Wondering what boiler and heating cover is? Read on to find out more about what it covers you for, if it’s worth it, and how much it costs.
What exactly is boiling and heating cover?
Boiler and heating cover provides insurance against the cost of repairing your boiler and any damage caused by your central heating system – including the pipes and radiators. It can also cover central heating pumps and more, depending on the policy you have. When you have boiling and heating cover in place, you can call out an engineer to fix the issue within your system without having to pay call-out charges or excessive repair costs. For example, if you find that your radiators don’t warm up or there’s no hot water, they will come to your house and attempt to fix it. If repair work is required, the costs of all parts and labour should be covered by your policy.
If you have boiler-only cover, this covers the boiler itself and the controls in case of a breakdown. If any damage occurs outside the ‘white box’ itself, this would come under the central heating, so it wouldn’t be covered by boiler-only cover. It’s worth knowing that most central heating claims are due to a broken boiler.
You only need to consider boiling and heating cover if you’re a homeowner. If you rent your home, boiling and heating cover isn’t your responsibility, and should be covered by your landlord or housing association.
Does my home insurance cover my boiler and heating?
Generally speaking, the answer is no. Because boiler breakdowns are pretty common and can be expensive to fix, the vast majority of insurance companies will not include boiler and heating cover in home insurance policies.
Sometimes, insurance companies may offer an additional option known as ‘emergency home cover’, which covers things like burst pipes or boiler breakdown. Check whether you have this already before taking out separate boiler and heating cover.
If you’re considering adding emergency home cover, make sure you read through the details to make sure exactly what you need is covered.
How often should I get my boiler and heating serviced?
It’s strongly advised that your boiler is serviced every year. This should be enough to keep it in good working order and limit wear and tear as much as possible. In general, there’s no need to service your boiler more than once a year.
When you have boiler and heating cover, an annual boiler service is usually free of change. If a boiler service isn’t included, you can expect to pay between £50 and £80 towards a standard efficiency inspection. It could cost even more if you have a condensing boiler.
What are the benefits of boiler and heating cover?
The main advantage of boiler and heating cover is the precious peace of mind it can bring. When you pay monthly for your cover, you can rest easy knowing you can call somebody to come and fix it if anything goes wrong. In addition, if something goes wrong and you don’t have cover in place, one-off callout charges can be very expensive.
How much does it cost?
The price of home and boiler cover varies from provider to provider. With British Gas, boiler and central heating cover costs around £14 per month. Known as HomeCare Two, this type of cover includes the following:
- Repairs to your gas central heating system, including your boiler, controls, radiators and hot water cylinder.
- An annual boiler service to ensure it’s running safely and efficiently
- Accidental damage
- Up to £1,000 to gain access to and make good for each repair.
How do I contact British Gas?
To speak to British Gas about taking out boiler and heating cover, you’ll need to contact the home services department. You can call British Gas on 0843 902 0746.
If you already have boiler and heating cover with British Gas, you can manage your account and book a repair online, or you can use the app.
What are their operation hours?
British Gas’ home services department is open from Monday to Friday, from 8 am to 8 pm, and Saturday from 8 am to 6 pm.
What is the complaints procedure?
If you’d like to make a complaint about British Gas’ home services, the first step is to call 0843 902 0746. Alternatively, you can write to the following address: Services Customer Relations, PO Box 699, Winchester, SO23 5AR.