that are excluded.

• Scale and sludge: Damage due to limescale or sludge build-up may not be included. Insurers often consider this as a maintenance issue.

• External factors: Damage from freezing conditions, subsidence, or third-party interference might be omitted from coverage.

Claim limits: Policies frequently set a maximum amount they will pay per claim, over the policy year or through the policy's duration.

• Repair and replacement: Some insurers cover repairs but not full replacements. Others may limit the number of claims that can be made in a year.

Type of damage: Accidental damage may be covered, but deliberate damage or normal wear and tear are usually excluded from policy benefits.

Home Boiler Cover Comparison Example 2024

Hometree Your Boiler Essentials (£95 excess)

Cost: From £3.45 per month

Callout Fee: £95.00

Coverage:

• Gas boiler, flue & controls

• Gas supply pipe

• Free replacement of your boiler if deemed beyond Economic Repair and it’s less than 7 years old

Exclusions:

• Intermittent or non-emergency faults

• Wider central heating system

• Plumbing & water supply pipes

• Unblocking of drains & waste pipes

• Removal of sludge, scale or repairing damage caused by this

British Gas Boiler and Controls Breakdown Cover

Cost: From £3.50 per month

Callout Fee: £99.00

Coverage:

• Gas boiler and controls

• Parts and labour

• Online engineer booking

Exclusions:

• Annual boiler service

• Accidental damage

• Central heating system

• Showers or taps

• Removing sludge or limescale

EDF BoilerCare Gold (£95 excess)

Cost: From £10.40 per month

Callout Fee: £95.00
Coverage:

• Boiler and controls

• Annual boiler service

• Repairs by Gas Safe engineers

Exclusions:

• Accidental, cosmetic or malicious damage

• Sludge, blockages, or hard water scale deposits

• Costs incurred from not being able to use your heating equipment

Hometree Your Boiler (£95 excess)

Cost: From £12.30 per month

Callout Fee: £95.00

Coverage:

• Annual boiler service

• Gas boiler, flue & controls

• Gas supply pipe

• Free replacement of your boiler if deemed beyond Economic Repair and it’s less than 7 years old

Exclusions:

• Wider central heating system

• Plumbing & water supply pipes

• Unblocking of drains & waste pipes

• Removal of sludge, scale or repairing damage caused by this

EDF BoilerCare Gold (£50 excess)

Cost: From £13.60 per month

Callout Fee: £50.00

Coverage: Same as EDF BoilerCare Gold (£95 excess)

EDF BoilerCare Gold (£0 excess)

Cost: From £18.40 per month

Callout Fee: £0.00

Coverage: Same as EDF BoilerCare Gold (£95 excess)

British Gas HomeCare Basic

Cost: From £19.00 per month

Callout Fee: £60.00

Coverage: Same as British Gas Boiler and Controls Breakdown Cover

Hometree Your Boiler (£0 excess)

Cost: From £21.76 per month

Callout Fee: £0

Coverage: Same as Hometree Your Boiler Essentials (£95 excess)

How to Arrange Boiler Cover

Securing a boiler cover in the UK can protect homeowners from unexpected repair costs and ensure peace of mind. The cover typically includes the cost of callouts and repairs, with some policies also offering annual boiler servicing.

Step-by-Step Guide

1. Research: Homeowners should start by researching different boiler cover providers. They ought to look for companies that offer services in their area and compare the coverage details and prices. Important factors to consider include call-out times, customer reviews, and whether the policy includes an annual service.

2. Compare Policies: Utilise comparison websites or direct quotes from insurance providers to evaluate the different levels of coverage and exclusions. Look closely at what is included, such as repairs to controls, radiators, or the entire central heating system. It’s particularly important to check the claims process to ensure it is straightforward.

3. Evaluate Cost-Effectiveness: When reviewing policies, ensure the cost corresponds with the level of cover. Bear in mind that the cheapest policy may not always be the most cost-effective if it provides inadequate cover. The policy pricing might include a monthly fee or an upfront annual cost, which sometimes could be more cost-effective.

4. Check for Additional Services: Some policies might offer additional services like an annual boiler service, which can save on maintenance costs. Ascertain whether the plan includes regular servicing, which not only maintains the boiler's efficiency but may also be a requirement of the policy.

5. Read the Terms Carefully: Prior to purchasing a policy, it's imperative to read the terms and conditions thoroughly. Make sure to understand the excess fee structure, coverage limits, and any scenarios that may not be covered by the policy.

6. Purchase the Cover: Once a suitable policy is chosen, the homeowner can complete the purchase online or over the phone. Personal and payment details will be required, and documentation should be issued upon confirmation of the policy.

