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Gas boilers

Boiler Cover vs Paying for Servicing

Boiler cover plans spread the cost of servicing and repairs. Paying as you go can be cheaper for some homes. Here's how to decide.

3 min read · Updated October 2026

Boiler cover policy and service record documents with a shield, coins and a toolbox

What boiler cover usually includes

Cover plans typically include an annual service and repairs to the boiler, sometimes the controls and central heating system too, for a monthly fee. Higher levels may add plumbing, drains or electrics.

Things to check

Before signing up, check:

  • Whether an annual service is included
  • Excess fees per call-out
  • Age limits or exclusions for older boilers
  • Whether sludge-related faults are excluded
  • Limits on repair costs or replacement
  • Response times in busy periods

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Paying as you go

If your boiler is new and under manufacturer warranty, you may only need an annual service. For older boilers, cover can bring peace of mind, but compare the yearly cost with a typical service plus occasional repairs.

Common questions

Do I need boiler cover with a new boiler?

Often not while it's under the manufacturer's warranty – just keep up servicing.

Does cover replace the boiler if it fails?

Some plans contribute; many don't. Check the terms.

Is a gas safety check included?

Some plans include a landlord check; others charge extra.

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