Boiler cover plans are aggressively marketed — and for good reason. They're highly profitable for the providers. Here's how to assess whether one makes sense for you.
What boiler cover typically includes
Annual boiler service, call-outs for breakdowns, and parts and labour for covered repairs. Some plans include central heating and plumbing cover.
The cost
British Gas HomeCare starts from around £22/month (£264/year) for basic boiler cover. Premium plans including central heating and plumbing reach £480+/year.
The maths on a new boiler
A new Worcester Bosch with 12-year warranty: needs an annual service but repairs are covered by warranty for 12 years. Annual service cost: £79. Over 12 years: £948 total. A boiler cover plan at £264/year over 12 years: £3,168. The warranty covers the same repairs at a fraction of the cost.
When cover makes sense
Older boilers (8+ years) without warranty. Properties where you can't afford an unexpected large repair bill. Landlords who need guaranteed rapid response.
Our recommendation
For new boilers under warranty: skip the cover plan and just pay for annual servicing. For older boilers: boiler cover can be cost-effective if the boiler is unreliable. The most cost-effective solution for most homeowners is a reliable new boiler with a long warranty.