British Gas Boiler Cover: Your Complete 2021 Guide

Boiler next to British Gas logo

Confused about British Gas boiler cover? Not sure if the energy supplier is the best option to provide your boiler cover? Read on to find all the details you need to determine if British Gas boiler cover is right for your home.


In this British Gas boiler cover guide, we break down what exactly the coverage entails and how much it costs. We also explain how to get a new boiler and what to expect with a British Gas boiler installation.

Boiler cover is often not included in home insurance or tenants' insurance. Therefore, if you don't contract a separate boiler cover policy and your boiler needs repair, you may face devastatingly high costs and weeks of waiting in the cold while you arrange and contract repairs.

British Gas boiler cover: What is it?

British Gas boiler cover is actually one part of British Gas HomeCare. Boiler cover is included in all four tiers of the company’s homecare offerings. The supplier also offers progressively more services in its pricier HomeCare options.

What exactly is covered depends on which of the company’s four tiers of HomeCare you purchase, simply named 1, 2, 3 and 4. As the numbers increase, so do the number of services included in the package, as does the corresponding price.

HomeCare tier Coverage
HomeCare 1 Annual boiler service
Boiler and controls breakdown cover
HomeCare 2 Annual boiler service
Boiler and controls breakdown cover
Central heating breakdown cover
HomeCare 3 Annual boiler service
Boiler and controls breakdown cover
Central heating breakdown cover
Plumbing and drains cover
HomeCare 4 Annual boiler service
Boiler and controls breakdown cover
Central heating breakdown cover
Plumbing and drains cover
Electrical cover

As you can see in the table above, British Gas’ most high-end option, HomeCare Four, provides much more coverage than its most basic option, HomeCare One. Four can be seen as a comprehensive cover for your home, including central heating breakdown cover, plumbing and drains cover and electrical. Meanwhile, Homecare One only provides coverage for your boiler.

Keep your boiler in tip top conditionAvoid costly callouts by following these boiler maintenance tips.

What does British Gas boiler cover include?

All four British Gas options include both an annual boiler service and the boiler and controls breakdown cover. But what does that mean exactly?

Annual boiler service refers to an annual boiler check. A Gas Safe registered engineer will check your heater for leaks, disturbed connections and any other possible issues with your boiler. This check can help you avoid more grave (not to mention expensive) problems in the future.

Boiler and controls breakdown cover is exactly what it sounds like. If your boiler or controls break down, British Gas will provide the repair services and parts to get your boiler back into ship-shape condition. With any of British Gas’ HomeCare options, you’ll receive this service.

You can find even more specific information on what is and isn’t covered by British Gas’ boiler cover policy in the table below. This information refers to the annual boiler service and the boiler and controls breakdown cover, which is available across all HomeCare options. Options 2, 3 and 4 have additional coverage, but here, we’re only focusing on the most basic British Gas boiler cover.

Covered Not covered
 Repairs to natural gas/liquid petroleum gas boiler or warm-air unit (designed for home use and up to 70kW capacity)  Repairs for limescale, sludge or debris damage if you were advised to carry out repairs or a power-flush and did not do so
 Repairs to flues, up to one metre in length  repairs to showers and shower pumps
 Repairs to boiler controls  repairs to underfloor heating controls
 Repairs to gas supply pipe  Repairing or replacing a flue that is greater than one metre, unless it was installed by British Gas
 Replacement boiler if unable to repair and it’s less than 7 years old or less than 10 years old and installed and serviced by British Gas  Repairing any smart equipment such as a smart thermostat
 Replacement of gas supply pipe, flue (up to one metre) and boiler controls if unable to repair  Repairing boiler and controls that supply a swimming pool
 First or annual service  Replacing a system inhibitor unless it was removed by British Gas
 Accidental damage  Resetting controls or replacing batteries
 Up to £500 in costs of alternate lodging/travel if your home is unfit to live in because of boiler problems  Repairing or replacing a central heating system or air/ground source heat pumps (remember, this is HomeCare 1)

It’s important to realise that Boiler and controls breakdown only covers repairs for your boiler and not for your central heating system! If you do have central heating, you should look into the HomeCare 2, 3 or 4 options.

