Is British Gas Homecare Worth it? Our 2019 Review

man holding spanner with british gas logo


British Gas HomeCare provides cover for gas boilers and heating systems. Any household with a gas central heating system has to deal with services, repairs and maintenance at some point but how does the British Gas cover measure up?

What is British Gas HomeCare?

Aside from supplying energy and providing smart household products, British Gas also provides insurance cover for your boiler, heating system and many other household appliances. HomeCare cover offers four levels of service and support for your home, imaginatively named HomeCare One, Two, Three and Four.


An important thing to note about British Gas HomeCare pricing is that what you pay depends on where you live and whether you choose to include an excess in your cover. There is the option to pay no excess at all, or to include either £60 or £99 excess. The prices quoted here are a guide and represent the price paid by at least half of new British Gas HomeCare customers, choosing zero excess.

HomeCare One HomeCare Two HomeCare Three HomeCare Four
Annual cost of paying 12 monthly payments £234 £276 £378 £432
One annual payment £222 £264 £366 £420

Bear in mind that with HomeCare you are taking out a policy for 12 months and when it comes to renewal time British Gas has a habit of hiking up prices drastically. Consider switching to another boiler cover provider to get a better deal - give us a call for a price comparison.

What is covered?

All four levels of HomeCare plans include an annual boiler service and a customer helpline that’s open 24 hours a day, seven days a week. Additionally, if your boiler breaks down you will be covered for repairs to get it up and running again. There is no limit to the number of times you can call out an engineer and you’re also covered for accidental damage. So that’s what you get with HomeCare One; what do the other three levels of HomeCare cover give you?

Boilers and heaters

boiler mounted on the wall

The basic HomeCare One policy covers boiler breakdowns and repairs, but interestingly, repairs to your central heating system are considered separate and they incur an extra charge. Here we take a closer look at the intricacies of what is and isn’t covered in the four different British Gas HomeCare policies.

Annual boiler service: included in all HomeCare policies. The gas pressure and flues are checked, the parts are cleaned if they need it and a few tests are done to check for leaks, including carbon monoxide. You can sign up for annual boiler services without taking out a HomeCare policy but be warned that you will be charged extra for any repairs that need to be carried out.

Boiler and controls breakdown cover: included in all HomeCare policies. Covers repairs to thermostats and the boiler programmer as well as the boiler itself. Instead of taking out a HomeCare policy, you can take out cover for boiler breakdowns only. This does not include an annual service for your boiler.

Central heating breakdown cover: included in HomeCare Two, Three and Four. Covers repairs to immersion heaters, radiators, hot water cylinders, thermostatic radiator valves and all central heating pipes. If you have no heating or hot water the issue will be identified and fixed. You can take out central heating breakdown cover only, without a HomeCare policy, but this does not include an annual boiler service.

Plumbing and drains

blue washing machine

Depending on which HomeCare policy you choose, you can be covered for all repairs to your household plumbing and drains, with unlimited callouts. Take a look at the details below:

Plumbing and drains cover: with HomeCare Three and Four you are covered for plumbing and drains repairs, which includes cold water tanks, overflows and rainwater drains. Alternatively, there is the option to pay for a repair to your plumbing and/or drains plus ongoing cover for a year after the initial repair.

Plumbing and drains repair: if you don’t want to splash out on a HomeCare policy that includes plumbing and drains cover you can go for a more pay-as-you-go approach. British Gas will send an engineer to repair your drains and/or plumbing but it will cost you at least £90 for a drains repair and upwards of £85 for plumbing.

Appliances and electrical

British Gas offers a range of breakdown and repair services for appliances (gas or electrical) as well as cover for household electrics.

With HomeCare Four you are covered for repairs to your mains electrical system and wiring, including replacement of parts that cannot be repaired. You’re also covered for accidental damage to your household mains electrics. Repairs to doorbells, light switches, extractor fans and smoke detectors that are connected to the mains wiring are all covered.

Alternatively, you can simply pay for home electrical cover, without taking out the HomeCare Four policy. At £58.20 for the year-long policy, this gives you the same cover for electrical repairs as you would have with the HomeCare Four service.

