Best Boiler and Central Heating Cover (Reviewed) in 2022
Nowadays, many people see boiler and central heating cover plans as being just as essential as home and contents insurance.
There’s sound logic here — in exchange for a few pounds a month, you know your boiler is covered if something goes wrong, sparing you from some large, unexpected bills.
In this post, we’ll explain what to look for in central heating cover terms, and how to choose the best boiler cover plan for your appliance.
Table of Contents
- What Is Central Heating Cover?
- Why Spend Money on Boiler and Central Heating Cover?
- Best Boiler and Central Heating Cover
- Best Boiler and Central Heating Cover Plans — For Homeowners
- Best Boiler and Central Heating Cover Plans — For Landlords
- How to Pick the Best Boiler Cover Plan
- Best Boiler Cover — Conclusion
What Is Central Heating Cover?
Central heating cover is essentially boiler insurance — something between a home insurance policy and boiler warranty. It offers all the benefits of a boiler breakdown insurance plan and gives you confidence that you won’t have to pay for repairs out-of-pocket if something goes wrong.
But central heating cover can do much more than give you peace of mind. A boiler and central heating cover is also an emergency service — when you have a problem with your boiler, central heating system, or anything else under your plan, you’ll have an emergency helpline to call. With a single call, your provider will arrange to get a qualified Gas Safe engineer to your door at the earliest opportunity.
They’ll know what type of boiler and central heating system you have, so they’re always ready to fix your problem fast. If the problem can’t be fixed, most boiler and central heating cover plans will also help you get a replacement boiler at no extra cost.
What’s more, most boiler breakdown cover plans offer free annual boiler service, while landlords’ plans include a gas safety inspection and certificate.
Your only costs are your monthly premiums and an agreed call-out fee. Beyond that, you shouldn’t pay a penny, no matter how big the problem or how often you use the service.
Why Spend Money on Boiler and Central Heating Cover?
There are numerous advantages to having boiler and central heating cover; neither homeowner’s insurance nor warranties can offer these.
Here’s what central heating cover typically includes:
- Emergency helpline – All you have to do is make a phone call, and the company will arrange to get your problem fixed.
- Premiums – Monthly payments are standardised and should never go up, even if you use their service multiple times.
- All parts and labour included – A lot of insurance plans and warranties will only cover the core costs, meaning you have to shell out for parts and labour. But a boiler and central heating cover plan should always include all parts and labour costs, meaning you know exactly how much you will be spending.
- Guaranteed coverage – Once you sign up, you have guaranteed coverage regardless of what the boiler issue is.
- Quick fixes – Insurance and warranties might cover costs, but they will not guarantee that the problem gets fixed fast. Not so with boiler and central heating care plans. Their helpline will get a qualified engineer to your door fast and the majority can almost guarantee a first-time fix.
- Range of coverage – A boiler and central heating care plan can cover various items. Depending on your plan, you could get protection for your boiler or central heating system, plumbing, electrics, home security, and even pest control. Insurance and warranties seldom cover all these items.
- Peace of mind – The biggest benefit of a boiler and central heating cover plan is peace of mind. Insurance and warranties may cover costs, but they don’t lessen the burden of all the other hassle involved. A cover plan will take care of everything, no matter how serious the problem.
Best Boiler and Central Heating Cover
Boiler cover used to be seen as a costly and unnecessary expense. But the arrival of new names on the market has driven costs down and service up, and now, boiler and central heating cover care plans are gaining popularity. So nowadays, the dilemma for most people is not whether or not to get a boiler and central heating cover plan, but which plan to opt for.
This is a difficult decision, as the market has several quality providers. And this is why we’ve spent the past few months researching all the top plans and providers to see which perform best. We’ve compiled our findings, and can confidently recommend the 3 best boiler and central heating cover providers in the UK in 2022.
Best Boiler and Central Heating Cover Plans — For Homeowners
YourRepair Boiler Cover Homeplan is the best boiler cover for homeowners. It combines a superb level of customer service with flexible plans and highly competitive prices. The result is a stunning all-round plan.
If you opt for YourRepair, you will have a choice of five plans. This means you can pick anything from basic boiler cover to a comprehensive plan that includes electrics, home security, and even pest control. The prices are extremely competitive, and all their boiler care plans come with an annual boiler service and a carbon monoxide test as standard. They also include all costs for parts and labour and unlimited callouts.
YourRepair has a UK-based 24/7 emergency helpline staffed by helpful support staff that will make all the arrangements to get your problem fixed and help put your mind at ease too. They use a network of more than 5,000 qualified heating engineers and boast a 95% first-repair success rate, which means you can be confident your problem will be resolved fast.
BEST HOME CARE PLAN: Try YourRepair Boiler Cover Homeplan today and save even more with our exclusive deal.
24|7 Home Rescue is an FCA-certified provider of boiler insurance (plus repair and installation services) and home emergency policies, boasting some of the lowest prices on the market. In fact, 24|7 Home Rescue is the cheapest provider on our list.
They also offer a monthly rolling contract rather than a 12-month agreement, so you can cancel at any time and only pay for your current month’s agreement. This flexibility has proved a big draw for homeowners.
And whilst prices may be low, you don’t have to compromise on service. Their annual boiler service covers the cost of all parts and labour as standard. 24/7 Home Rescue also has a 95% first-time repair rate and a large pool of qualified engineers on standby. All subscribers are entitled to unlimited repairs and can also access a 24/7 UK-based call centre.
With over 50,000 positive Trust Pilot reviews, you can rest assured your satisfaction is virtually guaranteed.
Read our in-depth review of 24|7 Home Rescue Boiler & Heating Plan Service
BEST VALUE FOR MONEY: Rolling monthly contracts and low prices make 24|7 Home Rescue a truly cost-effective home care plan provider.
