You can pick up boiler cover from around £4 a month — but the lowest headline price isn't always the best deal. Here's how to cut the cost without getting caught out.
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The cheapest plans on our panel are boiler-only products with a higher call-out excess and no extras. At the time of writing, entry-level cover starts at roughly £4 a month. The table below shows a few of the lowest-priced plans we've seen (prices are indicative and were last checked in June 2026 — always confirm the current price on the provider's own site before you buy).
| Provider | Plan | Cover | From | Excess |
|---|---|---|---|---|
| Smart Cover | Boiler Cover | Boiler only | £3.90/mo | £60 |
| 24/7 Home Rescue | Boiler Basic | Boiler only | £4.49/mo | £95 |
| Home Emergency Assist | Boiler & Central Heating | Boiler + heating | £6.12/mo | £0 |
Indicative prices, last checked June 2026. We compare a selected panel of providers, not the whole market. Some plans are FCA-regulated insurance; others are unregulated service/maintenance plans — check each provider's documents before buying.
Boiler-only is the cheapest tier because it strips out central heating, plumbing, drains and home electrics. If your boiler is your main worry — and your radiators and pipework are in good shape — it's the obvious place to start.
The call-out excess is a price lever. Choosing a £60–£95 excess instead of £0 can shave a few pounds off your monthly bill. The trade-off: you pay that excess on every repair, so on an older boiler that breaks down often it can wipe out the saving.
Plumbing, drains, electrical and "home emergency" extras all push the price up. Add them only if you genuinely want that cover — and never let a paid extra be pre-ticked at checkout.
Some providers give a small discount for paying for the year up front rather than monthly. If your budget allows it, it's an easy saving.
Use our tool's Cheapest sort to line up the lowest prices, then check each one is comparing the same thing — same cover level, same excess, same claim limits.
A rock-bottom price usually means something has been taken out. Before you buy the cheapest plan, check what you're giving up:
Some boiler cover is FCA-regulated insurance, which comes with FSCS protection and access to the Financial Ombudsman Service if something goes wrong. Other products are service or maintenance plans, which are not regulated and don't carry those protections. Neither is "wrong" — but a service plan is not insurance, so factor the difference in when you compare on price alone. We label every listing on our panel.
The lowest prices on our panel are boiler-only plans starting from around £4 a month — for example Smart Cover from about £3.90/mo and 24/7 Home Rescue Boiler Basic from £4.49/mo. These typically carry a higher excess and don't include an annual service. Prices are indicative (last checked June 2026); confirm the current figure on the provider's own site.
It can be, if it matches your home. Boiler-only cover with a higher excess is fine for a newer boiler where your main risk is a big one-off repair. For an older boiler — or if you want an annual service and a £0 excess — a slightly dearer plan often delivers better value over the year.
Some cheap headline prices are first-year introductory deals that rise at renewal. Always check whether the quote is a fixed price or an intro rate, set a reminder before renewal, and re-compare the panel rather than auto-renewing.
The biggest levers are dropping to boiler-only cover, taking a higher call-out excess, and skipping add-ons like plumbing, drains and home-emergency extras. Paying for the year up front can earn a small discount with some providers, and shopping around at renewal usually beats auto-renewing. Compare the panel and sort by cheapest to see the lowest prices side by side.
Boiler-only is the cheapest tier because it covers just the boiler and its controls, leaving out central heating, plumbing, drains and home electrics. On our panel that starts from around £4 a month. It suits homes where the boiler is the main concern and the radiators and pipework are in good order.
Usually, yes — choosing a £60–£95 call-out excess instead of £0 can knock a few pounds off your monthly price. The catch is that you pay that excess on every repair, so on an older boiler that breaks down often it can cancel out the saving. Weigh the lower monthly cost against how many call-outs you realistically expect.
Price is driven up by wider cover (central heating, plumbing, drains, electrics), a £0 excess, an included annual service, and a higher claim limit. The age and type of your boiler can matter too, and a renewal quote may have risen from an introductory first-year rate. Re-compare the panel and strip back any extras you don't actually need to bring the cost down.
Not necessarily a catch, but worth checking. Some low headline prices are first-year introductory deals that step up at renewal, so confirm whether the quote is a fixed price or an intro rate before you buy. Diarise the renewal date and re-compare rather than letting it roll over automatically.
Use the Cheapest sort to line up the lowest prices on our panel in seconds, then buy direct on the provider's site.
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