Boiler Cover & Boiler Insurance
Boiler cover from £7.90 a month
Your boiler keeps the house warm and the water hot. When it stops, our boiler breakdown insurance sends a nationwide Gas Safe engineer fast, so a breakdown doesn't ruin your day.
Boiler breakdown cover is insurance that helps with unexpected faults that leave you without heating or hot water - including faulty boiler controls and parts and a leaking internal gas supply pipe. If your boiler breaks down, Smart Cover sends a Gas Safe registered engineer to repair it, subject to your policy terms and limits.
- Plans from £7.90/month (all taxes included)
- Unlimited annual claim limit on every plan
- Nationwide Gas Safe registered engineers
- Optional annual boiler service add-on
- 24/7 Emergency Helpline: 03333 449 247
- Price Match Promise within 14 days
Four levels of boiler & home cover
Every plan includes emergency boiler breakdown and an unlimited annual claim limit. Step up for central heating, plumbing, electrics and more.
Smart Boiler Essential
- Boiler Breakdown
- Boiler Service
- Central Heating
- Plumbing
- Drainage
- Electricals
- Pest Infestation
- Security & Lock Keys
Smart Heating Essential
- Boiler Breakdown
- Boiler Service
- Central Heating
- Plumbing
- Drainage
- Electricals
- Pest Infestation
- Security & Lock Keys
Smart Home Essential
- Boiler Breakdown
- Boiler Service
- Central Heating
- Plumbing
- Drainage
- Electricals
- Pest Infestation
- Security & Lock Keys
Smart Home Plus Essential
- Boiler Breakdown
- Boiler Service
- Central Heating
- Plumbing
- Drainage
- Electricals
- Pest Infestation
- Security & Lock Keys
Call UsWhat boiler cover includes
- Emergency repairs when your boiler breaks down
- Parts and labour on covered faults
- Faulty boiler controls and internal components
- The internal gas supply pipe connected to your meter
- Optional annual boiler service by a Gas Safe engineer
- Central heating & more on higher plans
What's not included
- Any event that is not an emergency
- General maintenance and servicing costs
- Removal of limescale, sludge or debris (or damage caused by it)
- Pre-existing faults and wear not caused by an unforeseen breakdown
- A boiler not serviced within the last 12 months
- Leaks that don't cause damage to the property
This is a summary. Cover, benefits and per-claim limits vary by plan and are subject to the terms, conditions, exclusions and limits in your policy documents and Insurance Product Information Document (IPID).
Before you buy boiler cover
A few important conditions apply to every Smart Cover boiler insurance plan, in addition to the cover details above.
- A 14-day waiting period applies from the policy start date for homeowner policies (28 days for landlord policies) before a claim can be made
- Your boiler must have been serviced within the previous 12 months for a boiler breakdown claim to be valid
- Smart-Cover Direct Limited (FRN 600428) is an Appointed Representative of City and Commercial Limited (FRN 314346), which is FCA-authorised and is covered by the FSCS for its regulated intermediary activities
Common boiler faults we help with
These are the breakdowns UK homeowners search for most. If your boiler is doing any of these, an engineer can diagnose the covered fault.
No heating or hot water
The most common call-out. Often a faulty pump, valve, thermostat or PCB stopping the boiler from firing.
Boiler leaking water
A leak can point to a failed seal, valve or internal component. Left alone it can damage parts and worsen fast.
Fault or error code
The display shows a code and the boiler locks out. A Gas Safe engineer can read it and repair the covered cause.
Low boiler pressure
Repeated pressure loss can signal a leak or failing part in the system that needs an engineer to trace.
Banging or gurgling noises
Kettling and knocking sounds often mean a pump, fan or heat-exchanger issue worth checking early.
Pilot light won't stay on
A pilot or ignition fault can leave you with no heat. An engineer identifies the covered part and repairs it.
What to do if your boiler stops working
Before you call out an engineer, these five safe checks solve many boiler problems in minutes - and help the engineer if one's still needed.
Check thermostat & timer
Set to heat, and make sure the programmer is calling for heating.
Check the pressure
If the gauge is well below 1 bar, low pressure can stop it firing.
