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Boiler insurance

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What does boiler insurance cover?

Boiler insurance is offered by some insurance providers within the home emergency section of their household contents insurance policies. This is designed to protect you against a boiler breakdown alongside other home emergencies, such as a broken window. In other words, you’d be covered in the event that your boiler needs repairs or replacement.
Aside from any excess (the amount you have to pay towards any claim, typically around £50-100 for home emergency cover) detailed on the policy, you won’t have to pay a callout fee or anything extra for parts or labour.
Home emergency cover generally covers immediate problems and labour costs, but is unlikely to cover additional costs unless clearly set out in the policy details. Some home emergency plans won’t allow you to claim for the first 7-14 days of starting the cover. And typically, boilers that don’t get an annual service are excluded.

Frequently asked questions

How can I find boiler insurance?

You could choose to take out separate boiler insurance cover or add it to your existing home insurance policy. If you’re looking to add cover for your boiler to your existing home insurance policy, then look for Home Emergency cover and check the boiler is included as part of the add-on in the policy details before you buy.

And if you’re looking for total peace of mind, some insurance providers of standalone home emergency cover will also include an annual boiler service for an additional fee. You may even have the option to cover your entire heating system, if you want to.

If you have a manufacturer’s warranty or guarantee, check what help you’re entitled to if something goes wrong. Any insurance you buy should supplement whatever protection you already have, if any.

Who do I call if there’s a problem with my boiler?

If you have home emergency cover, your provider should always be your first port of call if there’s a problem. Most insurance providers have a 24-hour helpline for emergencies.  

If you don’t have cover, you’ll need to look for a suitably qualified tradesperson in your area. With a gas boiler, you should check that the engineer is Gas Safe registered and qualified to carry out boiler repairs. Alternatively, you can contact the boiler manufacturer.

How long should a boiler last?

You might expect your boiler to last between 10 and 15 years, typically. Although they can keep going much longer than that, if they’re properly cared for with an annual service. 

How much will it cost to fix or replace a boiler?

The typical cost to repair a boiler is £150-210, but it could cost you as much as £500 if more than one part needs to be replaced. A brand-new boiler can set you back anywhere between £750 and upwards of £4,500, so dealing with a breakdown can be eye-wateringly expensive.

When choosing a home emergency policy, it’s worth checking what the limit on claims might be. Some have a top limit or a maximum number of callouts a year, while for others it’s unlimited cover and claims. Be sure to choose the one that’s right for your circumstances.

In rented accommodation, is a boiler the responsibility of the landlord or tenant?

The boiler is usually the landlord’s responsibility. Because of this, insurance providers won’t normally offer boiler cover to non-homeowners. 

Can I insure my boiler even if it’s old?

The lifespan of a boiler will depend on how heavily it’s used and whether it‘s given regular servicing, but you should expect your boiler to last 10-15 years if it’s properly looked-after. If your boiler is older than 15 years, you may struggle to find insurance, or you may have to pay a higher premium.

Do I need to service my boiler?

Regardless of whether it’s insured or not, your boiler will definitely benefit from a regular service. Most boiler companies recommend a service at least once every year. It may be a condition of your insurance to have the boiler serviced every year. You can also opt for standalone home emergency cover that gives you the option of including an annual service within the cost of your premium.

How much will it cost to service my boiler?

The average cost of a boiler service is £70-120. But the price will depend on who you choose to perform the service and how long it’s been since your boiler last had one. The cost of any new parts will be on top of this. 

Can I change my energy supplier if I have boiler cover?

Yes, you can change your energy supplier whenever you like. Your insurance is completely separate from your energy supply and it pays to shop around, to make sure your energy tariff is still right for you. 

Where can I find boiler insurance cover?

If you’re looking to add home emergency cover to your home insurance policy, then compare with us. It’s also worth comparing providers when your home insurance is due for renewal, to see if you can find a cheaper deal on existing home emergency cover. 

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