Boiler & central heating breakdown cover for landlords

Letting out property can be stressful – so the last thing you need as a landlord is a phone call from your tenant saying there’s a problem with the boiler.

These things happen – but at least if you have a breakdown plan in place for the boiler and central heating you can call on an expert engineer to fix the problem, or even authorise a replacement, at no additional cost. You can even get the peace of mind of having an annual service as part of the contract.

MoneySuperMarket doesn't offer a comparison service for this type of product but we have compiled a list below of insurers who can help

 

    • Provider/Product name Landlord's Emergency Plus Cover<br><br> £7.00 per month

      Homeserve

      Landlord's Emergency Plus Cover

      £7.00 per month

    • Description

      What's Covered:
      - Plumbing and drainage
      - Electrical wiring
      - Security and roofing incidents

      This cover also includes:
      - £50 excess per claim
      - Access to a network of expert plumbers
      - Free 24/7 UK help line that your tenant can call to report a problem
      - Unlimited number of claims
      - Parts, labour and VAT

      Price stated is for the first year only. Terms, conditions and exclusions apply. Landlords only.

    • Go to site

    This policy is sold, arranged and administered by HomeServe, which is a trading name of HomeServe Membership Limited, Cable Drive, Walsall, WS2 7BN (registered in England company no. 2770612) which is authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation activity under firm reference number 312518. This policy is underwritten by Aviva Insurance Limited.

    • Provider/Product name Landlords Basic<br><br>From £7.00 per month (£75 excess)

      24|7 Home Rescue

      Landlords Basic

      From £7.00 per month (£75 excess)

    • Description

      Take the hassle out of protecting your tenants and cover them all under one roof with 24/7 Home Rescue's landlords monthly rolling cover plan. Plus, with 24/7 Home Rescue's landlord cover, your tenants can report faults directly even though they aren't the policy holder.

      What's included:
      - Boiler Breakdown
      - 24 Hour Call Outs
      - Unlimited Call Outs
      - Unlimited Claims
      - Nationwide Coverage
      - Parts & Labour
      - Monthly Rolling Contract
      - No Hidden Charges
      - Access To Over 3000 Gas Safe Registered Engineers

      All costs are included and there are no hidden labour fees, call out charges or additional charges for parts. 24/7 Home Rescue have a 24 hour UK based helpline in case you have an emergency, and their qualified Gas Safe engineers are never too far away as they are nationwide.

    • Go to site

    Exclusive

    EXCLUSIVE DEAL - Further 10% off on this package use MS10 voucher code to redeem the offer

    This plan is a landlord care service agreement and not an insurance policy. Please read full terms and conditions.

    • Provider/Product name Landlords Premium<br><br>£10.96 per month (£75 excess)

      24|7 Home Rescue

      Landlords Premium

      £10.96 per month (£75 excess)

    • Description

      Take the hassle out of protecting your tenants and cover them all under one roof with 24/7 Home Rescue's monthly rolling cover plan. Plus, with 24/7 Home Rescue's landlord cover, your tenants can report faults directly even though they aren't the policy holder.

      What's included:
      - Boiler Breakdown
      - CP12 Gas Safety Certificate
      - Carbon Monoxide Test
      - Gas Safe Check
      - Unlimited Call Outs
      - Unlimited Claims
      - Nationwide Coverage
      - Central Heating System
      - FREE Boiler Service
      - 24 Hour Call Outs
      - Parts & Labour
      - Monthly Rolling Contract
      - No Hidden Charges
      - Access To Over 3000 Gas Safe Registered Engineers

      There are no hidden labour fees, charges for call outs or extra parts. 24/7 Home Rescue's 24 hour UK helpline and nationwide Gas Safe engineers are at hand in case of an emergency.

    • Go to site

    Exclusive

    EXCLUSIVE DEAL - Further 10% off on this package use MS10 voucher code to redeem the offer

    This plan is a landlord care service agreement and not an insurance policy. Please read full terms and conditions.

