One time my boiler broke down right as the temperature began to cool. In England. As you can imagine, it was a miserable experience to take cold showers in my cold house, potentially putting me at risk for catching cold or other illnesses. To finally feel warmth again, I had to call an expert to fix my boiler. I wish I had known about HomeServe before I shelled out money for expensive repairs instead of paying monthly for boiler insurance.
While different services vary among different companies, boiler cover, in general, allows you to swiftly call a repairman in case of boiler trouble and reduces the cost of boiler repair should your boiler break down. In some cases, the coverage extends to your overall home heating system. Boilers are essential to maintaining a high-quality and comfortable life in a place as rainy and cold as the UK, and so it’s important to have insurance over it should your boiler have issues.
If your boiler is over seven years old, you should begin thinking about boiler insurance as older machines are more likely to break down. Even if your machine isn’t old, you should consider getting a boiler cover if its warranty ran out. If you have a young boiler under warranty, you’re good. You don’t have to worry until the warranty runs out.
If you still have a warranty on the boiler promising replacement parts or repair free of charge, you don’t need boiler cover. Warranty is essentially cover from the boiler company. Conversely, if you’re a heating engineer or know someone who is, you could most likely rely on your or your friend’s knowledge for boiler repair issues.
If you don’t have boiler warranty or have access to heating engineer knowledge, you could do what most people do — maintain optimistic about the longevity and invincibility of your boiler and hope it doesn’t break down. This option would save you money by forgoing boiler cover, but it leaves you vulnerable in case your mortal boiler breaks down.
What kind of boiler do you have? There are three main types: combi, heat-only and system. Combi provides all the heating and hot water in your home and have no hot water tanks. Heat only provides only heating, and a system boiler provides only heat but in some cases only hot water. Some boilers may operate in a different language, or have on/off controllers for easier temperature control. Be sure to have a general knowledge of your boiler to easier facilitate potential boiler repairs.
Boiler cover may seem the same as boiler insurance, but they are two separate things. Boiler cover is an insurance policy or service agreement covering boiler breakdowns and can be extended to your central heating system. Generally, home assistant companies provide boiler cover.
Boiler insurance is an insurance-backed policy covering boiler breakdowns and can again be extended to your central heating system. The FCA regulates boiler insurance, and the Finance Ombudsman handles any complaints.
Some boiler companies offer cheaper monthly or annual boiler cover prices depending on if you’re willing to pay an excess — the amount paid up front should your boiler break down. The higher the excess, the cheaper the monthly cover payments and vice versa.
The company provides basic boiler service all the way up to cover for essentially any issue in your home. They offer five total service packages ranging from £8 to £23 a month. If a HomeServe engineer can’t fix your boiler, they’ll replace it. If the boiler is under seven years old, they’ll install it for free.
HomeServe is one of the UK’s leading home assistant companies, right behind other giants like British Gas and Worcester Bosch, according to Which?
Again, the HomeServe boiler cover would be best for people with older boilers without warranty. If you have a young boiler and are covered by warranty, you probably don’t need this service.
- Various home assistant packages ranging from boiler and gas service to nearly everything you would need cover for in a home.
- The cheapest basic monthly package is about the cost of 2-3 coffees. Very affordable.
- Service charge is free within the first year of using HomeServe’s services.
- 12-month guarantee on most repairs.
- 24 hour UK helpline.
- Monthly costs increase after the first year in the least and most expensive packages.
- HomeServe may not be able to service all boiler types, such as the Gledhill brand.
- Services are only for houses. No business or apartment options available.
As mentioned previously, HomeServe offers five cover packages. All of them include boiler service in the cover. You can pay a £0, £60 or £100 excess for the first two packages. For the last three packages, you can pay a £0 or £60 excess.
The first package is the Gas Boiler Breakdown Cover. It includes a free service cost in the first year of purchasing this — which I think is great if you’re unsure of continuing HomeServe’s services. This package includes gas boiler, boiler service and gas supply pipe cover, costing you £8 a month. What’s not covered is faulty radiators, water pipes, tanks and cylinders external to your boiler and a gas pipe leading into your meter.
The second package is the Gas Central Heating Cover for £13 a month. Service costs are free with this package, and it also covers gas boiler, boiler service, gas central heating, and gas supply pipe repairs. Excluded are gas pipes leading to your meter. You can claim as frequently as you want. As long as your boiler isn’t beyond economical repair, there’s not claims value limit. A gas supply pipe claim is £4,000 limit.