Beyond that, focusing solely on boiler cover, all standard services are included in all four of the HomeCare options. If you’re looking for a more comprehensive plan that covers more elements of your home, you should look into HomeCare 3 or 4, or contracting with a different boiler cover provider altogether.

Can I get a British Gas boiler service without HomeCare?

You can get an annual British Gas boiler service outside of a HomeCare contract. Be aware that this only covers the annual check on your boiler and the controls and accessories. It does not include any repairs you may need.

This service starts at £96.50 per year. Given that it doesn’t include any repairs you may need, we think that’s a high price for an annual service. That’s why we at Selectra don’t recommend contracting Annual Boiler Service outside of a HomeCare plan.

British Gas boiler cover prices

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Boiler & Home Emergency Cover

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Cost per month

£ 9.99

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For all four of British Gas’ boiler options, customers can choose between paying a monthly bill or a one-time yearly cost. Paying for your HomeCare upfront will save you a (tiny) bit of money: £12 per year, or £1 per month, regardless of which option you’re interested in.

Additionally, be aware that boiler prices vary quite a bit depending on which option you choose. For example, between the cheapest and most expensive options, HomeCare 1 and HomeCare 4, there is a full £204 difference in cost per year.

You can see both monthly costs of each of British Gas’ boiler cover options in the table belowwith both a £60 excess and no-excess rates.

HomeCare tier Cost
HomeCare 1 Monthly price £60 excess - £14
Monthly price no excess - £20.50
HomeCare 2 Monthly price £60 excess - £15.58
Monthly price no excess - £22
HomeCare 3 Monthly price £60 excess - £18.79
Monthly price no excess - £30.25
HomeCare 4 Monthly price £60 excess - £21.08
Monthly price no excess - £34.83

We’ve already mentioned that customers who opt for the excess pay cheaper monthly prices, and as you can see in the table above, there is a notable difference. When looking at the most expensive option, HomeCare 4, customers who opt for a £60 excess will save as much as £178 compared to the no excess prices. That means that they’d need to make three separate claims above £60 in one year (3 x £60 = £180) for the no excess prices to be worth it.

Meanwhile, looking at HomeCare 1, the numbers tell a slightly different story. The difference in price between the no-excess option and the £60 excess option is £78. That means that filing only one claim, which would charge customers another £60, would eliminate the majority of savings (£78 - £60 is only £18 in savings).

If you file two claims (costing £120 in excess), you would actually pay £60 more than if you had gone with the no-excess option. That means there’s a very good chance that with HomeCare 1, you’re better off choosing the slightly more expensive no-excess plan.

Whether or not you should choose to pay an excess or not depends on which of the HomeCare options you’re interested in. With the more expensive options of 3 or 4, opting for £60 excess is a no brainer, but with HomeCare 1 or 2, you may be better off with no excess payments.

Excess payments

Another factor to keep in mind regarding what is and isn’t covered are “excess” payments. If you’re not aware, the excess is a minimum spend that customers must pay from their own pocket when they file a claim.

That means if you have an excess payment of £60, and you receive a bill of £45 (e.g. maintenance fee), this bill will not be covered by your boiler care. Conversely, if you have a bill of £150, you would pay £60 yourself and the remaining £90 would be covered by your insurer.

All four of British Gas’ HomeCare policies offer the option of having an excess of £60 or £0 (no excess payment, which means that you won’t have any costs to incur yourself before you can claim the remainder). Why would anyone opt into a policy that includes an excess payment? Choosing the £60 excess lowers your monthly bills, which may save you money in the long run. We’ll discuss all this in more detail further on in the price section.

British Gas boiler cover prices compared to the market

How do British Gas boiler prices compare to those of their competitors? While not as overpriced as British Gas’ energy tariffs, the company’s boiler cover does land on the higher side of the market. For example, customers with cheaper boiler cover suppliers could save up to £154 per year while still receiving comparable coverage.

To find the best boiler cover and heating deals, head to our 2020 Boiler Cover guide or give us a call on 020 3936 0059 for a free comparison of the offers available in your area.

