We Compare Boiler Cover & Boiler Insurance
The Ultimate Boiler Cover Review!
Who provides the best boiler cover? Who provides the most comprehensive boiler insurance? What is home emergency cover? We have the answers! We compare boiler cover and central heating cover with no excess.
A TRUE comparison of boiler cover policies...
There are seemingly lots of websites ‘comparing’ boiler cover policies, but they are only really comparing the face value of the policy. We have dug deep into the Terms and Conditions of 7 insurance cover providers - British Gas, Homeserve, Aviva, Corgi, AA, npower and Reactive - and 4 Service Agreements providers - 247 Home Rescue, Certi, Your Repair Home Plan and Scottish Power - to bring you the ULTIMATE comparison of boiler cover.
Where the Terms and Conditions of the policy provider have not been 100% clear, we have phoned the company, usually on three or four occasions, to try to be absolutely sure of what they offer.
We have compared Boiler and Central Heating Cover with no excess, so we know we are absolutely comparing like for like. The first table provides our view on who came out best! The second table provides all the inclusions and exclusions to the policies.
Who provides the best boiler cover?
Based on our own research, we have provided a guide to who we think provides the best boiler cover, depending on your circumstances. We felt British Gas, Homeserve and Aviva provided incredible value giving comprehensive coverage for conventional gas heating systems. They seemed genuinely ready to help and were flexible in respect of fitting customer supplied parts. Corgi provided a great combied boiler and electrics policy, although they did exclude the gas pipe from the heating cover. Certi provided the best home emergency service agreement at a great price.
TOP TIP: Use our detailed table below to find the best policy for your individual circumstances.
|Boiler Cover Provider||Annual Cost|
|Best Boiler Cover Overall||British Gas||£240|
|Most Comprehensive Boiler Cover||British Gas||£240|
|Best Value Boiler Cover||Homeserve / Aviva||£221|
|Best Home Emergency Cover||Certi||£192|
|Best Boiler and Electrics Cover||Corgi||£240|
|Best Central Heating Cover||British Gas||£240|
|Best LPG Boiler Cover||British Gas||£240|
|Best Boiler Breakdown Cover||Homeserve / Aviva||£221|
Boiler Cover Definitions
Boiler Cover: An insurance policy or service agreement that covers you for breakdowns to your boiler, which can be extended to your central heating system
Boiler Insurance: An insurance backed policy that covers your boiler in the event of a breakdown, which can be extended to your central heating system. Boiler Insurance is FCA regulated and complaints can be referred to the Finance Ombudsman.
Boiler Service Agreement: A contract between you and the service provider to attend in the event of a boiler breakdown or a problem that results in a loss of service to your central heating system. Not regulated by the FCA and complaints are handled internally.
Home Emergency Cover: Usually a service agreement that covers you in the event of a breakdown to your boiler or other problem resulting in a loss of service, i.e. no heating. These policies often include other services such as cold water pipes and electrics but exclude a lot of the items covered by Boiler Insurance policies.
Central Heating Cover: An insurance policy or service agreement that covers your central heating system, for example radiators and pipework. Most commonly an 'add-on' to boiler cover. If you have a regular boiler you may wish to consider an 'add-on' central heating policy so that your hole system is covered.
Boiler Breakdown Cover: An insurance policy or service agreement that covers you in the event your boiler stops working.
Boiler Excess: Many providers offer lower annual charges if you pay an excess, usually £50 - £90 per call out.
Boiler Cover Detailed Breakdown
So here it is, a nut and bolts comparison of boiler cover. We have broken the cover down into common sections: Boiler, Flue, Hot Water System, Heating System Controls, Radiators, Valves and System Pipework, Gas Pipe, Boiler Replacement etc. All insurance policies and service agreements share many exclusions to their cover and these are detailed in the box below each section.
TOP TIP: If you have an LPG boiler, back boiler, warm air unit or unvented hot water cylinder then have a look at our final table at the bottom the page to find out who covers your system.
