Boiler cover is a protection plan for your boiler. It helps you avoid large, unexpected costs if your boiler breaks down. A cover plan typically includes the cost of the engineer's call-out, labor, and any replacement parts needed for the repair.

Do I Need It? Is it Worth It?

If you're a homeowner or a landlord, you should seriously consider boiler cover. It's smart to first check if your boiler is already protected under your home insurance or the manufacturer's warranty. This is especially important for newer boilers, as many warranties are tied to specific installation requirements. However, even if your boiler is under warranty, it's crucial to read the fine print—many warranties have conditions and won't cover problems caused by external factors.

Boiler cover becomes even more valuable for older boilers, particularly those over 10 years old, which are more prone to faults and can be expensive to repair. The right policy can protect you from these major financial hits and typically includes benefits like:

• Unlimited Call-Outs (in most cases)

• 24/7 Helpline Access

• Repairs for Boiler Controls

Choosing the Right Boiler Cover

Boiler cover packages primarily differ in a few key areas. When you're comparing policies, pay close attention to:

• Excess Fees: This is the amount you'll pay towards the cost of each call-out. (£75 per visit).

• Helpline Quality: Not all help services are available 24/7. Make sure the support service meets your needs.

• Coverage Limits: Be aware of any limitations on the number of call-outs or repairs you can have in a year, as this can be a major factor for older boilers.

Boiler Cover vs. Central Heating Cover

It's easy to confuse these two, but they are not the same.

• Boiler cover is exclusively for your boiler and its controls.

• Central heating cover is a broader plan that includes your entire heating system, such as the boiler, hot water cylinder, tanks, pipes, and radiators. It's often referred to as "boiler and heating cover" for clarity.

The Annual Service Visit

An annual service is a yearly check-up performed by a Gas Safe registered engineer. It's a crucial part of boiler maintenance. During the visit, the engineer will perform a thorough inspection, including visual checks, internal component inspection, and safety tests. This not only ensures your boiler is running safely and efficiently but also helps keep your manufacturer's warranty valid. Many boiler cover policies include this visit at no extra charge.

Can I Switch Boiler Cover Providers?

Yes, you can switch providers, and it can be a good way to find a better deal. However, most policies last for 12 months, and if you cancel early, you may have to pay a cancellation fee. Always check the terms of your current policy before making a change.