Boiler and Central Heating Cover – Is It Worth It?
In the lead up to the coldest months, you may notice a BIG push online and offline for these boiler and central heating cover products. This article discusses whether it’s worth buying into these boiler service and breakdown cover plans and what the alternatives are.
Typical ads promise boiler service and breakdown cover, however, it’s useful to know that the companies offering these products make a lot of money from customers opting for a boiler breakdown repair insurance.
An average monthly cost of such a plan is around £30 (£360 per year). However, you may still have to pay an excess fee of around £100.
Questions and concerns about boiler and central heating cover:
- Do boilers really go wrong that frequently?
- Does it cover all types of gas boiler systems?
- Is everything covered within my boiler?
- What isn’t covered?
- My boiler is serviced regularly so do I need boiler breakdown cover?
- What am I really getting with this service?
- What if it’s an emergency
- How long will I have to wait for an engineer?
- Is boiler breakdown cover actually worth it?
Do most boiler cover services include what’s really important?
No! In fact, most boiler cover doesn’t include important repairs or replacements that are integral to the well-being of your boiler or central heating system, including:
- Heat exchanger replacement
- Repairs or servicing to under-floor heating,
- Power flushing – removing sludge in the heating system
- Central heating system blockages
- Issues caused by the boiler or central heating installed not to manufacturer’s instructions
- Boiler is too old to source parts
- Boiler replacement
- Operational faults caused by a poor installation
- Flue systems
- Faults caused by sludge in the central heating system
You might wonder if there are some good boiler service plan contracts. However, we’ve had many customers tell us that when substantial repairs were needed, they were told that they weren’t covered! Despite having held the plan for many years! They were left frustrated and angry.
At a push, their contracts may include fixing a faulty pump or valve and if you can put up with the long wait (in most cases) a replacement pump or a valve will cost you approx £100 – £200 with a lifespan of at least 5 years.
The Maths on Boiler and Central Heating Cover
Should a homeowner spend over £300 a year for a service that has a very limited cover? When you think about it like this, it seems plain crazy.
The alternative to Boiler and Central Heating Cover Plans
We recommend saving money by self-insuring. In other words, set money aside for annual servicing and here’s how much.
The typical cost for a service on a standard combination gas boiler is £79. If nothing goes wrong with your boiler over the course of a year, then all it’s cost is £79.
No need for any additional costs or cover. So you can see that you’d have been better off just paying for a one-off service than paying for boiler or central heating cover.
Do some research
A quick check on Google for ‘boiler cover customer complaints’ using big energy company brand in your search will uncover decisive answer to customers who have been on the receiving end of unresolved problems, poor service and a severe lack of value for money.
Also check out our article Boiler Service with British Gas.
We receive hundreds of call-outs to check boilers and heating systems. Many of these systems have been supposedly under breakdown cover and all included a boiler service in their packages.
In fact, we found the majority of these boilers in very bad conditions.
In addition, it was evident that in some cases the casing hadn’t even been removed for years!
We had a few cases where customers told us that the boiler cover service engineer just stuck a probe in the boiler flue and, well, that was it! No checking radiators or controls and in many cases not even removing the boiler casing.
How can a boiler be serviced without removing the casing?!
Our verdict on Boiler and Central Heating Cover
Of course, it’s your decision on how you choose to spend your money. Here’s our advice. Get a reputable company like ours to service your boiler and heating system once a year.
We have a great reputation (our long-standing customers say so!). In fact, many originally came to us in anger and desperation due to their bad experiences with boiler and central heating cover services received by the larger energy companies.
These same customers are now happy: not only from the improved level of service they receive but lower costs too.
Disclaimer: The information contained on this website if for general information purposes only. You should not rely upon the material or information on the website as a basis for making any decisions or actions and we don’t accept liability for anything you chose to do with the information.
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