The Plumbing & Heating package covers the gas boiler, boiler service, gas central heating, gas supply pipe, plumbing and drainage and the water supply pipe. It costs £17 monthly, with service costs free. Guttering, showers, soakaways and gas pipes leading to the meter are not included in this coverage. You can take out claims as many times as you like, but there’s a £4,000 limit per claim.
The fourth package is called Plumbing, Heating & Electrics and costs £20 a month. Along with free service, this package covers your gas boiler, boiler service, gas central heating, gas supply pipe, plumbing, drainage, water supply pipe and electrics. Household appliances, showers, gutters, soakaways, and gas pipes leading to your meter are not included. Each claim has a £4,000, and you can take out as many claims as you want.
The fifth and final package, HomeServe Cover 8, covers the gas boiler, boiler service, gas central heating, gas supply pipe, plumbing and drainage, water supply pipe, electrics, pest infestations, security and roofing. The package costs £23 a month, with the service cost included in the first year.
All of these packages allow you to pick and choose what services best suit your living situation, which means you don’t have to pay for pest services if you don’t want to. The combined packages are also nice if you want to avoid outsourcing services to multiple companies for, say, plumbing and also pest services. Everything is wrapped up in one neat bowtie in the HomeServe Cover 8 package.
The costs fit into the budget of most families, giving you peace of mind over your homes most essential utilities and needs. Even if you think you can forgo plumbing and electric concerns, a warm house is important. The cheap cost ensures everyone gets it. I feel these packages are a great way for HomeServe to not only serve people’s homes but people’s financial situation and personal preferences as well.
HomeServe also offers on-call services for non-customers but still need repairs. Just go to their website, enter what you need to be fixed and your postcode and an expert engineer will come out to your home. If you experience frequent breakdowns, a HomeServe expert can inspect your boiler and offer a free quote as to what a new one would cost. Should you buy from HomeServe, you could get a top-tier energy efficient boiler with a thermostat at a fixed price.
While HomeServe is committed to providing quick boiler service, they prioritise vulnerable customers like the elderly or families with small children.
We’ve searched the internet and found a generally positive review of HomeServe. They have a “Great” rating on a trusted customer review site, and more people support the company than dislike them in reviews. Below, a customer named Isherwood praises the company’s high-quality service.
Linda Miller liked the overall speedy service.
And MLJ Cleaver recommends HomeServe to any homeowner.
However, some people, such as C Simcock, experienced difficulty using HomeServe. This person describes waiting all day for a repair only to have their service cancelled.
While some people are bound to have bad experiences at some point, there’s a reason HomeServe has a 71% rating for “Excellent” service.
If you don’t like what HomeServe has to offer, there are still further options for you.
A local boiler cover or repair business. This kind of business may be more or less expensive than HomeServe depending on where you live. For example, Hereford Heating Ltd could give you boiler breakdown repairs for £75 and provide same-day service.
Local shops will usually provide cheap repairs when you need them rather than paying for monthly boiler cover. However, it’s unlikely one boiler repair shop will also handle electrical or plumbing repairs, so the cost of going to different local specialists could add up. This would be less convenient than paying the monthly cover for, say, HomeServe’s HomeServe Cover 8 for various home needs.
- Cheaper services usually
- Typically no boiler cover offered — only repairs.
- Would have to outsource many services (plumbing, electricity, pest control) than use HomeServe’s inclusive packages.
British Gas is a bit more expensive than HomeServe and doesn’t offer as many services. British gas also has a “Bad” rating on the same customer review site giving HomeServe an “Excellent” rating. However, British Gas is still one of the UK’s top boiler cover and repair services and can provide quick, high-quality service within 24 hours. One of their advantages over HomeServe is that you can pay for your cover annually rather than monthly. You can check out their boiler services on their website.
- More expensive.
- Reviews for this company are lower than HomeServe’s
- Have the option to pay annually versus monthly.
This company works with over 4,500 local, independent engineers to provide 24/7 boiler repair services. The company offers four services ranging from boiler and central heating services along with annual boiler service for less than £13 a month. The most expensive monthly cover is less than £16 a month and offers more services than HomeServe’s most expensive package. Corgi HomePlan could be a good choice for people who want comprehensive peace of mind over common home concerns at an affordable price. Check out what they offer on their website.
- Contracts local engineers rather than staffing their own.
- Fewer packages than HomeServe.
- Rated higher on customer review sites than HomeServe.
- Cheaper packages that can potentially provide more services than HomeServe.
Don’t be like me and be stuck without a working boiler. HomeServe offers comprehensive boiler cover and repairs in addition to other services to make your homework as efficiently as possible. HomeServe is rated highly on trusted customer review sites and provide affordable monthly home cover that any family can afford. If you want to see for yourself what HomeServe offers, check out their website.