Is Boiler Cover Worth It?


When it comes to home maintenance, ensuring that your boiler is in good working condition is essential for a comfortable living environment.
Is Boiler Cover Worth It?

Is Boiler Cover Worth It?


When it comes to home maintenance, ensuring that your boiler is in good working condition is essential for a comfortable living environment.

However, unexpected breakdowns and repairs can quickly become costly and inconvenient. This is where boiler cover comes into play.

In this article, we'll explore the concept of boiler cover and discuss its benefits and considerations to help you determine if it's worth investing in.

Understanding Boiler Cover

Boiler cover, also known as boiler insurance or boiler breakdown cover, is a service provided by various insurance companies or independent providers.

It offers protection and financial assistance in the event of a boiler breakdown, covering repair costs and sometimes even replacement.

Boiler cover policies typically include an annual service and may also cover other aspects of your heating system, such as radiators and pipes.

Benefits of Boiler Cover

Peace of Mind:

One of the primary advantages of boiler cover is the peace of mind it brings.

Having a boiler breakdown plan eases stress, and assures comfort, crucial during colder months when malfunctions lead to discomfort.

Financial Protection:

Boiler repairs or replacements can be expensive, and unexpected costs can put a strain on your budget.

Boiler cover provides financial protection by covering the costs of repairs or even replacing the boiler entirely, depending on the policy you choose.

This can save you from incurring substantial expenses at once.

Access to Qualified Engineers:

Reputable boiler cover policies often come with access to a network of qualified and experienced engineers. These professionals can quickly diagnose and fix boiler issues, ensuring that the repairs are carried out safely and efficiently.

Additional Services:

Some boiler cover policies include extras such as annual servicing, emergency helplines, and even coverage for related components like radiators and pipes.

These additional services can add value to your policy and contribute to the overall maintenance and longevity of your heating system.

Considerations for Boiler Cover

Age and Condition of the Boiler:

If your boiler is relatively new or still covered by a manufacturer's warranty, boiler cover may be less necessary.

In such cases, the cost of repairs or replacement may be covered by the warranty. However, as the boiler ages, the likelihood of breakdowns increases, making boiler cover more worthwhile.

Cost vs. Potential Savings:

The cost of boiler cover varies depending on factors such as the level of coverage, your location, and the provider. Before committing to a policy, it's important to assess the potential savings compared to the premium costs.

Consider the average cost of repairs or a new boiler and weigh it against the annual premium to determine if the cover is financially beneficial in the long run.

Maintenance History:

  • Regular boiler maintenance is crucial for optimal performance and longevity.
  • Some providers may require proof of annual servicing or may exclude pre-existing issues from coverage.
  • If you have a history of neglecting boiler maintenance, it's important to address any existing issues before seeking boiler cover.


Boiler cover can provide valuable protection and peace of mind by safeguarding you against unexpected boiler breakdowns and the associated costs.

It offers financial security, access to qualified engineers, and additional services that contribute to the overall maintenance of your heating system.

Investing in boiler cover depends on factors like the boiler's age, condition, costs, and maintenance history for informed decisions.

By carefully evaluating these factors, you can determine if boiler cover is worth it for your specific circumstances and needs.