Away from the mains electrical wiring in your house, British Gas has a couple of different options for insuring your gas and electrical appliances against breakdown and accidental damage n. Pricing is determined by the number of appliances you want to include. For example:

  1. Three kitchen appliances: £6.75 per month
  2. One gas appliance: £9.98 per month
  3. Total: £16.73 per month = £200.76 per year

What gas appliances are covered?

With British Gas appliance cover for gas appliancesyou get an annual service, repairs, and replacement of anything that cannot be repaired. Here are all the various appliances that are covered:

  • Back boiler circulator
  • Circulator
  • Gas cooker
  • Gas fire
  • Gas grill
  • Gas hob
  • Gas oven
  • Multipoint water heater
  • Single point water heater
  • Wall heater
  • Water heater

What kitchen appliances are covered?

British Gas kitchen appliance cover is similar to gas appliance cover in that repairs, servicing and accidental damage are included. However, replacing items that cannot be repaired is not automatically part of the kitchen appliance covered. Instead, British Gas will contribute 30% towards the cost of replacing a broken appliance that’s three years old or more. For newer appliances, i.e. those that are up to three years old, you will receive a replacement if the repair cannot be fixed.

Here are the appliances included in British Gas kitchen appliance cover:

  • Gas cooker and electric freestanding
  • Gas cooker
  • Cooker
  • Dishwasher
  • Oven
  • Fridge freezer
  • Fridge
  • Freezer
  • Ceramic/halogen hob
  • Gas hob
  • Hob
  • Microwave
  • Microwave with oven
  • Gas oven
  • Spin dryer
  • Tumble dryer
  • Gas tumble dryer
  • Washing machine
  • Large washing machine
  • Twin tub washing machine

British Gas home insurance: buildings and contents

Is there no end to the talents of British Gas? Not only do they supply gas and electricity, provide annual boiler servicing and repair domestic appliances, British Gas also offers buildings and contents insurance.

As with most insurance providers, British Gas cover is available as contents insurance only, buildings insurance only, or combined buildings and contents insurance. The type of home insurance you need depends on your circumstances. For example, if you rent your home, you will only need contents insurance, but if you’re an owner-occupier you will most likely want to consider combined buildings and contents cover.

What isn’t covered?

It is important to establish exactly what is and isn’t included in your HomeCare plan before rushing into anything. Most insurers will explain their coverage in a terms and conditions style document. However, most customers don’t have the time or patience to read through these usually very long and dense pages. That’s where we come in!

After having read the small print of all the British Gas HomeCare plans, we should warn you that there is an obstacle in your path before you even sign up. Remember we said boiler servicing and repairs are covered in all the HomeCare policies? That is true but on one condition: a British Gas engineer has to visit your home first to check that your boiler is on the British Gas approved list and that it doesn’t have any pre-existing faults.

Something else we were surprised by was a well-hidden clause in the kitchen appliance cover. For the first 14 days of your plan, your appliance is not covered for any repairs or accidental damage or any other occurrence at all. That means that, essentially, your coverage doesn’t even start until two weeks after the start date on the policy.

One more thing - if you are lucky enough to have a swimming pool at your house, you’ll be disappointed to learn that you will need separate cover for any repairs to the plumbing associated with the pool.

Here’s what else we uncovered in our fine-tooth comb examination of British Gas HomeCare cover.

Not included in British Gas: boiler and controls cover

  • Existing scale and sludge build up
  • Damage caused by limescale
  • Repairs to central heating systems
  • Boiler design faults
  • Repairs to any shower parts
  • Repairing or replacing smart technology equipment connected to the boiler or heating system
  • Repairing or replacing flues

Not included in British Gas: central heating breakdown cover

  • Existing scale and sludge build up
  • Damage caused by limescale
  • Repairing or replacing taps
  • Repairs to any shower parts
  • Repairing or replacing electrical parts of radiators

Not included in British Gas HomeCare Three and Four: plumbing and drains cover

  • Repairs to any shower parts
  • Radiators
  • Water softeners or filters
  • Water meters
  • Any water pressure boosting equipment
  • Guttering and rainwater pipes
  • Shared drains
  • Cleaning drains
  • Plumbing in outbuildings that are not connected to the main household water supply

