Homeserve Boiler Replacement, Cover & Service Review: Everything you need to know

You will likely have heard of Homeserve boiler cover and service plans, but how good are they and are they worth the money?

If your boiler is going to break down, we all know that the odds are that it’s going to happen on the coldest day of the year, and that’s probably going to be a Sunday!

Then comes the search for a reliable engineer who isn’t already helping everyone else with the same issue and whose fees aren’t going to mean remortgaging the home.

Homeserve boiler cover and the emergency line can help with this but does it come at a price? Our review can help you decide…

Homeserve offer a wide variety of boilers from Worcester Bosch, Ideal Heating and Vaillant, who all produce some of the most efficient, high-performing gas combi boilers available!

They can also offer many different types of boilers other than combi, such as regular and system boilers. You can easily get a boiler replacement service from Homeserve with like-for-like replacements available as well as system swaps.

A Gas-Safe registered engineer will uninstall your old boiler and fit the new replacement boiler, so you can enjoy the privilege of a working heating system.

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Homeserve boiler replacement

Homeserve offer a wide variety of boilers from Worcester Bosch, Ideal Heating and Vaillant, who all produce some of the most efficient, high-performing gas combi boilers available!

They can also offer many different types of boilers other than combi, such as regular and system boilers. You can easily get a boiler replacement service from Homeserve with like-for-like replacements available as well as system swaps.

A Gas-Safe registered engineer will uninstall your old boiler and fit the new replacement boiler, so you can enjoy the privilege of a working heating system.

Homeserve boiler prices

Boiler prices at Homeserve can vary depending on a number of factors, namely the type of boiler and model that you want, but there are other factors that may also alter this. The prices start from around £2000 and increase depending on which boiler you want or which is best suited for your home.

There are also a number of financing options that Homeserve can offer you when paying for your boiler, including a 9.9% APR for 10 years or a 0% APR for 2 years.

The 9.9% APR plan allows you to pay a lower amount each month stretched over 10 years with interest added. Although you do end up paying more than you usually would for the boiler and installation, it allows you to pay the lowest amount possible each month, making it much more affordable.

0% APR means you won’t have to pay any interest or more than you have to for the boiler and service you want. However, it makes the monthly payments more expensive and, in turn, means that you pay them for only 2 years before they are fully paid off.

Here is a table to represent the kinds of prices you will get when purchasing a boiler from Homeserve:

Boiler	Output	Energy-efficiency Rating	Price
Worcester Bosch Greenstar 30i Combi boiler	30kW	A	£2,727
Worcester Bosch Greenstar 24Ri Regular boiler	24kW	A	£3,197
Ideal Logic C30 Combi boiler	30kW	A	£2,279
Ideal Logic Heat boiler	24kW	A	£2,697

For the 2 year 0% APR option, the prices you will end up paying will look something like this:

Boiler Price	Deposit	Length of Loan	Monthly Cost	Total Charge
£3,178	£0	24 months / 2 years	£132.42	£3,178

For a 9.9% APR plan over the course of 10 years, the finances will look like this:

Boiler Price	Deposit	Length of Loan	Monthly Cost	Total Charge
£3,096	£0	120 months / 10 years	£40.02	£4,802.40

Homeserve boiler cover plans

This is when home emergency insurance plans provide a trusted service for homeowners giving complete peace of mind knowing that they’re not going to be faced with big unexpected bills.

There’s even the option of including your annual boiler service, so that’s another thing you don’t need to worry about. Homeserve is one of the best-known providers of emergency insurance plans.

They offer a range of boiler cover for pretty much all home repair needs. But with annual costs for some of their plans reaching over £300, you might be wondering if it’s really good value for money.

Homeserve also offers boiler and central heating cover for Eon boiler installations, with a 24/7 helpline and easy access to a number of different Gas-Safe engineers.

Below is a table of some of the different boiler cover plans they provide, what they do and how much they cost:

Cover Plan	What’s included	Monthly Cost
Gas Boiler	Cover for gas boiler & gas supply line	£8
Gas Central Heating	Cover for gas boiler, gas supply line & gas central heating	£13.50
Heating & Plumbing	Cover for all gas appliances, water supply & plumbing	£14.50
Heating, Plumbing & Electrics	Cover for all gas appliances, plumbing & home electrics	£16
Heating, Plumbing & Electrics Plus	Cover for all gas appliances, plumbing, home electrics, security/roofing & pest control	£18

In this guide, we’re going to take a closer look at what’s on offer so that you can decide if it’s the right option for you.

Who is Homeserve?

Homeserve has over 25 years of experience in providing home emergency insurance plans. They have a worldwide presence through their operations in North America and across Europe.

One of the real benefits of a policy with a company such as Homeserve is that they have an immense support network.

That then results in Homeserve membership providing a 365 days a year, 24 hours a day service with Homeserve approved engineers up and down the length of the company. They do also provide boiler installation but can be on the more expensive side.

Homeserve is regulated by the Financial Conduct Authority for both general insurance and credit broking activities under firm reference 312518. That means that you have protection and someone to turn to should you have a dispute with the company.

It is probably good to note that even if you have boiler cover, you should get the best combi boiler or heating system for your home that you can afford.

