What is Boiler Cover… And do I really need it?
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You may have already heard of Boiler Cover. You probably assumed that it was one more expense that you could manage without.Boiler Cover, like any form of insurance, seems superfluous when you donโt need it. However, it can be tremendously useful when your faithful boiler starts to show signs of ailment. Read everything you need to know in our boiler cover guide.
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Your boiler is the beating heart of your central heating system. It keeps your home warm in those cold winter months, while also giving you hot water when you need it most. And like most of the wonderful modern contrivances that enrich our lives โ the harder itโs working, the easier it is to take it for granted.
You may have assumed that Boiler Cover was an unnecessary extra pushed on consumers by over-zealous energy suppliers. Boiler Cover, like any form of insurance, seems superfluous when you donโt need it. However, it can be tremendously useful when your faithful boiler starts to show signs of ailment. It can save you a small fortune in repair costs. Whatโs more, it can give you the peace of mind that comes from knowing that you wonโt have to go without warmth or hot water in the cold winter months.
What is Boiler Cover?
Boiler Cover is a specific form of insurance that protects your boiler against faults, ensuring that repairs are dealt with in a timely and cost-effective manner. Boiler cover is known by a number of names including:
- Boiler insurance
- Boiler care
- Boiler servicing
However, the intention behind all of the above is the same. Protecting your household from the cost and inconvenience associated with boiler faults. And given that a broken boiler can cost thousands of pounds to repair or replace (including the cost of repairing water damage etc.) itโs definitely worth considering.
Why should you invest in Boiler Cover?
As a financially conscious household, youโll be keen to avoid unnecessary monthly expenses. Your carefully balanced budget doesnโt allow for unnecessary expense.
However, as weโll see, Boiler Cover is a worthy investment for a number of reasons.
1 in 3 boilers breaks down within 6 years
According to an independent study, 1 in 3 boilers breaks down within the first 6 years. You may be among the 66% of people who enjoy their boilers for over a decade without incidentโฆ but is it really worth the risk?
It can save you energy and money in the long term
Boiler Cover and annual servicing go hand in hand. Most policies include annual checkups to ensure your boiler is operating at peak efficiency. So you save energy and money in the long run.
If youโre curious about how you can reduce the cost of heating your home Ofgem has some useful advice.
Itโs really affordable
Boiler cover policies start at just ยฃ3.50 a month. A negligible expense that could save you a fortune in future.
What are the different kinds of Boiler Cover?
There are a number of different Boiler Cover options available. So you can choose the right kind for your needs and budget:
Basic Boiler Cover
This covers your boiler in the event of a breakdown or fault. This kind of cover, however, only applied to the boiler unit itself, the controls and (in most cases) the heat exchanger. It will not cover pipework, radiators or other central heating apparatus. Basic boiler cover policies include the cost of repairs, and most will include either free or discounted servicing. In some cases, if a boiler cannot be repaired it may be replaced free of charge. However, this is usually only if your boiler is less than 7 years old and you have held your policy for 6 months or more.
While all providers ensure a timely repair (i.e. within 24 hours), itโs important to note that not all providers have a 24/7 call-out facility. You should factor this in when making a decision.
Boiler and Central Heating Cover
Boiler and central heating cover has the same features as above but will also cover your radiators, flue and pumps against faults and failure. Please note that Boiler and Central Heating Cover will not include things like removing sludge from radiators or other general maintenance tasks. Faulty taps are also not usually covered, neither is work carried out by other engineers.
Boiler Central Heating and Wiring Cover
Most Boiler Cover options, even those that include central heating will not cover wiring and electrical issues. However, you may find policies in which these are included and some will even include cover for your plumbing and drains. This can help to save you money on repairing damaged caused to wiring by power cuts and other electrical issues that are not your fault.
However, these will also not include general maintenance issues, and most policies will not cover your homeโs external wiring. Policies may or may not cover damages caused by household pests. Always check your policy!
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Boiler Cover Providers
There are a number of companies that provide boiler cover. You can find out more about popular Boiler Cover providers in the table below:
Provider | Pros | Cons |
---|---|---|
Eon | Well reviewed by customers Fast responses to issues | Less than 20% renewable energy Not available 24/7 |
EDF | Reasonably priced cover Excellent reviews | Less than 12% renewable energy |
Corgi | Well reviewed Reasonably priced * Cashback & discounts | Cancellation fees up to ยฃ120 |
British Gas | Mostly renewable Contactable 24/7 | Higher prices / excess |
SSE | Repairs older boilers Generous 10% discount on replacement boilers | Cancellation fees up to ยฃ170 |
Boiler Cover Costs
Broadly speaking Boiler Cover costs an average of ยฃ245-ยฃ340 per year. Exactly how much you pay will depend on your specific needs. Some suppliers will offer a better rate if you pay annually rather than monthly.
Letโs take a quick look at what you can afford to pay with the above suppliers:
Eon
- ยฃ7.99 PCM- Basic Boiler Cover.
- ยฃ12.99 PCM- Boiler & Central Heating Cover.
- ยฃ15.99 PCM- Boiler Cover, Electrics & Heating.
- ยฃ19.99 PCM- Boiler, Plumbing, Electrics & Heating.
EDF
- ยฃ8.95 PCM- Boiler Protect.
- ยฃ13.60 PCM- Heating Protect.
- ยฃ16.83 PCM- Total Protect. This includes heating, wiring, plumbing, pest infestations and even fallen roof tiles.
Corgi
- ยฃ13 PCM โEssentialsโ- Boiler & Central Heating Cover.
- ยฃ15 PCM โStarterโ- Boiler, Central Heating, Plumbing & Electrics.
- ยฃ18 PCM โAdvancedโ- Including gas supply pipe, water and internal drainage.
- ยฃ21 PCM โCompleteโ- Includes priority helpline and boiler replacement.
British Gas
- ยฃ2.50 PCM- Boiler and Control Cover.
- ยฃ5.50 PCM- Boiler & Central Heating Breakdown Cover.
Both have an excess of ยฃ99, and neither include boiler servicing which starts at ยฃ85 per year.
SSE
- ยฃ4.95 PCM- Boiler Breakdown Cover (ยฃ90 excess).
- ยฃ9.50 PCM- Boiler & Heating Breakdown Cover (ยฃ50 excess).
- ยฃ13.45 PCM- Boiler Cover & Servicing (ยฃ50 excess).
- ยฃ16.95 PCM- Boiler, Heating & Servicing (ยฃ50 excess).
Important things to remember about Boiler Cover
Though Boiler Cover will prove very valuable for most people, there are some things youโll need to be aware of before choosing a policy.
- You donโt need Boiler Cover if your boiler is under warranty.
- Not all insurers will cover older boilers.
- Your home insurance may include Boiler Cover.
- You usually canโt make a claim within the first 14-30 days.
Let us help you find the perfect boiler cover for your needs
We can help you to find the right Boiler Cover provider for your needs and budget. Weโll also work with you to ensure that you get up and running quickly and easily.
Want to know more?
Call us today on 0330 054 0010. Weโre available from 8am-6pm.
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Updated on 22 Jan, 2021
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