    • Provider/Product name HomeCare One with Gas SC<br><br>From £12.00 per month (£60 excess)

      British Gas (Boiler cover)

      HomeCare One with Gas SC

      From £12.00 per month (£60 excess)

    • Description

      Keep your tenants’ home safe and sound. British Gas will look after your boiler & controls minimising hassle and helping ensure that as a landlord, you meet your gas safety obligations.

      What’s included in your HomeCare One with Gas Safety Certificate:

      - Repairs to your boiler & controls
      - Annual service of your boiler
      - Landlord Gas Safety Certificate

      British Gas Home One with a Gas Safety Certificate covers most of the things you’d expect, though there are a few exceptions such as repairs to a central heating system, showers and removal of sludge and scale. Conditions and exclusions apply; please see full Terms & Conditions.

    • Go to site

    British Gas Services Limited is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales (Registered No. 03141243). Registered office: Millstream, Maidenhead Road, Windsor, Berkshire SL4 5GD

    • Provider/Product name Landlord's Combined Cover CP12 & Service<br><br> £17.50 per month

      Homeserve

      Landlord's Combined Cover CP12 & Service

      £17.50 per month

    • Description

      Take some of the hassle out of rental property incidents and emergencies with Landlord's Combined Cover.

      What's Covered:
      - Annual boiler service and Gas Safety Inspection (CP12) - Free in the first year
      - Boiler, thermostat and controls
      - Gas central heating system
      - Plumbing and drainage
      - Electrical wiring
      - Security and roofing incidents
      - Pest infestations

      This cover also includes:
      - £50 excess per claim
      - Access to a network of Gas Safe registered engineers and expert plumbers
      - Free 24/7 UK help line that your tenant can call to report a problem
      - Unlimited number of claims
      - Parts, labour and VAT

      Price stated is for the first year only. Terms, conditions and exclusions apply. Landlords only.

    • Go to site

    This policy is sold, arranged and administered by HomeServe, which is a trading name of HomeServe Membership Limited, Cable Drive, Walsall, WS2 7BN (registered in England company no. 2770612) which is authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation activity under firm reference number 312518. This policy is underwritten by Aviva Insurance Limited. The annual boiler service and CP12 are described as free when compared to the equivalent product without the service elements, this is not regulated by the FCA.

    • Provider/Product name HomeCare Two with Gas SC<br><br>From £14.24 per month (£60 excess)

      British Gas (Boiler cover)

      HomeCare Two with Gas SC

      From £14.24 per month (£60 excess)

    • Description

      Keep your tenants’ home safe and sound. Have your essentials taken care of with expert advice. You and your tenants can benefit from central heating and boiler cover which provides ongoing servicing and cover for breakdown and repairs.

      What’s included in your HomeCare Two with a Gas Safety Certificate:

      - Repairs to your boiler & controls
      - Repairs to your central heating system
      - Annual service of your boiler
      - Landlord Gas Safety Certificate

      British Gas HomeCare Two with a Gas Safety Certificate covers most of the things you’dexpect, though there are a few exceptions such as repairs to showers, taps and removal of sludge and scale, for full details please see Terms & Conditions.


      [1]Offer is available to new customers who buy HomeCare Two - Four products online between 20th September and 31st October 2016. The cost of 11 months Homecare cover will be spread over 12 monthly payments. Existing residential customers and domestic Landlords who wish to upgrade can get a discount off the additional features they are adding to their product holding for the remainder of their contract year.

    • Go to site

    British Gas Services Limited is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales (Registered No. 03141243). Registered office: Millstream, Maidenhead Road, Windsor, Berkshire SL4 5GD

    • Provider/Product name Landlords Deluxe<br><br>£13.89 per month (£75 excess)

      24|7 Home Rescue

      Landlords Deluxe

      £13.89 per month (£75 excess)

    • Description

      Take the hassle out of protecting your tenants and cover them all under one roof with 24/7 Home Rescue's monthly rolling cover plan. Plus, with 24/7 Home Rescue's landlord cover, your tenants can report faults directly even though they aren't the policy holder.