7. Schedule an Initial Inspection: If the service includes an annual inspection or requires an initial check by a gas-safety registered engineer, organise this promptly. This ensures the boiler is in good working order and satisfies the insurer's policy standards.

8. Keep Documentation Accessible: After arranging the cover, store all related documents securely. This includes the policy itself, contact details for claims, and any records of communication or receipts for services. Having this information readily available can expedite the claims process if needed.

By following these steps, homeowners can arrange adequate boiler cover that aligns with their requirements, ensuring that they are protected against unforeseen breakdowns and repairs with reliable support at hand.

Boiler Maintenance Tips

Regular maintenance of a boiler is crucial for ensuring efficiency, safety, and reliability. Here are concise, practical tips for homeowners:

1. Annual Service: Have the boiler serviced annually by a qualified engineer. This keeps it running smoothly and can highlight potential issues.

2. Check the Pressure: The boiler's pressure should be between 1-1.5 bar when cold. If it's too low, you’ll need to re-pressurise the system.

3. Bleed Radiators: When radiators have cold spots, use a radiator key to bleed them. Turn the heating off first to avoid trapping more air.

4. Look at the Flame: The boiler flame should be a clear blue. If it’s yellow or smoky, there could be a combustion problem.

5. Flue Inspection: Ensure the flue is clear and unobstructed to allow gases to escape safely.

6. Clear the Area: Keep the area around the boiler clear to maintain ventilation and allow easy access for maintenance checks.

7. Error Codes: Familiarise yourself with the boiler's common error codes for quick troubleshooting.

8. Insulation: Properly insulate pipes to prevent freezing during cold weather.

9. Power Flush: Consider a power flush to clear sludge from the system if you have poor circulation or noisy pipes.

They should also heed any advice given by the boiler manufacturer and retain all documentation for reference. Responsible maintenance is an investment in the longevity and performance of their heating system.

iHeat

At iHeat all of our subcontracted engineers are Gas Safe registered and can service your boiler swiftly and safely. Prices of an expert boiler service with iHeat start from £99.These figures might fluctuate regionally and can also depend on the specific type of boiler you own, such as a combi, gas, or oil boiler. 

Get a quote

Emergency Procedures

In the event of a boiler breakdown, homeowners should promptly follow a series of well-defined steps to ensure a swift resolution. These steps are critical for safety, immediate remedy, and maximising the efficacy of their boiler cover policy.

Immediate Actions

1. Safety First: Homeowners must firstly ensure the safety of all occupants by promptly switching off the boiler and gas supply, if it is safe to do so. They should then ventilate the area, particularly if there is a suspicion of a gas leak, and contact the Gas Emergency Services on 0800 111 999.

2. Assess the Issue:

• Check for obvious signs of the boiler malfunctioning, such as error codes on the display panel.

• Do not attempt to fix the problem unless it is a simple issue such as reigniting the pilot light, for which the appliance's manual will provide specific instructions.

3. Temporary Solutions:

• In cases where heating is lost, homeowners should find alternative ways to keep warm safely, such as utilising electric heaters.

• It is advisable to prevent pipes from freezing by allowing a trickle of water to run from the taps during extremely cold weather.

Claiming on Your Policy

1. Contact Your Provider:

• Policyholders must contact their boiler cover provider at the earliest opportunity. A helpline number is commonly found in the policy documents.

2. Policy Details and Excess:

• The homeowner should have their policy details on hand. This will include personal details and the policy number.

• They should be ready to pay any applicable excess fee directly to the engineer or through the provider.

3. Arranging the Call-out:

• The provider will typically arrange a certified engineer to visit the property. The policy will outline if there's a limit to the number of call-outs per term.

• The homeowner should confirm the timing for the engineer's visit and if there are any immediate actions that they can take in the meantime.

4. Documentation and Records:

• Keep all receipts and detailed records of interactions, as these might be neccessary to submit as part of the claim process.

• Ensure that all the repair works are documented by the engineer for future reference.

By understanding the specific procedures to be followed during a boiler emergency, homeowners can navigate these stressful situations with confidence.

iHeat New Boiler Costs

Boilers can be a daunting purchase for many people as they’re an appliance with a lot of responsibility, providing heat for you and your family is something you want to get right. Boilers aren’t exactly a quickly disposable item either, potentially lasting you a decade.

Effectively, new boiler cost can be split into two segments: the first is the actual boiler itself (unit price), and the second is the cost of the boiler being installed (set up) in your property by an expert engineer. 

Here at iHeat, we want to remove all of this undue stress and make the decision making process of upgrading to a new central heating system, as easy as possible.

Boiler costs can vary depending on a number of factors including their brand, model, fuel, output, warranty, labour and installation type. Typically a new boiler will cost between £1,845 and £3,500, below is a list of average boiler installations offered by iHeat (guide only).