Here we answer some of the boiler cover questions you may (or may not) already know

What is boiler cover?

Boiler cover is a type of insurance designed to avoid expensive repair bills, whilst offering householders 24/7 emergency assistance if their gas boiler breaks down.

How much does it cost?

That depends on the offer. An example would be the basic emergency boiler cover from the AA costing £16.48 a month. It covers 4 boiler breakdowns a year (plus unlimited cover for labour, parts and material), up to £250 towards the cost of a new boiler and an annual service. Extras can be added, such as central heating and electrics cover.

Is it covered under my home insurance?

Boiler repairs can form part of a home insurance policy but usually as an “extra”. Esure’s home emergency cover costs £53.99 a year, as a bolt-on to either buildings or contents insurance. It’s wise to check your policy before buying, just to ensure you don’t double up.

Do I need boiler cover if I am renting?

No, your landlord or lettings agent are responsible. It is just worth checking what kind of cover is in place and requesting the emergency phone number should you need it at any time.

What are the pitfalls if any?

Don’t be persuaded to buy any cover you don’t need. In October 2011 HomeServe was forced to suspend sales following allegations of mis-sold policies, such as those to council tenants who are not responsible for the maintenance.

Find out more about Boiler Cover & Insurance.