BOILER INSURANCE
Your boiler is pretty important to your home, especially over the colder months – it brings you warmth and comfort, so when things go wrong it can cause a bit of a problem. Boiler insurance will fund the cost of repairs and labour.
Is home emergency cover worth it?
Boiler breakdowns and central heating malfunctions can happen at the most inconvenient of times, and there’s nothing worse than being left in the cold. With emergency cover, you have the peace of mind that you will be protected around the clock – meaning should the worst happen, a trained engineer will be there to see to the problem at the earliest possible time.
Electric and gas boiler cover
Unlike gas boilers, electric boilers don’t have as many mechanical parts running them, so they generally take less maintenance – though of course they must be regularly maintained.
What is covered?
- Emergency repairs to boiler and central heating system
- Up to £500 per claim
- Access to 24/7 helpline
- Overnight accommodation should your property become uninhabitable, with cover up to £250 depending on your policy.
What’s not covered?
The costs (or any contribution towards the costs) of replacing a boiler if:
- It cannot be repaired; or
- The appliance is beyond economic repair (i.e. the cost of repairing the appliance is more than the cost of replacing it); or
- Repairs will cost more than £500.
Do I need to service my boiler regularly?
It is a condition of our policy that you carry out any inspections or services in accordance with the manufacturer’s instructions (e.g. arrange an annual service). Doing so will also reduce the likelihood of an emergency situation occurring.
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buildings & Contents Insurance Cover Levels
Our home insurance is designed to protect your home against insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave.
Buildings cover
Protects the main structure of your home, including attached garages and conservatories, and permanent outdoor features such as patios, driveways and boundary walls.
up to £1 million
(more cover available if you need it)
Contents cover
Protects your household contents — including furniture, clothing, appliances, gadgets and valuables — against events like fire, flood and theft. Cover is provided on a new for old basis.
from £25,000
Alternative accommodation
We’ll help cover the cost of temporary accommodation for you and your pets if your home becomes uninhabitable due to an insured event. If you stay with friends or family instead, we’ll cover your extra living costs.
up to £75,000 (Buildings)
up to £10,000 (Contents)
Home emergency
Covers sudden, unexpected emergencies — like an uncontrollable leak — that require immediate action to prevent damage or make your home secure. Two levels of cover are available, for different types of insured loss.
up to £500
Family legal protection
Covers legal costs for certain insured events. There must be a reasonable chance of success, and the incident must happen during your policy term. Two levels of cover are available, for different types of insured loss.
up to £25,000
Trace and access
We’ll pay to detect the source of a water or oil leak, and cover the cost of reinstating floors, walls or paths that were disturbed in the process.
up to £10,000
Outbuildings cover
Covers detached garages, greenhouses, sheds, summerhouses and other outbuildings within your boundary or any communal area you’re legally responsible for.
from £20,000
Liability cover
Covers your legal liability for accidental death, injury or illness to someone else, or damage to their property.
up to £5 million
Personal possessions
Covers items you wear, carry or use outside the home (e.g. clothing, bags and sports equipment).
Optional
Gadgets, bikes and valuables away from the home
Optional cover for mobile phones, laptops, tablets, watches, jewellery, hearing aids and other high-risk items you take out of your home.
Optional
Accidental damage
Optional cover for unexpected mishaps around the home — such as breakages, spillages or damage caused by you, your guests or wild animals. Two levels of cover are available.
Optional
What’s covered by BUILDINGS & contents insurance?
Our home insurance covers insured events like:
- Fire and smoke
- Flood and storm
- Theft and attempted theft
- Escape of water or oil
- Malicious damage
- Subsidence, landslip, and heave
- Falling trees or branches
- Vehicle collisions or damage caused by emergency services
This includes the structure of your main home, outbuildings (such as summer houses and sheds), and permanent outdoor features like patios, driveways, paths and boundary walls. Your contents are also protected, including furniture, electronics, clothing and kitchenware — even those stored in garages, sheds or other outbuildings.
What we offer
Emergency help when you need it most
If you have a home emergency — such as a power outage, uncontrollable leak or a broken lock — our 24/7 Home Emergency cover is included as standard.
- We aim to get an engineer to you within four hours
- For serious water leaks, we’ll try to have a plumber with you in two hours
Response times may vary during extreme weather. Policy terms and claim limits apply.
5 star rated cover
Our insurance has received the highest rating from independent financial researchers, Moneyfacts.
Repair guarantee
We guarantee any buildings work we arrange after a claim for two years. Contents repairs are guaranteed for one year.
New for old
Where we replace a damaged or stolen item, we’ll do our best to match the original — on a ‘new for old’ basis. If that’s not possible, we’ll offer a suitable alternative or a full cash settlement.
Legal support when you need it
Family Legal Protection is included as standard. You’ll have access to expert telephone legal advice on personal matters under the laws of the UK and most of Europe.
What isn’t covered?
There are some things we can’t cover, including:
Gradual damage, wear and tear, or issues you knew about but didn’t fix
Faulty design, construction, or workmanship.
Damage caused by poor maintenance or neglect
Items you don’t own or aren’t legally responsible for
Items stolen from unoccupied vehicles
Damage caused by pets.
Mechanical or electrical breakdown
Keeping your home and belongings in good condition is essential. If damage happens because of neglect or poor maintenance, your claim may be declined, and your policy could be cancelled.
Your Questions Answered
Yes, if you’ve upgraded to Full Home Emergency. This includes repairs to the main hot-water or central-heating system and connecting pipes. Basic cover does not include boiler repairs.
There is no limit on how many callouts you can make but there is a limit of £500 for each emergency claim (call-out charges, parts, materials, labour and VAT)
An insured event must be sudden, unexpected and require immediate action to prevent damage, secure the home, or relieve discomfort or health risk.
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