      What's included:
      - Boiler Breakdown
      - Carbon Monoxide Test
      - Gas Safe Check
      - CP12 Certificate
      - 24 Hour Call Outs
      - Unlimited Call Outs
      - Unlimited Claims
      - Nationwide Coverage
      - Internal Plumbing & Drainage
      - Home Security
      - FREE Boiler Service
      - Parts & Labour
      - Monthly Rolling Contract
      - No Hidden Charges
      - Access To Over 3000 Gas Safe Registered Engineers

      There are no hidden labour fees, charges for call outs or extra parts. 24/7 Home Rescue's 24 hour UK helpline and nationwide Gas Safe engineers are at hand in case of an emergency.

    • Go to site

    Exclusive

    EXCLUSIVE DEAL - Further 10% off on this package use MS10 voucher code to redeem the offer

    This plan is a landlord care service agreement and not an insurance policy. Please read full terms and conditions.

    • Provider/Product name HomeCare Three with Gas SC<br><br>From £17.43 per month (£60 excess)

      British Gas (Boiler cover)

      HomeCare Three with Gas SC

      From £17.43 per month (£60 excess)

    • Description

      Keep your tenants’ home safe and sound. British Gas will cover you for your boiler & controls, central heating, plumbing & drains as well as an annual service visit.

      What’s included in your HomeCare Three with Gas Safety Certificate:

      - Repairs to your boiler & controls
      - Repairs to your central heating system
      - Repairs to your plumbing & drains
      - Annual service of your boiler
      - Landlord Gas Safety Certificate

      British Gas HomeCare Three with a Gas Safety Certificate covers most of the things you’d expect, though there are a few exceptions such as repairs to showers, shared drains and removal of sludge and scale, for full details please see Terms & Conditions.

      [1]Offer is available to new customers who buy HomeCare Two - Four products online between 20th September and 31st October 2016. The cost of 11 months Homecare cover will be spread over 12 monthly payments. Existing residential customers and domestic Landlords who wish to upgrade can get a discount off the additional features they are adding to their product holding for the remainder of their contract year.

       

    • Go to site

    British Gas Services Limited is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales (Registered No. 03141243). Registered office: Millstream, Maidenhead Road, Windsor, Berkshire SL4 5GD

    • Provider/Product name Shield Landlord Gas Boiler Care<br><br>£18.90 p/m, No call-out fees

      SSE

      Shield Landlord Gas Boiler Care

      £18.90 p/m, No call-out fees

    • Description

      Includes a service every year worth £1053 which includes a gas safety certificate

      • Unlimited call-outs, parts and labour1
      • 24/7 emergency call centre
      • Initial inspection and annual service included
      • Gas safety record certificate
      • Gas Safe registered engineers
      • Covers your boiler and heating controls
      • If SSE are unable to reasonably source spare parts they will replace your boiler with one of a similar specification provided it is less than seven years old
      • 12 month contract

       

       

    • Go to site

    Special Offer

    Free fitted CO Detector worth £252

    This is a service and repair contract, not an insurance policy

     

    1 Subject to Terms & Conditions



    2Offer ends 6 October 2016 and is subject to Terms & Conditions available here . Carbon Monoxide detector will be supplied and fitted for free at your initial inspection when it’s confirmed your boiler can be taken on to your chosen cover. Available for residential boilers only. Subject to availability. Not to be used in conjunction with any other offer.

     

    3When you take out a 12 month contract. Based on price of SSE Boiler Service correct as of 1 April 2016.

     

    • Provider/Product name HomeCare Four with Gas SC<br><br>From £19.70 per month (£60 excess)

      British Gas (Boiler cover)

      HomeCare Four with Gas SC

      From £19.70 per month (£60 excess)

    • Description

      Keep your tenants’ home safe and sound. As the most comprehensive HomeCare product from British Gas, HomeCare Four with a Gas Safety Certificate is designed to give you peace of mind with cover for your boiler, central heating, plumbing and electrics.

