BOILER COVER INSURANCE

What is boiler cover?

Boiler insurance covers the costs of repairs if your boiler breaks down completely.

Boiler breakdown cover can help with the costs of:

• calling out an approved engineer to identify boiler issues
• labour costs for necessary repairs
• replacement parts and materials to complete an emergency repairs
• VAT costs.

Cheap boiler cover isn’t necessarily the best cover for your needs; compare what’s included with different policies before making a choice.

What do I do if my boiler breaks down?

If you have boiler insurance covered with Saga, you can give us a call as soon as your boiler breaks down. We’ll find a nearby engineer and arrange for them to come and fix the problem as quickly as possible, as long as your policy covers the issue.

If you don’t have boiler coverage, contact a Gas Safe registered engineer. Renters should contact their landlord, who will be responsible for arranging the repair.

When you’ve arranged for an engineer to repair your boiler, decide whether your home is safe until they arrive. If it’s not, find somewhere else to stay elsewhere until it’s fixed. If the house is too cold and you have older relatives or young children at home, find somewhere else for them to stay until the boiler is fixed.

Can I get boiler cover for older boilers?

It can be more difficult to get insurance for older boilers nearing the end of their life. Some policies only cover newer boilers.

With Saga Home and Heating cover, there’s no maximum boiler age, and our set price isn’t affected by your boiler’s age. If your 25-year-old boiler is still going strong, that’s great! We can cover it.

The average life of a boiler depends on the type, but it’s usually between 10 and 15 years. Older boilers work harder to heat your home, making them less energy-efficient and more expensive to run.

Older boilers are also more likely to be declared ‘beyond economical repair’ as parts may be expensive or impossible to source. If your boiler is over 10 years old, consider how much it costs to install a new boiler compared to the cost of repairing your old one.

What types of boiler cover are available?

Types of boiler insurance include home emergency insurance and boiler breakdown insurance:

• Home emergency insurance covers a range of home emergencies – it helps make your home safe again or reinstate essential services.
• Boiler breakdown policies protect boilers against the potential cost of breakdown.

What types of boiler can I get insurance for?

Most insurers offer coverage for the 3 main boiler types in the UK: conventional, condensing and combi boilers. Contact providers to check they cover your boiler before taking out a policy.

How to keep your boiler healthy

Keeping your boiler healthy is the best way to avoid breakdowns. Get your boiler serviced regularly to check it’s working safely and efficiently.

A well-maintained boiler costs less to run. Regular maintenance costs around £100 for a standard service, which is usually cheaper than repairs.

When arranging a boiler service, always use a Gas Safe registered engineer.