Boiler cover & care plans

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How does boiler cover work?

Boiler cover is a type of protection you can take out to cover the costs of getting your boiler fixed if it breaks down.

Depending on the product you choose, boiler cover can include:

  • unlimited engineer call-out charges
  • annual servicing
  • parts and labour
  • annual boiler service
  • 24-hour emergency helpline
  • discounted replacement if your boiler has a major fault or is beyond economical repair
  • plumbing, drains and electrics

How can I find boiler cover?

There are three main ways to get cover for your boiler:

  • Add home emergency cover to your home insurance policy, or buy it separately. If you do this, you need to check boiler cover is included.
  • Choose a separate boiler cover policy from a specialist home care provider.
  • Get a repair plan from your boiler manufacturer.

Home emergency cover typically offers limited boiler cover in comparison with a separate boiler cover policy. It may restrict you making a claim if your boiler is over a certain age and doesn’t usually cover things like having your boiler serviced.

If you’re looking for a separate boiler care plan, Compare the Market has partnered with Hometree - one of the UK’s top-rated home care providers.

Check to see if you already have suitable cover in place through your energy supplier or home insurance before buying a separate care plan. If you have a manufacturer’s warranty or guarantee for your boiler, check what help you’re entitled to if something goes wrong. Any product you buy could supplement whatever protection you already have.

Who is Hometree?

Hometree is one of the UK’s top-rated home care suppliers, not only because of its highly regarded customer service but also for its comprehensive home care plans.

Hometree provides homeowners and landlords with a range of simple and transparent boiler, central heating and home care plans. The company works with more than 2,500 qualified engineers and currently protects tens of thousands of homes across the UK. Hometree promises unlimited call-outs, a 24-hour emergency helpline and no price hikes if you don’t make a claim.

What boiler care options can I get from Hometree?

Boiler care from Hometree gives you four options to choose from:

  • Heating essentials care plan is available to Compare the Market customers and offers the most basic boiler care package. It protects your boiler and controls, and covers the cost of a boiler service for the first year.
  • Boiler-only care plan protects your boiler, flue and controls, and covers the cost of an annual boiler service.
  • Boiler and central heating care plan will cover repairs to your boiler and anything to do with your central heating system, such as radiators, pipes and pumps.
  • Full home care plan is Hometree’s most comprehensive home breakdown package. As well as protecting your boiler and central heating system, it also covers plumbing problems, blocked drains and electrical faults.

If you’ve got a gas fire, Hometree can also add this to your chosen plan too.

Do I need boiler cover?

You won’t need boiler cover if you’re renting, as it’s the responsibility of the landlord to take care of boiler repairs and servicing – including an annual gas safety check.

If you own your home or you’re a landlord, boiler cover could save you paying out for expensive repairs, so it’s certainly worth considering. But check your home insurance first. Some policies may include boiler cover as part of a home emergency add-on. If this is the case, you might not need to take out separate protection for your boiler.

Frequently asked questions

Does boiler insurance start straight away?

Most insurance policies include an initial no-claims period, which could be the first 7-30 days, depending on your provider. With Hometree, you can’t arrange a call-out within the first 14 days of your contract starting.

This means that you won’t be able to claim on your care plan if your boiler breaks down during that initial period.

Is there a limit on how much I can claim?

Again, this depends on the policy and level of cover you choose. Some policies have an annual maximum limit, while others are unlimited.

What else do I need to look out for?

Each policy has different terms and conditions, so read the policy wording carefully before you buy.

Things to look out for when comparing boiler care plans include:

boiler age – some providers won’t offer cover if your boiler is more than ten years old. You may also find it hard to renew your plan when your boiler reaches a certain age. Hometree will protect boilers of all ages and models, unless spare parts are no longer available.

exclusions – some service plans don’t include cover for damage due to limescale build-up or a system flush due to ‘sludge’.

the initial no-claims period – how long before you can make a claim?

claim limits – are there any limits on how much you can claim for in a year and, if so, what are they?

engineer call-outs – how long will you have to wait for an engineer to come out? Is there a limit to the number of call-outs you can have in a year?

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

If you have boiler cover or home emergency cover, your provider should always be your first port of call if there’s a problem. Most 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. But they can often 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. Fitting a brand-new boiler can set you back anywhere between £1,400 and upwards of £4,500.

I'm 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?

If your boiler is older than 15 years, you may struggle to find insurance, or you may have to pay a higher premium. Any age restrictions should be included in the policy wording. If you choose boiler care from Hometree, there’s no age limit.

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’s usually a condition of your insurance or warranty to have the boiler serviced every year. You can also opt for standalone home care cover that gives you the option of including an annual service.

How much will it cost to service my boiler?

The average cost of a boiler service is £70-£130. But the price will depend on who you choose to do 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.

You may be able to save by including an annual boiler service in your boiler cover.

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.

Is home emergency cover the same as home care cover?

No, they’re not the same. Home emergency cover is designed to protect you against a boiler breakdown alongside other home emergencies, such as a broken window. A home emergency is typically something that may cause permanent damage to your property, could make your home unsafe or poses a risk to your health.

You can usually buy home emergency cover as an add-on to your home insurance policy, or you can buy it separately.

Home emergency cover will typically cover the costs of resolving the emergency situation but is unlikely to pay out for any additional costs, unless clearly set out in the policy. Some home emergency plans won’t allow you to claim for the first 7 to 30 days after starting the cover. And, typically, boilers that don’t get an annual service are excluded.

As well as covering emergencies, home care cover can help ensure the smooth-running of your home and can get you help in a non-emergency situation: for example, you might have an annual boiler service included in your policy.

What’s the difference between boiler insurance and a service agreement?

The main difference is that insurance providers offering boiler cover are regulated by the Financial Conduct Authority (FCA). If your provider goes bust, you’ll be protected by the Financial Services Compensation Scheme.

Service agreements aren’t regulated by the FCA, so if the company you’ve signed up with becomes bankrupt, you might not be financially protected.

Hometree offers a range of non-insured maintenance care plans, all of which include an annual service visit.

What do I need to get a boiler cover quote?

Getting a quote with Hometree is easy. You’ll just need to:

  • say whether you’re a homeowner or a landlord
  • choose what level of cover you want
  • provide some details about yourself, including your address and postcode.
Get a quote with Hometree

Home emergency cover can be added as an optional extra to your home insurance policy.

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Chris King

Home insurance expert

What our expert says

“It’s worth being extra vigilant when looking to take out home emergency or boiler care plans to make sure you know what conditions you’ll need to stick to. Watch out for types and age of boiler that aren’t included, for example oil boilers aren’t always covered, so you’re not left cold and with a hefty bill to pay if you need to make a claim.”


Why use Hometree?

96% of calls answered in under 1 minute**

95% of all claims accepted

One of the best-rated home care providers in the UK on Trustpilot, July 2020. Rated excellent

** From March to August 2020.

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