|Boiler Cover Provider:||British Gas||Home serve||Aviva||AA Home Services||Corgi||npower||Reactive||Scottish Power||247 Home Rescue||Certi||Your Repair Home Plan|
|Policy Name:||Home Care 2||Gas central heating breakdown with service||Aviva Response - Heating||Central Heating Response Plus||Home Plan Starter||Boiler and Heating Cover Plus||Home Heating Plus||Boiler Care Plus||Boiler Breakdown Standard Package||Home Plan 200||Your Care 20|
|Insurance Policy or Service Agreement||Insurance policy||Insurance policy||Insurance policy||Insurance policy||Insurance policy||Insurance policy||Insurance policy||Service Agreement||Service agreement||Service Agreement||Service Agreement|
|A breakdown of the boiler||✔||✔||✔||✔||✔||✔||✔||✔||✔||✔||✔|
|Attempt to repair noisey boilers||✔||✔||✔||•||•||•||•||✔||•||✔||•|
|Fit parts supplied by home owners*||✔||✔||✔||•||•||✔||✔||✔||✔||✔||•|
|Repair/Replace flue upto 1m in length||✔||✔||✔||✔||✔||•||•||✔||•||✔||•|
|Repair/Replace OVER 1m in length||•||✔||✔||•||•||•||•||✔||•||✔||•|
|Repair/Replace vertical flue+||✔||✔||✔||✔||✔||•||•||✔||•||✔||•|
|Repair/replace open flued appliances||•||✔||✔||•||•||•||•||•||•||•||•|
|OTHER TYPES OF BOILER COVERED|
|Repair warm air unit & vents||✔||•||•||•||•||•||•||•||•||•||•|
|Repair LPG (bottled gas/propone) boiler||✔||•||•||✔||•||•||•||•||•||•||•|
|Repair back boiler and integral gas fire||✔||✔||✔||✔||•||•||•||✔||✔||✔||•|
|Repair/replace leaking water tanks or cylinder||✔||✔||✔||✔||✔||✔||•||✔||•||✔||•|
|Repair/replace an immersion or cylinder stat||✔||✔||✔||✔||✔||✔||•||✔||•||✔||✔|
|Repair/replace any pumps and controls||✔||✔||✔||✔||✔||✔||•||✔||•||✔||✔|
|Pressurised/mains pressure/unvented hot water tanks (eg megaflow tanks)||✔||•||✔||•||•||•||•||•||•||✔||•|
|HEATING SYSTEM CONTROLS|
|External controls e.g. programmer & thermostat||✔||✔||✔||✔||✔||✔||✔||✔||•||✔||✔|
|Motorised zone valve(s) outside boiler||✔||✔||✔||✔||✔||✔||✔||✔||✔||✔||✔|
|Central heating/circulating pump (outside boiler)||✔||✔||✔||✔||✔||✔||✔||✔||✔||✔||✔|
|Repairing or a like for like replacement of an internet connected controls, thermostats & valves.||✔||•||•||✔||•||•||•||•||•||•||•|
|RADIATORS, RADIATOR VALVES AND SYSTEM PIPEWORK|
|Repair faulty radiator||✔||✔||✔||✔||✔||•||✔||✔||✔||✔||✔|
|Replace faulty radiator||✔||✔||✔||✔||✔||✔||✔||✔||•||✔||✔|
|Repair/replace leaking radiator valves||✔||✔||✔||✔||✔||✔||✔||✔||•||✔||✔|
|System pipeworkconnecting the heating system||✔||✔||✔||✔||✔||✔||✔||•||✔||✔||✔|
|Buried pipe, reinstate walls and floors||✔||✔||✔||•||•||•||•||•||•||•||•|
|Cost of draining down the system and refilling||✔||✔||✔||•||✔||✔||✔||✔||✔||✔||•|
|Adding chemicals (inhibitor) where systems has been drained to fix a leak under the policy||✔||✔||✔||•||✔||•||✔||✔||✔||✔||•|
|Feed & expansion cistern/tank/vessel or filling loop||✔||✔||✔||✔||✔||✔||•||✔||•||✔||✔|
|Repairs to magnetic filters||✔||•||•||•||•||•||•||•||•||✔||✔|
|Repairs ON FIRST DISCOVERY of damage caused by sludge/scale/rust within the system or damage caused by any other chemical composition of the water;||✔||✔||✔||✔||•||•||✔||✔||•||•||•|
|Bleading/venting rads/removing airlocks/balancing /repressuring the system**||✔||•||•||•||✔||•||•||✔||•||•||•|
|Repair/replace condense pump outside the boiler||✔||•||•||✔||•||•||✔||•||•||✔||✔|
|TOWEL RAILS AND DECORATIVE RADIATORS|
|Repairing or a like for like replacement of a non-standard radiator (e.g. cast-iron, decorative, customised, or those which curve with the profile of a wall)||•||•||•||•||•||•||•||•||•||•||•|
|Fitting customer supplied non-standard radiator||•||•||•||✔||✔||•||✔||•||•||✔||•|
|Option to pay the difference to fit non-standard radiator||✔||•||•||•||•||•||✔||✔||•||•||•|
|Repair/replacement of a leaking gas supply pipe upto and including 35mm and not made of steel or iron||✔||✔||✔||•||•||✔||✔||•||✔||✔||✔|
|Repair/replace gas supply pipe upto and including 35mm INCLUDING pipework made of steel or iron||✔||•||•||•||•||•||•||•||•||•||•|
|GAS PIPE CLAIMS|
|Unlimited number of claims for works to Gas Supply Pipe||✔||✔||✔||•||•||✔||✔||•||✔||✔||✔|
|Claim limit for gas supply pipe claim||No Cap||£4,000||£4,000||NA||NA||£1,500||£1,000||NA||£1,000||£2,000||No Cap|
|Reinstatement of floor coverings and making good but not necessarily to original standards||Yes £1000 for making good in addition to cost of repair||Yes within maximum £4k claim amount||Yes within maximum £4k claim amount||NA||NA||No||No||NA||No||No||No|
|Unlimited number of claims||✔||✔||✔||✔||✔||✔||✔||✔||✔||✔||✔|
|Monetary cap (if any) for amount of claim (providing boiler is not BER)||No Cap||No Cap||No Cap||No Cap||£300 for the first 3 months £2,000 thereafter||All parts, £1,500 in labour charges over policy period||£1,000 per claim||No Cap||No Cap||No cap||£250 cap for first three months, no limit thereafter|
|A replacement boiler, including installation cost, if the policy provider cannot repair it, it's less than seven years old and you are six months into your service agreement||✔||✔||✔||•||•||•||•||•||•||✔||✔|
