How to Save Big on Boiler Cover? Boiler Cover Comparison 2020 

If you’re boiler breaks down, fixing it is expensive! With only 10 minutes’ work, you can reduce the expense with a cheap boiler cover.

This guide tells you the best way to do it. Here’s a brief guide to finding an affordable boiler cover with tips to dodge substantial energy bills.  Let’s take baby steps and start from scratch!

What is boiler cover? 

Boiler cover is a yearly fee that will cover the expense of fixing your boiler if it breaks down. It is also known as boiler insurance. 

So if your boiler or its parts stop working you have to ring your boiler cover service provider or also known as insurer. They are obliged to send an engineer round. 

What does boiler cover include? 

The least expensive boiler cover plans include:

• Parts 
• Labour  

In any case, gas boilers service will charge a call-out fee, regularly of £50 to £100. For instance, 247Home Rescue’s Gas Boiler Breakdown Cover costs £7.47 per month, however you’ll be charged £95 per callout. 

Mid-value boiler cover plans include*:

• Parts
• Labour 
• Call-outs  

*up to predetermined limit 

The most extensive boiler strategies will also cover your entire heating system including:

• Lines
• Radiators
• Hot water 

Boiler cover plans are offered by various organisations, for example, 247 Home Rescue, British Gas and others. Before that, you must know your boiler cover needs. 

Do you need boiler cover? 

To save your money, the principal question you have to ask yourself is whether you need boiler cover or not. 

Remember: Only property owners need to invest in boiler cover. If you rent, it’s not your obligation. 

It is recommended to check with your landlord before signing the tenancy agreement that what kind of boiler cover is set up so you know how long it will take if the boiler breaks down. 

Here are the rest of the boiler cover tips you must know if you want to save big on your expense: 

Get a gas safety certificate 

No matter if you are a landlord or tenant, demand one of these while moving in.

Every year you or your landowner, if you rent, need to have a safety checkup by a Gas Safe-registered engineer on boilers and other gas appliances. 

Get an annual boiler service 

Many policies will not cover your boiler’s breakdown due to lack of maintenance. Most boiler cover plans may not cover expenses of safety inspection. 

An annual boiler cover is a successful method to dodge these issues and is usually free*. You will have to invest in £60-£100 for an annual boiler service. 

*for the first year only

No claim policy for the initial 14-30 days 

Practically all plans include an underlying no-claims period, which shifts from 14 to 30 days.

It’s not out of the ordinary, and it stops people buying plans on the day of their boiler breakdown. 

What are the types of boiler cover? 

There are various kinds of boiler and heating cover, so while picking, always check what you’re getting and review the conditions to ensure that: 

• the plan suits you
• you’re not under or over-covered 

Here are the three primary types of boiler cover explained:

1. Boiler only cover 
2. Home emergency 
3. Central heating cover

Boiler only cover 

This type of boiler cover normally covers:

• The boiler itself 
• Controls against breakdown

If the damage happens outside the ‘white box’, then it falls under the third type which is central heating cover. 

Home emergency 

First of all, we need to understand what an emergency is.

This differs from boiler cover provider to boiler cover provider. What you may consider an emergency is not one according to the boiler cover provider. 

Many covers will in generally include:

• A boiler
• Pest control 
• Central heating 
• Appliance repair 

That’s only the tip of the iceberg. However, payout limits for each can be low, eg, from £250 towards another boiler, up to £750 – so if your boiler is the principal concern this mightn’t be for you. 

Central heating cover

With your boiler, you get the additional assurance of damage caused to your central heating system, (for example, your lines and radiators) and will replace central heating pipes.

How to buy cheap boiler cover? 

Check the top boiler cover comparison for cheap boiler cover.

Here’s a complete chart to make a decision for yourself. 

247 Home Rescue 

Why 24|7 Home Rescue boiler cover? 

24|7 Home Rescue’s Boiler Care plan gives you emergency breakdown cover for only £7.47 per month, plus an excess of £95. 

Some other cool benefits are:

• No call-out charges
• 30-day rolling contract
• Parts and labour included 
• Complimentary boiler service in first year
• Emergency breakdown cover for your boiler
• No claims value limit for boilers in good working order
• Guaranteed engineers and manufacturer parts available for Potterton, Viessmann, Baxi, and Worcester Bosch boiler
• Purchase further cover for their central heating, electrics, drains and plumbing

24|7 Home Rescue also doesn’t cover Powermax, Ideal Mexico, or Keston boilers.

EDF boiler cover

EDF Energy Boiler plan covers gas boilers less than 11 years old for £7.92 per month with an excess of £95 per claim.

Some of the benefits are:

• No call-out charges
• Excess of £95 per claim
• Up to £500 towards a replacement boiler

Corgi Gas boiler cover 

Corgi’s HomePlan cover starts at £13 per month, with an excess of £60.

Some of the features of Corgi’s HomePlan boiler cover are:

• Excess of £60
• Annual boiler service
• Unlimited call-outs
• Combined claims limit of £2,000

British Gas boiler cover

British Gas’s HomeCare plan offers boiler cover from £14 per month, with an excess of £60. 

Features of British Gas’s boiler cover:

• Annual boiler service
• Unlimited claims, up to £1,000 each
• Further coverage can be purchased

HomeServe boiler cover

HomeServe offers breakdown boiler cover from £8 per month, with an excess of £100.

• Some of the benefits of HomeServe’s boiler cover claims
• Additional cover for central heating 
• Breakdown cover for your gas boiler and gas supply pipe

SSE boiler cover

SSE’s boiler cover starts from £4.95 per month, with £90 excess. 

Some of the features of SSE’s boiler cover:

• Unlimited call-outs 24-hours/day
• £250 towards boiler replacement
• 18 day freeze on claims for new customers

To explore and find out more, you can check top comparison sites for low price cover plans. 

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Naomi Willis

Editor at Skint Dad

Naomi knows the burden of living on very little and became debt free by learning from past mistakes and following her own money saving tips and tricks.

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