#3 – British Gas Home and Boiler Cover
British Gas is the biggest name provider on this list. It is one of the UK’s “Big Six” utility providers and has a strong reputation. Their pricey home care plans reflect this, but give you access to British Gas’ dedicated network of trained engineers. They only service British Gas customers, so you should get fast and reliable service.
Choosing British Gas gives you the confidence that comes with signing up for a household name. They offer four insurance options that cover everything from just your boiler to a comprehensive deal that covers all electrics and plumbing systems, too.
British Gas has a 14-day cooling-off period, which means you can change your mind in the first two weeks if you want to. They have dedicated helplines and will cover parts and labour costs, too. If you want the reassurance of going with a big-name provider, boiler central heating cover from British Gas is the best option for you.
Read our in-depth review on British Gas Homecare
BEST REPUTATION: You know what you’ll get with British Gas, and for a little more, you can have the confidence of using a tried-and-tested provider.
Best Boiler and Central Heating Cover Plans — For Landlords
YourRepair’s Landlord Boiler Cover Homeplan is our top recommendation for landlords because it delivers all the high-quality service of their homeowners plan but with some special landlord-friendly add-ons. You still get an exceptional level of customer service with flexible plans and competitive prices that translate to high-quality all-round service.
YourRepair’s landlord-specific plans offer a choice of five different cover plans to suit all financial circumstances. There is still the option to cover anything from just your boiler to everything from electrics, home security, and pest control. Prices are still impressive, and include your annual boiler service and a free gas safety inspection and certificate. They also come with unlimited callouts and cover all costs for parts and labour.
YourRepair landlord customers can also access a dedicated UK-based 24/7 emergency helpline and the company’s network of more than 5,000 qualified heating engineers. Their 95% first-repair success rate applies to landlords too and as does their detailed customer promise. YourRepair has proved a smash hit with landlords across the country, and in our tests, it was easy to see why.
Read our in-depth review of YourRepair Landlord Boiler Cover Plans
BEST HOME CARE PLAN: Try YourRepair Landlord Boiler Cover Homeplan today and save even more with our exclusive deal
24/7 Home Rescue’s Landlord boiler and heating plan is the cheapest central heating cover for landlords, but it still delivers an impressive service. There is a range of plans available, and prices are astonishingly low for such a detailed service.
The 24/7 Home Rescue plan offers rolling monthly contracts instead of tying landlords to an annual package. This has proved really popular — if properties are not tenanted, landlords can stop their plan to cut their outlay temporarily.
24/7 Home Rescue landlord plans still offer a high quality of service. All landlord deals include gas safety checks and boiler service, and cover the costs of all parts and labour. They have a large network of qualified engineers available, and a 95% first-time repair rate. Their consistently positive customer reviews show a high level of customer satisfaction.
Read our in-depth review of 24/7 Home Rescue Landlord Plans
BEST VALUE FOR MONEY: Rolling monthly contracts and low prices make 24/7 Home Rescue a truly cost-effective landlord home care plan provider.
#3 – British Gas Landlord Home and Boiler Cover
British Gas central heating cover plans offer access to the company’s large network of dedicated engineers and come with the peace of mind you get when using an established company.
Like their homeowner plans, British Gas’ landlord cover costs a little more than the market average. But they do offer a 14-day cooling-off period to let new customers change their minds. Needless to say, a lot of landlords appreciate this flexibility.
Landlords get the choice of four flexible central heating cover plans, and all British Gas plans all come with annual boiler service, a gas safety check and certificate, and cover all parts and labour.
Read our in-depth review of British Gas Landlord Home and Boiler Cover
BEST REPUTATION: You know what you’ll get with British Gas, and for a premium, you get the confidence of using a tried-and-tested provider.
How to Pick the Best Boiler Cover Plan
Whether you are a homeowner or landlord, we have outlined the 3 best boiler cover plans to protect your central heating system. Whether you choose one of the plans we recommended or find another one, consider the following before you sign your name on the dotted line:
Is Your Boiler Covered?
Most boiler and central heating care plans cover major boiler manufacturers and models, whether you have an LPG, oil, or gas boiler. But there are some exceptions, so it’s essential to check that the plan covers your boiler brand and model before signing up. This is especially true if you have an older boiler, or if it’s made by a manufacturer that’s no longer trading.
Choose the Right Package
Think very carefully about which central heating cover plan is right for you. You may think you only need a basic package, only to find that it’s the extra items that are going wrong. Things to consider when choosing a package include the age of your property and the systems in it, the age of boiler you have, how you use the property and, if you have tenants in a property, how careful they’re likely to be.
Factor In Free Extras
When allocating a budget for your boiler and central heating care plan, bear in mind what comes for free with the majority of plans. Your annual boiler service should be included, and a landlord plan should also cover a gas safety inspection and certificate. These extras can typically cost around £80 each.
Think About the Call-Out Fee
The chance to keep monthly fees low can tempt people into leaving a large call out fee on a boiler and central heating cover plan. But this approach can be a mistake, especially if you’re likely to use the service more than once and get multiple call outs. Think carefully when choosing your call-out fee and consider things like the age of your system when choosing the right level. Sometimes paying a little more each month can end up saving you more overall.
Best Boiler Cover — Conclusion
The case for getting a boiler and central heating cover plan is strong, which is why more and more homeowners and landlords are opting to invest in one. In this guide, we have explained some of the things you should be looking for from your plan and shared our picks for the best boiler cover plans available in 2022.
Most importantly, we have also revealed the results of our exclusive tests that reveal the top three boiler and central heating cover plan providers for both homeowners and landlords.
If you feel that we’ve missed something, or would like to ask a question, please leave us a comment below.