Not included in British Gas HomeCare Four: home electrics cover

  • Domestic electrical appliances, burglar alarms and camera systems
  • Electrics in outbuildings that are not connected to the main household electricity supply
  • Complete rewiring
  • Electric showers
  • Power cables between the main house and any outbuildings
  • Electricity supply cable up to the fuse box

Not included in British Gas kitchen appliance cover

  • Wine coolers, cooker hoods and extractor fans
  • Unpacking and installing new appliances or disconnecting and disposing of old ones
  • Appliances bought outside the UK
  • Second-hand appliances

British Gas HomeCare reviews

British Gas HomeCare is “officially” rated through Reevoo.com. It has almost 18,000 reviews from customers who have used the service, giving it an 8.6 rating out of 10 overall. The review is broken down into four parts: ease of booking; engineer satisfaction; value for money; and overall satisfaction. Customers give a rating on each subject, which you can see in the graph below.

Here’s a review that we think sums up the general consensus on British Gas HomeCare:

“Available 24/7, annual service included, was with them several years and had a few callouts but they were very efficient, parts replaced quickly at no extra cost. Only changed because of price - it got too expensive, although I had managed to negotiate the price on a lot of occasions.”

There you have it. British Gas HomeCare falls down on the key factor of price. If you want to get better value for money, pay less and get the same level of cover, we suggest you consider one of the smaller insurers, such as 24/7 Home Rescue.

Why should you choose cover?

Perhaps you tend to be a worrier and you prefer to have the peace of mind of knowing that you’re covered for any eventuality, although, as demonstrated in the What isn’t covered? section, there are so many exceptions you might start to question whether the plans are worth the paper they’re written on.

Nevertheless, when it comes to gas boilers, there’s something to be said for an annual servicing and repairs to keep it running smoothly, even if it’s just for safety’s sake if nothing else. Without a boiler repair plan you could find yourself facing hefty bills if something goes wrong, especially with older boilers.

You may already have some form of cover through your home insurance, manufacturer's warranty, tradesman guarantee or home emergency policy. Make sure to check your boiler isn’t already covered through one of these policies. If you do have one of these policies and your boiler isn’t covered, you are able to extend it to cover your boiler or any other household products, but the extension might not come with an annual boiler inspection. Be sure to check all details before accepting an extension.

If your current supplier offers you a homecare plan, you might be able to get a discount through being an existing customer, but don’t forget to shop around first.

Is HomeCare really worth it?

There are 10 million people in the UK collectively spending £1 billion a year on insurance cover for their boiler and other household products. The independent consumer survey website, Which? estimates that the average annual cost for insurance, including an inspection, is around £245. That is a lot of money being spent per year, especially considering that a yearly inspection on your boiler only costs around £70. It can seem like a waste of money getting cover for your boiler, but depending on your attitude to risk, it might seem like a good investment considering the average cost of repairs to a boiler is £210.

British Gas HomeCare Contact

There are various ways to get in touch with the British Gas HomeCare team, depending on whether or not you’re already a customer or if you’re thinking about taking out a policy for the first time.

Always remember - if you smell gas call the Gas Emergency Services on 0800 111 999.

For other queries relating to HomeCare, you’re likely to find the answer in this list of Frequently Asked Questions. You will also be able to access the online webchat service from the same page as the FAQs. The webchat connects you to a real person, who may be able to answer your query immediately but is more likely to refer you to another department.

If your query isn’t resolved by the online FAQs or live webchat, you can call the British Gas team directly

If you aren’t a British Gas HomeCare customer

If you would like to contact British Gas HomeCare about taking out a policy, you can do so by calling the number we have provided below. This is a different number from the standard British Gas customer service number, so make sure you use the number below to speak to a HomeCare agent.

British Gas HomeCare Telephone number

blue telephone

HomeCare Contact Details
Please check with your provider if you don't know how much a call will cost.
You can also book an engineer online.
0333 202 9604
* * Monday to Friday: 8am-8pm; Saturday: 8am-6pm

Remember, you don’t have to take out a HomeCare policy to use British Gas engineers for boiler and heating repairs and services.

British Gas HomeCare Login

Logging into a HomeCare account is the same process as logging into a British Gas account for energy bills and meter readings.