Find out who is better on our – British Gas vs HomeServe comparison page

Boiler cover and heating breakdown insurance options

While we’re going to focus on the cover available for gas boilers, Homeserve does offer a range of cover for more general insurance, including electrics and home appliances. People often look for British Gas Homecare alternatives and stumble upon Homeserve, so here’s is what they offer instead.

Homeserve gas boiler cover

Cover eligibility

To be able to take out gas boiler cover with Homeserve, there are some qualifying criteria for the types of boilers that can be covered.

• You need to be a homeowner and not tenants
• Mobile homes and park homes are not covered
• You need to have a gas boiler with an input power of less than 70kW per hour
• The gas pipe leading into the home must be 35mm or less

What’s covered

It’s important to have complete clarity over what’s covered with your Homeserve membership. For the gas boiler cover, that includes:

• Boiler breakdown, which results in no heat and hot water
• Faults with the boiler controls and components
• Gas supply pipe leaks
• Servicing of your gas boiler (in the first year of the boiler cover)

What’s not covered

As with all insurance policies, not everything will be covered. For the Homeserve gas boiler cover, the main exclusions are:

• The gas supply pipe that leads to your meter
• Faulty radiators
• Water pipes, tanks and cylinders that are external to the boiler

Terms and conditions

Excess

On top of your monthly premiums, there is also an excess to pay each time you call out an engineer. That’s currently a £100 fee though this can be reduced to £60 if you pay a higher monthly premium.

Boiler health check

Before the boiler cover is approved, there needs to be a health check of the system. This has to be carried out by a Gas Safe approved engineer and is booked directly with Homeserve.

For your policy to be live you’ll need to make sure that this is done within ninety days of taking out the policy. No claims are processed until this check has been undertaken.

Boiler replacement

If your boiler is under seven years of age and you’re in the first year of cover, then Homeserve will quote you to replace your boiler which is covered in your plan.

If the boiler is over seven years of age and in the first year of cover, then Homeserve will still replace it with a new boiler, but you’ll need to pay costs associated with the install itself.

Homeserve gas central heating cover

If you’re looking to not only get boiler cover but also include the gas central heating, then this is the option you’ll need. Do be aware that this policy has the same eligibility as to that for the gas boiler cover.

What’s covered

• Boiler breakdown which results in no heat and hot water
• Faults with the boiler controls and components
• Gas supply pipe leaks
• Repairs needed due to leaks within the gas central heating system.
• Servicing of your gas boiler

What’s not covered

The main exclusions for this policy are:

• The gas pipe that leads to your meter
• Problems related to plumbing and drainage

How much does a Homeserve boiler service cost?

An Homeserve annual boiler service cost £100 or more depending on where about in the UK your home is. If you live in the southern area of England expect the cost of a boiler service to be around the £125 mark, if not more in some areas due to the higher hourly rate and cost of living.

Homeserve annual boiler service plan

If you’re just interested in getting a boiler service completed by gas safe approved engineers, then Homeserve does offer this option without the need to take out an annual policy.

Having your boiler serviced each year allows you to relax knowing that it’s running efficiently and that small issues are quickly identified before they become bigger problems.

It’s important to know that the fee doesn’t include any repair work. So while the engineer might be able to establish why you have a noisy boiler or what the problem is with the heat exchanger, they’re not then going to sort it out without paying an additional fee.

Homeserve one-off repairs

You might find yourself in that worst-case scenario of having problems with your gas central heating but not having boiler cover.

In the instance, Homeserve can still help through their one-off repairs option. This is offered on their full range of service, so includes repairs on gas boilers, electrics and central heating.

Homeserve doesn’t provide details of the call-out costs for this option on their website. So, you will need to call them with all the details of the required repairs for them to provide you with a quote.

Is a Homeserve boiler cover plan right for me?

Before you leap in and take out the gas boiler breakdown cover, it’s important to know that it might not be the right option for you right now.

If you have a boiler that’s already under warranty from the manufacturer, then you could be duplicating the cover.

While exclusions apply and so it may not cover elements such as the gas supply pipe or the central heating costs, if you’re in a relatively new home, then this is less likely to cause you problems.

Don’t forget that as well as the monthly premium, there is also that callout charge to consider and the fact that policy prices are very cheap in the first year but can double in year two.

That all said, if you’re looking for that complete peace of mind that comes from knowing that your Homeserve membership means that you have 24/7 boiler cover, then it could be worth every penny.

Why is Homeserve so expensive?

Homeservice is so expensive due to the fact they are such a large company and have large overheads such as a large workforce and customer service agents.

Homeserve relies greatly on its brand and reputation but this doesn’t always mean that you get the best boiler cover or service.

Alternatives to Homeserve boiler cover

The main alternative to Homeserve boiler cover is British Gas HomeCare in terms of the size, costs and services provided, however, there are even better options from smaller companies offering the same if not better services for less. British Gas Homecare is probably the best known for obvious reasons but that doesn’t mean it is the best alternative.

Here is a list of other options you can choose from instead:

• Boiler Central boiler cover
• Hometree
• 224/7 Home Rescue
• Corgi HomePlan

Boiler cover with Homeserve – What to do

If you’ve been checking out boiler cover because you’ve been having problems with your heating system, then it could also be time to look at a new boiler from a trusted and best boiler brand such as Worcester Bosch.

Not only will you benefit from the manufacturer’s warranty, which could be up to twelve years, but you could also have a much more efficient supply of hot water resulting in lower energy bills.