Boiler Insurance

What Boiler insurance is and what it covers

Boiler insurance

Boiler insurance is more common as the cost of boiler servicing and repairs keeps increasing. Our secret shopper has been checking out the different policies available and the average monthly cost you can expect to pay.

What is Covered By A Boiler Insurance Policy

Most insurers offer two different levels of cover. The first level covers the boiler itself and means that should your boiler or boiler controls break or become damaged as a result of an accident, an engineer will come and repair the boiler for free. Should the boiler be beyond repair the insurance will pay a contribution of around £250 towards a new one. Most insurers offer a 24 hour emergency phone line and all ensure that all work is carried out by a Gas Safe registered engineer.

The second level of cover includes the basic boiler repairs as above but it also covers all the central heating system, so for example, it means that all your pipes will be repaired if they burst or if a radiator is damaged it will be fixed or replaced. Most companies also include an annual boiler service free of charge.

Some companies offer additional benefits which have been highlighted below.

Boiler Insurance Costs

Company

Price

Name of cover

Covers Boiler

Covers central heating

Annual Service included

Homeserve

£6.99

Gas boiler breakdown

Yes

No

No

 

£8.99

Gas central heating

Yes

Yes

No

 

£15.99

Gas central service

Yes

Yes

Yes

British Gas

£11.65

Homecare 100

Yes

No

Yes

 

£14.37

Homecare 200

Yes

Yes

Yes

Domestic and general

£14.50

Silver

Yes

No

No

 

£16.00

Silver Plus

Yes

Yes

Yes

 

£19.00

Gold

Yes

No

Yes

 

£20.50

Platinum

Yes

Yes

Yes

EDF Energy

£11.25

Boiler care plan

Yes

Yes

No

 

£16.50

Boiler care plan plus

Yes

Yes

Yes

Npower

£16.00

Hometeam 50

Yes

Yes

Yes

Protect your bubble

£15.00

Home Emergency Gold

Yes

Yes

Yes

Extra Benefits

The following companies offer additional benefits to those usually included.

Npower:

Npower offers a 50% rebate to its existing customers if they don't call out an engineer that year.

Protect Your Bubble:

Protect your bubble offer the following benefits in addition to the standard cover:

External plumbing and drain cover

Home security cover

Pest infestation

Mains water supply repair

Homeserve

Basic

Where your boiler is found to be beyond economical repair, a £200 cash contribution will be given towards the cost of a new gas boiler.

Enhanced

Where your boiler is found to be beyond economical repair, a £200 cash contribution will be given towards the cost of a new gas boiler. Also includes the annual boiler service.

British gas

Basic - boiler only

Covers accidental damage and boiler and controls repairs. Parts and labour are included. It also covers the annual Service of your boiler.

Enhanced - boiler and central heating

Covers accidental damage and repairs for central heating repairs - boiler, controls, radiators, pipework and hot water system. Parts and labour are included. It also covers the annual Service of your boiler and central heating system.



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