British Gas boiler cover reviews: Is it any good?

boiler

One crucial factor in evaluating any utility provider is what their customers have to say about the company. However, because British Gas is primarily an energy supplier, it is difficult to separate customers’ boiler cover reviews from reviews pertaining to its energy services.

Overall, British Gas reviews lean towards the negative. Some of their customers have great things to say about their 24/7 customer service phone line. However most aren’t thrilled with long waiting times, less-than-stellar treatment given by the supplier’s customer service professionals and the confusing array of complaint and contact pages where you can also find the British Gas boiler cover phone number.

British Gas landlord boiler cover

British Gas landlord boiler cover is available through British Gas HomeCare. As with plans for standard customers, HomeCare plans for landlords come in four different tiers. Each level includes British Gas landlord boiler cover, as well as a gas safety certificate.

The most basic plan, which just includes the annual boiler service, the boiler and controls, and the gas safety certificate, will set you back £16 pounds per month (or £192 per year) if you choose the £60 excess.

To compare British Gas landlord boiler cover against plans with other suppliers, head to our guide on boiler cover for landlords.

British Gas boiler quote: How much is a new boiler?

To get a quote for a new British Gas boiler, you will need to speak with a heating adviser. A typical British Gas boiler quote runs between £3,000 to £5,000. With such a variation in price, it's critical that you get a fixed-quote upfront to avoid any surprises.

HomeCare customers are eligible for an extra £200 off a new British Gas boiler. British Gas occasionally offers discounts (for up to £150) for when you sign up by a certain date. Interest-free payments plans for new boilers, and all British Gas boilers come with a five-year warranty.

Can I get a free boiler from British Gas?

British Gas customers may be eligible for a free or reduced-price boiler through the Energy Company Obligation (ECO) scheme. This is a government-run scheme intended to improve energy efficiency and reduce fuel poverty.

With this scheme, qualified home owners can get their old boilers replaced with a new energy-efficient boiler for free (or at a reduced rate). Tenants and landlords can no longer apply for a boiler grant.

To receive a grant for a new British Gas boiler, the property must be connected to mains gas. The scheme will remain open until March 2022. If you're not a British Gas customer, other suppliers that serve more than 150,000 customers are also a part of the scheme.

British Gas boiler installation

Once you've agreed on a quote, you can schedule a date for the British Gas boiler installation to take place. Before the new boiler is installed, a gas safe engineer will need to check a couple of things:

  • The placement of the current boiler.
  • The water pressure.
  • The number of bathrooms.
  • The number of radiators.

British Gas has been installing boilers for more than 50 years. The supplier has fit more than any other supplier in the UK.

How long does it take British Gas to fit a new boiler?

If you swapping your boiler for the same type, the British Gas engineer should be able to complete the boiler installation within one day. If you're changing your boiler type, or if the boiler you currently have is quite old, the British Gas boiler installation may take up to two or three days. You'll also need to be around for an explanation of the new boiler controls once it is installed.

Which boilers does British Gas install?

British Gas installs three different types of boilers: combi boilers (or combination boilers), system boilers and conventional boilers. Selecting the type of British Gas boiler for your home will depend on a variety of factors, such as the size of the property and if you have a gas supply.

The boilers that British Gas installs are manufactured by the following companies:

  • Worcester
  • Bosch
  • Vaillant
  • Glow worm
  • Veissman

Our verdict

 24/7 customer service line  Somewhat high prices
 Numerous coverage options  Low customer reviews

British Gas boiler cover has some strong advantages, and it certainly deserves higher marks than British Gas energy offerings. It sports a 24/7 customer service line, various options that allow customers to purchase just the amount of coverage they need for their home, and a fairly comprehensive boiler option across all HomeCare levels.

That being said, there are some mitigating factors that leave us less than thrilled. The company’s prices for its packages are quite high. Also remember that reviews from customers who purchased a HomeCare package are a mixed bag, but lean towards the negative.

With all this in mind, British Gas boiler cover has earned 3/5 stars from us at Selectra. It’s not the worst on the market, but it’s certainly not the best.

British Gas boiler cover Selectra Score - ★★★

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