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Boiler Service
Cover Type
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Call UsSome of the Gas Boilers we cover are
Benefits of Home & Boiler Cover?
Boiler Insurance
A boiler is an important part of any home. An unexpected boiler breakdown can result in very costly repairs.
Central Heating
Our cover includes breakdown of central heating system and its associated pipework.
Lost Keys
Lost your House keys? Our insurance policy gives assistance in gaining access to your property and protecting your home.
Electrical
Our insurance policies cover total emergency breakdown of your electricity supply.
Drains and Waste Pipes
Our plumbing & drainage insurance covers a wide range of problems including broken pipes, water supply and blocked drains.
Pest Infestation
Our policy offers cover for animal infestations caused by black or brown rats, field or house mice, wasps’ and hornets’ nests.
Home Emergency Cover assists you when you encounter unexpected problems that leave you without having hot water or heating, Plumbing issues like leakages and also cover when there is an emergency breakdown of your boiler or a leaking gas supply pipe. The boiler in your home is needed at all times, providing both warmth and hot water. That’s why Emergency boiler cover & insurance is so important. If your boiler were to stop working, what cover do you have and would you know what to do or who to contact? How much of your day or even week will be taken up dealing with it?
With our Home Emergency breakdown cover, a breakdown doesn’t have to mean the end of your day or a ruined week. We’ll send one of our Nationwide engineers to your home as soon as possible and your household will be back up and running before you know it. As an insurance broker, we pride ourselves on the quality, speed and satisfaction of the services on offer to our customers.
In an event of a breakdown, at Smart Cover, we
- Provide Quick and effective service with minimal stress.
- Arrange Approved Gas-Safe registered engineer nationwide to conduct a check on your boiler
- Ensure Boiler is safe and effective running
- Cover leaks as a result of damage to the internal gas supply pipe of your home
- Cover the price of repairs on your gas boiler and controls as well as the gas supply pipe connected to your meter.
Our boiler cover & insurance does not include:
- General maintenance and service costs
- Pre-existing damage and faults
- Damage not caused by unforeseen circumstances
- Non-gas appliances
- Removal of sludge and hard water scale deposits
Why Choose Smart Cover ?
Smart Cover Insurance Services is a trading name of Smart Cover Direct, the brainchild of a group of experts whose collective experience totals over 20 years in the insurance sector. Our vision of offering innovative insurance services has driven our business.
We aim to provide our customers with reliable cover for a wide-range of household products. Our competitive premium rates, limited excesses and streamlined claims settlement ensure customers a complete peace of mind.
Rapid Claims Process
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Nationwide Engineers
Frequently asked questions
What is central heating?
Central heating is a system that heats your home from one main heat source, usually a boiler.
In many UK homes, the boiler heats water and sends it through pipes to radiators around the property. The system may also include controls, thermostats, valves, pumps and pipework.
A central heating system is different from using separate heaters in each room because it is designed to warm several areas of the home from one connected system.
How is central heating cover provided?
Central heating cover is provided through a selected home emergency cover plan that includes heating-related protection.
Depending on the plan, cover may include emergency boiler breakdown, internal gas supply pipe and the domestic central heating system. Some wider plans may also include plumbing, electricals, drainage and an optional annual boiler service.
If you need to claim, the provider will assess the issue against your policy terms. Any approved repair support will depend on your chosen plan, claim limits, excess and exclusions.
Do I need central heating cover?
Central heating cover may be worth considering if you want support with certain emergency heating repairs in your home.
A central heating system can be costly to repair if something breaks down unexpectedly. Cover can help with eligible issues linked to your heating system, boiler breakdown or internal gas supply pipe, depending on the plan you choose.
It is not a replacement for routine maintenance or servicing. Before buying, check what is included, what is excluded, any excess, and the claim limits that apply. Cover is subject to policy terms, conditions, limits and exclusions.
What is the average cost of a new central heating system?
The cost of a new central heating system can vary widely, so there is no single average price that applies to every home.
The final cost usually depends on factors such as:
- The size of your property
- The type of boiler you choose
- Whether new radiators are needed
- The amount of pipework required
- Heating controls and thermostats
- The complexity of the installation
If you are replacing or upgrading your system, it is sensible to get quotes from qualified heating engineers. Central heating cover is different from a new installation policy and is usually designed to help with eligible emergency repairs, subject to policy terms.
Is 22 degrees ok for central heating?
Setting central heating to 22°C may feel comfortable for some homes, but it can use more energy than lower settings.
Many UK households set their thermostat between 18°C and 21°C, depending on comfort, health needs, insulation and the weather. Older people, young children or anyone with certain health conditions may need a warmer home.
You should choose a safe and comfortable temperature for your household. If your heating struggles to reach the set temperature, it may be worth checking whether your boiler, radiators or controls need attention.
What is the difference between central heating and normal heating?
Central heating heats several rooms from one main system, while “normal heating” can refer to any method used to warm a space.
For example, central heating often uses a boiler, pipework and radiators to heat the whole home. Other forms of heating may include electric heaters, storage heaters, gas fires or room-by-room heating units.
Central heating cover usually focuses on eligible faults with the connected heating system, depending on the policy. It does not normally mean every type of heater in the home is covered.
Will home emergency cover include my boiler?
Home emergency cover may include your boiler if the plan you choose includes emergency boiler breakdown.
In case of Smart Cover central heating, some plans may include emergency boiler breakdown, internal gas supply pipe and optional annual boiler service. Wider plans may also include the domestic central heating system and other home emergency areas.
Boiler-related claims are subject to policy terms, conditions, limits and exclusions. For example, exclusions may apply for general maintenance, certain non-emergency issues, limescale or sludge-related problems, and boilers that have not been serviced as required.
What is the 30-minute heating rule?
The 30-minute heating rule is a general energy-saving idea, not a formal insurance rule.
It usually refers to setting your heating to come on around 30 minutes before you need the house warm, then turning it off before you leave or go to bed. The aim is to use heating only when it is needed, rather than leaving it running for long periods.
How well this works depends on your home’s insulation, boiler, radiators, thermostat settings and daily routine. It does not affect whether a heating issue is covered under central heating cover, which depends on your policy terms, conditions, limits and exclusions.
