Each policy can vary widely on price and what cover is offered. Your options will depend on the type of system you have and the extent of cover and central heating maintenance you’re looking for. Also, note that there is a limited range of products for older systems. Our comparison service will show you all your options, including gas boiler insurance.
If you have a standard gas boiler, look for central heating cover that covers some or all of the following:
Repairs to your boiler - parts and labour
A contribution towards the replacement of a system if it is considered beyond repair (normally with a set limit of something like £1,000 or £1,500)
An unlimited or fixed limit to the number of claims you can make in a set year
Read our top tips on getting central heating cover for more advice.
If you have an electric boiler, you should examine boiler and central heating cover that includes some or all of the following features:
Central heating repairs: parts
A guaranteed service in the event of an emergency
A contribution towards the replacement of a system if it is considered beyond repair (normally with a limit)
A maximum (or unlimited) number of claims in a set year
A helpline number
As you'll see, there are lots of different boiler and central heating cover plans available to choose from. To make the decision process easier, use our boiler cover comparison service now to find a deal that matches your requirements.
Learn more about boiler care and central heating repairs.
It's all well and good getting central heating cover but how do you know when to call the repairman, and what should you look out for with your boiler?
The most common problem with boilers is that they simply don't produce any heat or hot water, in which case it's clear that you need to call the repairman. But sometimes the problems are more subtle and harder to detect.
A clear sign that something is wrong is if the colour of your flame is not clear blue. If the flame is yellow or orange it means there's a problem and you should call the engineer.
Another clear sign is if the pressure drops or rises suddenly, and you have to top up the boiler regularly. Alternatively, if you can hear your boiler making strange noises it's a bad sign. Any clunking or ticking is likely to indicate a problem requiring immediate attention.
Finally, you should also look out for a boiler using more gas than you think is normal. If your gas prices are creeping up but your habits haven't changed it could be a problem with your boiler.
Your modern boiler is almost certainly a condensing boiler, which is great for your consumption as they typically use 10-20% less gas than traditional boilers. Unfortunately, they also have an annoying habit of breaking down in cold temperatures, which is why boiler maintenance is so important.
Condensing boilers come with a condensate pipe that can often freeze in sub-zero temperatures, particularly if it’s a long external pipe, so how can you prevent this? One way is to simply leave your heating on all the time. Another is to use your timer to set your heating to come on when the temperatures drop very low at night (either at a set temperature or by using the frost guard setting) or when the house is empty.
If your condensate pipe is already frozen, you can thaw it using a hot water bottle or by pouring hot (but not boiling) water on the pipe and resetting the thermostat.
If the problem persists you could try moving the pipe indoors, have it replaced with a wider pipe, or place insulation around your pipe.
Like all maintenance plans boiler insurance comes with different levels of cover, and different features that vary from policy to policy. Some are capped at £1,000 for instance, so make sure you chose boiler cover with sufficient coverage.
If changing from one insurer to another you should also check your insurer's cancellation terms and conditions. There's nothing worse than switching to a cheaper form of coverage and then being hit with a cancellation charge that wipes out the saving.
You should also note that boiler cover is only possible if you’re the owner of your home. If you rent your home or you are a council tenant, you can't take out boiler cover.
It's also worth noting that an older boiler will be more difficult to insure. While it should be possible to get cover for an older model your choices will be more limited and the costs will, inevitably, be higher.