Boiler Breakdown Insurance

Winter seems to be getting increasingly harsh during this pandemic situation and boilers are stretched to their limit to keep a home warm. Without regular service a boiler may break down when you need it the most. That has the potential to leave you and your loved ones at a loose end as you prepare to face the cold weather. A boiler breakdown insurance plan for your boiler and central heating system to cover your boiler in the event it breaks down, it may give you peace of mind. An engineer will visit, assess and try to fix the problem. The boiler in your home is made up of a combination of moving parts which help heat the water and circulate heat around your home. Of course, these parts are prone to wear and tear. So take preventative action with regular boiler maintenance.

There are a number of things you should look out for when choosing an insurance plan for your boiler or central heating system. The first should always be what is covered by the policy. There is no point in getting a cheap cover plan if it means call outs or spare parts are not included. Check that parts, labour, call outs and regular service are all included in your insurance policy so that you won’t be forking out any extra cash later down the line.When you are choosing a new insurance policy that suits your needs, bear in mind that if your boiler is over ten years old it may not be eligible for any cover plan at all. If you have an older system it’s a good idea to check these terms and conditions in detail as even if you can get the insurance plan you want you may be required to undergo a boiler inspection.

Getting an insurance cover for your boiler and central heating is always a good idea as the cost of a breakdown can quickly add up, not to mention the hassle it can cause. By making sure you have the right insurance protection for your system you can rest easy that if anything happens you and your central heating will be well taken care of.

Factors influencing costs of boiler repairs and call out fees:

Apart from the reason behind your boiler’s malfunctioning, the typical things that have a bearing on what the repair might cost are:

– Time when repair is needed: Though boiler breakdown is inconvenient any time it happens, getting repairs in the winter can be more expensive. The reason for it is the increase in demand for the heating system experts during these months.

– Boiler age: The older boilers are likely to breakdown more frequently. Moreover, their parts may also not be easily available. This makes repairing older boilers more costly.

– Type of boilers: Repairing the highly advanced boilers like the Combi boiler requires better technical skills than are needed for the standard boilers. Therefore, it is often expensive.

– Your residential location: If you live in a city centre, or a densely populated and conveniently located region, the boiler repair costs are likely to be reasonably priced.


£250 Claim Limit
£5.99 / month
  • Gas safe registered engineers
  • Fast breakdown response
  • Boilers upto 10 years
  • £25 Excess


£500 Claim Limit
£7.99 / month
  • Gas safe registered engineers
  • Fast breakdown response
  • Boilers upto 10 years
  • £50 Excess

What's included?

  • Included
  • Why Smartcover
  • Not Included
  • Boiler Breakdown
  • Gas boiler & controls
  • Gas supply pipe (connects your gas appliances to your meter)

Smart Cover’s goal is to provide our customers with peace of mind through an efficient insurance process and attentive customer service.

We have relationships with engineers throughout the UK so we are never too far away to lend you a hand when you need it most. Winner’s of the 2019 Broker innovation awards, we are committed to providing quality boiler breakdown cover and achieving high levels of customer satisfaction.

  • General maintenance and servicing
  • Pre-existing damages/faults
  • Damage due to events which are not unforeseen
  • Non-gas appliances
  • Removal of sludge or hard water scale deposits

FAQs & Terms

The only difference is the cover level and the excess amount.

Simply call our help-line an 03333449559 and a member of staff will take you through the claims process.

We will assist you in repairing or rectifying the breakdown of your domestic boiler.

If you smell a natural gas odor, hear the hissing sound of gas escaping or see the other signs of a leak, Immediately call the free National Gas Emergency helpline on: 0800 111 999.