|A replacement boiler, excluding installation cost, if the policy provider cannot repair it, it's more than seven years old and you are six months into your service agreement||•||✔||•||•||•||•||•||•||•||✔||•|
|A financial contribution to the installation of a new boiler if MORE than 7 years old||•||•||£500||£250||•||£150||£250||•||•||•||•|
|A financial contribution to the installation of a new boiler if LESS than 7 years old||•||•||•||£500||•||£150||£250||•||•||•||•|
|A replacement for your boiler if the policy provider cannot repair it and its between seven and ten years old, it was installed by the policy provider and continusously covered by them||✔||•||•||•||•||•||•||•||•||•||•|
|A replacement for your boiler if it caught fire or exploded, providing you gave us access to carry out your annual service every year since we first covered you||✔||•||•||•||•||•||•||•||•||•||•|
|Financial contribution for alternative accommodation and travel if your home is uninhabitable (T&CS apply)||£500||NA||NA||£150 per night, 7 nights||•||•||✔||•||•||•||•|
|Provision of temporary electrical heaters if unable to get heating operationa||✔||✔||✔||✔||✔||•||✔||✔||✔||✔||•|
|NON-HEATING SERVICES (CANNOT BE EXCLUDED FROM THE COVER)||✔||✔||✔||✔||✔||✔||✔||✔||✔||✔||✔|
|Internal mains electrical wiring, fuse board and circuit breakers, sockets and switches||•||•||•||•||✔||•||•||•||•||•||•|
Who has the best boiler policy for unconventional systems?
If you have a warm air unit, LPG system, back boiler, unvented hot water tank, internet controls, buried pipework and/or a extended flue then your options are more limited, but you can find cover. The table below sets out who to go to for each option:
|Warm air unit||British Gas|
|LPG System||British Gas or Corgi|
|Back boiler||British Gas, Homeserve, Aviva, AA, Scottish Power and Certi|
|Unvented hot water system||British Gas, Certi|
|Internet controls||British Gas, AA|
|Buried pipework||British Gas, Homeserve or Aviva|
|Extended flues||Homeserve, Aviva, Scottish Flue and Certi|
Summary of our findings
Well, this exercise has been such an eye opener! For the seven Boiler Insurance Providers, prices ranged from £203.88 (AA) - £269.76 (npower), with British Gas about in the middle at £240.
The Service Agreement Providers tended to focus on ‘emergency call outs’ so did not cover non essential items. For this reason the Service Agreement Providers where generally cheaper, with prices ranging from £176.40 - £192. However their exclusions were often much boarder, often omitting the flue, gas pipe, buried system pipework and/or replacing the hot water tank. One even excluded the cost of ‘draining down’ the system and refilling in the event of repairing a leak. That said, some were on a par with some of the less comprehensive insurance providers in terms of cover, but for less money.
We were surprised to see that the most expensive policy – npower – did not include the flue and came with a £1,500 labour cap on claims. British Gas on the other hand, £29.76 per year cheaper, provided the most comprehensive cover, including covering most flues, making good on gas pipe reinstatement, replacement of internet controls and no cap on claims.
British Gas, Homeserve and Aviva all offered lots of nice ‘bells and whistles’ on their policies, including attending ‘noisy boilers’, intermittent faults, fitting customer supplied parts and radiators not covered by the policy, accidental damage cover, reinstatement of walls and floors and financial assistance with boiler replacement once ‘beyond economic repair’. The Boiler Service Providers (with the exception of Scottish Power) were very much focused around ‘emergency assistance’ so minor faults that did not prevent the system from providing heating and/or hot water were often not covered.
Corgi, whilst not providing the most comprehensive boiler and heating cover, including the exclusion of the gas pipe, did include quite a nice electrical cover, but on balance a more comprehensive heating system policy would likely be preferable to many customers.
*Annual cover is £240, or £264 for boilers over 7 years old.
What is the difference between a Boiler Insurance Policy and a Boiler Service Agreement?
A Boiler Insurance Policy is, as the name suggests, insurance backed and as such these policies are regulated by the Financial Conduct Authority (FCA). Complaints can be made about the policy and the provider to the FCA and Finance Ombudsmen.
Boiler Service Agreements are contracts between you and the provider and are outside the remit of the FCA and Financial Ombudsmen. These companies only have an internal complaints procedure.
Thinking about a new boiler? You may not need third party boiler cover anymore...read our Guide to:
- Boiler Warranties and Guarantees - you many not need cover from one of the above if you are buying a new boiler. We compare boiler cover from eight of the biggest boiler manufacturers to see who is best.
Want to know more about manufacturer after sales care? Read our Guide:
- Guide to Boiler Manufacturer's Aftersales Care - we compare call centre opening hours, call wait times and engineer wait times from 8 of the biggest boiler manufacturers