Read any fault code
Note the error code on the display - it speeds up diagnosis.
Try one reset
Press reset once. Don't keep resetting if it locks out again.
Smell gas? Act first, claim later
If you smell gas, hear hissing or suspect a leak, call the free National Gas Emergency helpline on 0800 111 999 immediately. Don't switch anything electrical on or off. Once the leak is isolated, contact Smart Cover on 03333 449 559 to arrange any covered repairs.
Boiler cover vs warranty vs home insurance
These three often get confused. Here's what each one actually does, so you can see where boiler breakdown cover fits.
Boiler breakdown cover
Ongoing repair protection
- Repairs after a sudden breakdown
- Parts, labour and call-outs
- Unlimited annual claims
- Optional annual service
- Works on older boilers (if serviced)
- Manufacturing defects on a new boiler
Manufacturer's warranty
Fixed-term, new boilers only
- Manufacturing defects on a new boiler
- Free during the warranty term
- Ends after the fixed term (e.g. 2-10 yrs)
- Often voided without an annual service
- Wear-and-tear breakdowns
- Central heating, plumbing or electrics
Home insurance
Damage, not the fault itself
- Damage to your home from an escape of water
- Repairing the boiler fault itself
- Boiler breakdown call-outs
- Central heating repairs
- Annual boiler service
- Loss of heating or hot water
A general comparison to help you decide - always check the specific terms, conditions, limits and exclusions of any policy or warranty before relying on it.
Add an optional boiler service
Combining boiler cover with a regular boiler service is the smart way to protect your boiler. A Gas Safe registered engineer checks it's running safely and efficiently, helps prevent breakdowns before they start, and keeps you eligible to claim - a boiler must have been serviced within the last 12 months for a boiler breakdown claim to be valid.
- Full safety and efficiency check
- Carried out by a Gas Safe registered engineer
- Helps prolong your boiler's lifetime
- Keeps your boiler cover valid for claims
Upgrade to Smart Heating
If you'd rather protect your whole central heating system and not just the boiler, Smart Heating adds cover for the domestic central heating system on top of everything in Smart Boiler - for a small increase in monthly price.
- Everything in Smart Boiler, plus central heating
- Same unlimited annual claim limit
- Optional annual boiler service still available
Cover for the boilers UK homes rely on
Our nationwide Gas Safe registered engineers work across the leading domestic gas boiler brands.
How a boiler breakdown claim works
No forms to fight through. One call and we get an engineer on the way.
Call us
Ring the claims line on 03333 449 559 to report your boiler breakdown. For an active emergency, our 24/7 Emergency Helpline is 03333 449 247.
Share the details
Give your policy number and describe the fault so we can log your claim.
Engineer arranged
A nationwide Gas Safe registered engineer is booked to attend as soon as possible.
Back up & running
The engineer diagnoses and repairs the covered fault, restoring your heat and hot water.
Award-winning cover, built around you
An FCA-authorised home emergency and appliance insurance intermediary, protecting UK homes since 2013 and winner of the 2019 Broker Innovation Award.
Rapid response
Nationwide engineers and a 24/7 Emergency Helpline so help is never far away when your boiler breaks down.
Unlimited annual claims
Every boiler plan comes with an unlimited annual claim limit, so you're covered again and again.
Gas Safe engineers
Repairs and services are carried out by Gas Safe registered engineers for safe, reliable work.
Optional servicing
Add an annual boiler service to keep your boiler safe, efficient and covered year after year.
Price Match Promise
Find the same cover level cheaper within 14 days and we'll aim to match it, subject to our Price Match Terms.
Rated Excellent
Rated 'Excellent' on Trustpilot, with further reviews on Smart Money People.
Price Match Promise
Found the same cover level at a lower price elsewhere? Tell us the provider, cover level and price within 14 days of your purchase. Once verified, we'll aim to match it, subject to our Price Match Terms - just email enquiries@smart-cover.co.uk .
Not sure which plan fits?
Leave your details and one of our insurance experts will call to explain the benefits and exclusions, so you can choose the boiler cover that's right for your home.
- Nationwide Gas Safe registered engineers
- Plans from £7.90, unlimited annual claims
- No obligation, no pressure to buy
Frequently asked questions
What is boiler breakdown cover?
