Central heating and boiler cover
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What is central heating and boiler cover?
When you take out boiler cover or home emergency insurance, there are different levels of cover you can choose.
Boiler-only cover doesn’t pay out for repairs to radiators or any other part of your central heating system – but a boiler and central heating cover policy will protect both. These policies will cover repairs and servicing to your boiler, gas supply line, radiators, pump, and flue.
What they won’t cover are repairs to your plumbing, drains, or home electrics – these are included in more comprehensive boiler, electrics, plumbing, and heating cover.
To choose your level of cover, just compare boiler cover with MoneySuperMarket. We’ll ask a few questions to get you started, so all you need to do is select ‘yes’ to include central heating.
What’s included with central heating and boiler cover?
Sign up for a policy that pairs boiler insurance with cover for central heating and you can rest assured it’ll handle any problems with your gas boiler, hot water, radiators and central heating system. That means it's pretty comprehensive, as cover goes.
But it's still important to note that it doesn’t generally include other plumbing, leaks, or drainage repairs – though some providers have the option to include that too.
You can get a better idea of what sort of cover to expect in the table to the right. However, it's vital to remember that the exact cover will vary from policy to policy, so always check the details before you sign up.
Boiler cover only | Boiler with central heating | |
|---|---|---|
Boiler repairs | Yes | Yes |
Annual boiler servicing | Yes | Yes |
Gas supply line issues | Yes | Yes |
Central heating repairs | No | Yes |
Radiator repairs | No | Yes |
Plumbing and drain issues | No | No |
Home electrics | No | No |
What else is included?
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Engineer visits
All policies include engineer visits, whether it’s to fix a problem or perform an annual service
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Callout fees
Parts and labour are usually included, though some policies have a fixed callout fee – typically £50-100
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Emergency helpline
Most policies include a 24/7 contact number to call if your boiler or central heating breaks down
Do I need boiler and central heating cover?
Taking out boiler cover is great for peace of mind. It means that any breakdowns and issues can be dealt with immediately and at a very low cost to you. Plus, regular servicing can help prevent problems happening in the first place.
Adding central heating cover to that just gives you even more peace of mind.
Without boiler cover, you can of course still have boiler and radiator breakdowns dealt with very quickly. However, it will cost you a lot more if it happens.
Taking out boiler cover means you won’t have to deal with sudden expenses – the last thing you want when you’re already dealing with broken-down heating.
Central heating and boiler cover providers
We work with a variety of boiler cover suppliers, but the exact ones who offer services available to you can vary – depending on factors like your location, boiler type, and breadth of cover.
Central heating and boiler cover is a form of home emergency cover. So, providers include insurance companies who offer that, as well as some gas suppliers and dedicated boiler repair companies.
The best way to see all the providers you can choose from is simply to use our comparison tool. You’ll see all the suppliers we work with available to you within minutes.
Providers we work with include:
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More expert boiler guidance
What’s the difference between boiler cover and central heating cover?
Boiler-only cover just includes your boiler – that’s repairs, annual servicing, and emergency callouts.
Central heating cover, meanwhile, can be added on to a boiler cover policy. It offers additional cover for repairs and servicing to your radiators, pump, flue, and general central heating system.
Does boiler cover insurance include radiators?
Boiler cover insurance on its own does not include radiators if it’s a basic boiler-only policy. However, you can upgrade it to a more comprehensive boiler and central heating policy, which does include radiators.
Can I claim immediately on boiler cover?
Most boiler cover policies have a no-claims period, usually lasting for the first 14-30 days of the insurance term. This is to prevent people from taking out a policy only when they need it, and to prevent fraud.
That said, some boiler cover providers do allow you to make a claim immediately. Check each provider’s individual policy for more information.
Can I get boiler cover for an old boiler?
Providers sometimes have a limit on how old your boiler can be and still qualify for boiler cover – often around 15 years. Many, however, have no age limit at all.
If you have an older boiler in your rental property it may be worth looking at new installations – modern boilers are usually more energy efficient and better for the environment.
Plus, as greener energy solutions are a big part of modern life you may find it easier to find tenants if your property has a higher green rating.
What if my boiler and central heating system is very old?
Older boilers and heating systems can be harder to find cover for – this is because they can often fall short of the requirements many cover providers will have, such as general performance standards as well as emissions and energy efficiency standards. The premiums for covering old boilers are generally higher, but you may not be able to get cover at all with some providers.
What types of boiler cover are there?
There are two main types of cover available; boiler breakdown cover and full central heating cover. Boiler cover, as you might expect, only protects the boiler and its controls, whilst central heating breakdown cover also protects everything connected to it, including radiators and plumbing. A number of deals for either of these two types of cover may include a boiler service for no additional cost or a small fee, so compare to find the best deal for you.
Don’t wait until your boiler breaks down
Taking out boiler cover as soon as your boiler breaks down is risky – in fact, many providers have a no-claims period in place to stop this from happening. The length of the no-claim period can differ between insurers, but it’s generally between a few days and a few weeks. It’s better to take a policy out as soon as you can, so if something does happen to your boiler you’re more likely to have cover in place.
Remember servicing and safety inspections
When you take out boiler cover, it’s useful to include a policy for regular servicing and safety inspections – this can help you keep your boiler in ideal shape, reducing the risk of needing repairs in the future.
Carry out proper maintenance
Your boiler cover provider may not pay out claims that come about as a result of poor or no maintenance on your part – for example, a build-up of limescale. It’s up to you to make sure your boiler is maintained properly.
Don’t take out cover you don’t need
It’s worth remembering that boiler cover can come as a standalone policy but also as part of a home insurance deal. You should check whether your home insurance includes boiler cover as standard, or even as an extra add-on, as it may work out cheaper than taking out cover separately.
It might be your landlord’s responsibility
If you’re a renter, you may not have to worry about boiler cover as it’s generally the homeowner’s responsibility – in this case, your landlord. You might be able to take out a separate policy but it will usually have to be with your landlord’s permission.
Gas safe engineer and certificate
When you have your boiler serviced or inspected, this should always be done by a gas-safe engineer. Gas-safe engineers are qualified to work on, inspect, and service gas boilers, and they are the only people legally allowed to do so. To ensure your engineer is gas-safe be sure to ask for ID. You can also check the company they work for has a gas-safe logo.
Recognise when you need a servicing/new boiler
It’s always helpful to know when your boiler needs to be looked at, so recognising tell-tale signs like an extinguished pilot light, a flame that isn’t blue, strange smells or sounds, or general performances issues can help you take action sooner rather than later.
Shop around
The best way to find a good deal is by shopping around, as this way you can see all the options available to you. This means you can compare deals by factors that are important like single-items limits, worldwide cover, theft excess, and cost. Once you’ve compared your options you’ll be able to find a deal that suits your needs best.
Reviewed on 17 Dec 2025 by