Click here to log in to your British Gas HomeCare account:


If don’t have an account yet, setting one up is a simple process. You just need an email address and your home address details. You’ll then be able to access your account online with your email address and a password.

British Gas HomeCare Address

Send a letter to...

British Gas
PO Box 227
Rotherham
S98 1PD

Send an email to...

customerservice@britishgas.co.uk

If you are an existing British Gas HomeCare Customer

For existing HomeCare customers there are a few different avenues of communication for different issues. With the British Gas smartphone app you can manage lots of different aspects of your British Gas account, including booking a boiler service and submitting meter readings.

Book an engineer, book a boiler service, track an engineer

All of these services are in one handy place. You just need to log in to your British Gas account to book a boiler service, make an appointment with an engineer or to arrange a callout for any kind of repair that’s covered by your HomeCare plan.

Moving home

You can take your British Gas HomeCare plan with you when you move house, but you will need to contact the HomeCare team on 0333 2029802 to let them know. They may arrange an engineer visit to your new home to make sure the boiler meets the British Gas criteria for HomeCare cover

Make a complaint

If you would like to make a complaint or contact British Gas in writing, you can either write a letter to the address given above for British Gas customer services or contact them directly by phone.

HomeCare for landlords

As a landlord you cannot afford to cut corners when it comes to gas and electrical safety inspections, nor can you leave your tenants without heating or hot water if your boiler breaks down.

British Gas HomeCare for landlords is essentially the same four levels of cover as HomeCare One, Two, Three and Four for standard customers, but with landlord cover you also get a gas safety certificate. Of course, this makes HomeCare for landlords more expensive than standard HomeCare; the most basic cover will set you back around £200 per year, around £30 more than standard HomeCare.

Alternatively, if you don’t want to commit to a full HomeCare plan, British Gas offers stand-alone gas safety checks and electrical inspections for landlords. These reports are required by law in the UK. Here’s what it costs to get your rental property legally compliant through British Gas:

  • Annual gas safety check and certificate: at least £75
  • Electrical Installation Condition Report: at least £210
blue telephone

Contact British Gas HomeCare for landlords
Please check with your provider if you don't know how much a call will cost.
You can also book an engineer online.
0808 1593485
* Monday to Friday 8am-8pm, Saturday 8am-6pm

British Gas HomeCare for businesses

Similar to domestic HomeCare plans and HomeCare for landlords, British Gas offers different levels of cover from one-off repairs and annual servicing to comprehensive cover for all sorts of eventualities. Here’s a breakdown of the different plans.

Business Care Core £228 per year + VAT Business Care Essential £324 + VAT Business Care Plus£384 + VAT
No heating or hot water: guaranteed response time Next working day Next working day 24 hours including evenings and weekends
Parts and labour £50 excess for parts, per appliance, per breakdown.

Unlimited labour.

Unlimited Unlimited

All three Business Care plans include an annual service, unlimited callout and a 24/7 customer helpline.

You should note that, although the response time of British Gas Business Care is fast when your heating or hot water fails completely, British Gas will take up to five working days to respond to more minor faults.

If you only want an annual service, it will cost at least £99, plus more for any repairs that are needed.

blue telephone

Contact British Gas Business Care
Please check with your provider if you don't know how much a call will cost.
You can also book an engineer online.
0330 037 3539
* Monday to Thursday 8.30am-6pm, Friday 8.30am-5pm

Alternative homecare cover providers

British gas is not the only company to offer home care plans for your appliances. 24/7 Home Rescue offers four different plans starting from just under £60 per year, covering products such as boilers, heating systems, plumbing, pipes, drainage, electrics and much more.

CORGI HomePlan is another company that has a strong relationship with its customers, having been in the business for 40 years. They offer four plans to keep your hot water running and your house warm. The starter plan is £144 a year and includes cover for your boiler, heating system, radiators, piping, controls, electrics and annual boiler inspection, with unlimited call outs, all parts and labour included.

Summary of alternative policy providers

British Gas Corgi HomePlan 27/7 Home Rescue
No. of plans 4 4 3
Cheapest plan £234 £144 £59
Most expensive plan £432 £214 £212
Special offer? NO No No
Excess Yes No Yes
Unlimited claims Yes Yes Yes
Parts & labour included in cheapest deal? Yes Yes Yes