Boiler breakdown cover is a type of insurance that helps with unexpected problems that leave you without hot water or heating - including faulty boiler controls and parts and a leaking internal gas supply pipe. If your boiler breaks down, we arrange a Gas Safe registered engineer to repair or rectify the fault, subject to your policy terms, conditions and limits.
How much does boiler cover cost with Smart Cover?
Smart Cover boiler cover starts from £7.90 per month for Smart Boiler. Smart Heating is £8.90, Smart Home is £10.90 and Smart Home Plus is £12.90 per month. All plans include an unlimited annual claim limit, and prices include all relevant taxes. Excess options of £0, £49, £69 or £99 are available.
Is boiler cover worth it?
Boiler cover can be worth it if you'd rather spread the cost of unexpected repairs into affordable monthly payments than face a large one-off bill - a single repair can be costly. Cover also gives you a nationwide network of Gas Safe engineers and a 24/7 Emergency Helpline. Whether it suits you depends on your boiler's age and condition and your circumstances, subject to policy terms and exclusions.
What's the difference between a boiler service and boiler cover?
A boiler service is a planned annual check where a Gas Safe engineer inspects and tests your boiler to keep it safe and efficient. Boiler cover is insurance that helps pay for repairs if your boiler breaks down unexpectedly. They work best together: a service helps prevent faults and keeps you eligible to claim, while cover protects you if a breakdown still happens. Smart Cover plans include an optional annual service.
What should I do if my boiler stops working?
Check the thermostat is set to heat and the timer is calling for heating, check the pressure gauge isn't too low, look for a fault code on the display, and try a single reset if your boiler has a reset button. If it still won't fire, call the claims line on03333 449 559to arrange a Gas Safe engineer. Never attempt gas repairs yourself.
What does boiler cover include?
Our boiler cover includes repairs for sudden breakdowns, parts and labour, faulty controls, the internal gas supply pipe, and an optional annual boiler service. Higher plans add central heating, plumbing, electrics, drainage and more. Full details, including terms, conditions and limits, are in your policy documents and IPID.
How do I make a boiler cover claim?
Simply call our helpline on03333 449 559and a member of the team will take you through the claims process and arrange for a nationwide Gas Safe registered engineer to attend as soon as possible.
What's the difference between Smart Boiler, Smart Heating, Smart Home and Smart Home Plus?
Smart Boiler covers boiler breakdown and optional servicing only. Smart Heating adds the domestic central heating system. Smart Home adds internal plumbing, electricals, drainage and the external water supply pipe. Smart Home Plusis the most complete plan, adding security & lock keys and pest infestation. All plans include an unlimited annual claim limit; per-claim limits vary by plan.
Who should I contact if I smell gas?
If you smell a gas odour, hear hissing or see other signs of a leak, call the free National Gas Emergency helpline on0800 111 999immediately. Don't operate electrical switches, ventilate the property and leave if needed. Contact us afterwards to arrange any covered repairs.
Do I need to service my boiler to stay covered?
Yes - your central heating boiler should have been serviced within the last 12 months for a breakdown to be covered. Every plan includes an optional annual boiler service by a Gas Safe registered engineer, which helps keep your boiler running safely and efficiently.
How soon does my boiler cover start?
A 14-day waiting period applies from your policy start date for homeowner policies (28 days for landlord policies) before a claim can be made. During this period, emergency assistance is still available on a pay-on-use basis via the helpline.
Where does Smart Cover boiler cover operate?
Smart Cover boiler cover operates across mainland England, Wales and Scotland, using a nationwide network of Gas Safe registered engineers. It does not currently cover Northern Ireland, the Channel Islands or the Isle of Man.
What is the average cost of boiler cover in the UK?
The cost of boiler cover in the UK varies depending on the provider and the level of protection. Many providers offer a range of plans with monthly premiums to suit different needs. The exact price will depend on the plan you choose, subject to policy terms, conditions and limits.
How can you protect boiler pipes from freezing?
You can reduce the risk of frozen pipes by using insulation such as pipe lagging. Smart Cover plans provide assistance if a covered emergency occurs, subject to policy terms, conditions and limits.
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