      What’s included in your HomeCare Four with a Gas Safety Certificate:

      - Repairs to your boiler & controls
      - Repairs to your central heating system
      - Repairs to your plumbing & drains
      - Repairs to your electrical wiring and fixtures
      - Annual service of your boiler
      - Landlord Gas Safety Certificate

      British Gas HomeCare Four with a Gas Safety Certificate covers most of the things you’d expect, though there are a few exceptions such as repairs to showers, shared drains and removal of sludge and scale, for full details please see Terms & Conditions.


      [1]Offer is available to new customers who buy HomeCare Two - Four products online between 20th September and 31st October 2016. The cost of 11 months Homecare cover will be spread over 12 monthly payments. Existing residential customers and domestic Landlords who wish to upgrade can get a discount off the additional features they are adding to their product holding for the remainder of their contract year.

    • Go to site

    British Gas Services Limited is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales (Registered No. 03141243). Registered office: Millstream, Maidenhead Road, Windsor, Berkshire SL4 5GD

    • Provider/Product name Shield Landlord Gas Heating Care<br><br>£20.90 p/m, No call-out fees

      SSE

      Shield Landlord Gas Heating Care

      £20.90 p/m, No call-out fees

    • Description

      Includes a service every year worth £1053 which includes a gas safety certificate

      • Unlimited call-outs, parts and labour1
      • 24/7 emergency call centre
      • Initial inspection and annual service included
      • Gas safety record certificate
      • Gas Safe registered engineers
      • Covers your boiler, radiators and pipes, Hot water cylinder and Temperature regulating valves
      • If SSE are unable to reasonably source spare parts they will replace your boiler with one of a similar specification provided it is less than seven years old
      • 12 month contract

       

       

    • Go to site

    Special Offer

    Free fitted CO Detector worth £252

    This is a service and repair contract, not an insurance policy

     

    1 Subject to Terms & Conditions


    2Offer ends 6 October 2016 and is subject to Terms & Conditions available here . Carbon Monoxide detector will be supplied and fitted for free at your initial inspection when it’s confirmed your boiler can be taken on to your chosen cover. Available for residential boilers only. Subject to availability. Not to be used in conjunction with any other offer.

     

    3When you take out a 12 month contract. Based on price of SSE Boiler Service correct as of 1 April 2016.

     

     

  1. HomeServe is a trading name of HomeServe Membership Ltd, Cable Drive, Walsall, WS2 7BN (registered in England no. 2770612).

Landlord services

If you own property which you let out, then the chances are you’ll know how stressful it is to suddenly have to find an emergency plumber or electrician when your tenants need one.

Landlord cover can provide valuable peace of mind that you’ll have an expert on hand to help sort things out whatever the problem, whether it’s a plumbing or drainage emergency, or an electrical or boiler issue.

Many policies also cover security and roofing, so if, for example, there is a break in and the locks are damaged, a locksmith will come and secure the property.

If the policy you choose includes boiler cover, it may also come with an annual Gas Safety Inspection and an annual boiler service. This is often free in the first year, but there may be a charge in subsequent years.

Single point of contact

You’ll have one number to call, and once you’ve explained what’s wrong, an approved engineer will be sent to the property to make repairs. 

There will usually be an excess to pay, typically £50, every time you make a claim. An engineer won’t be sent until the excess has been paid.

It is the landlord’s responsibility to pay this excess, not the tenant’s, but a payment from the tenant will be accepted so that the claim can proceed quickly. 

Some polices allow you to choose a bigger excess in order to reduce monthly premiums. Remember, however, that the excess should be affordable, otherwise you may struggle to make a claim at all. 

Cover restrictions

Check for any restrictions before taking out this kind of cover. Some plans only provide cover for houses and bungalows, but not flats and mobile homes, whereas other policies are designed specifically for landlords with flats.

There will normally be an exclusion period when you first take out the policy, during which you cannot make a claim. This is often 14 days, but can be 30 days in some instances. 

 
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