Most national boiler-cover plans are built around mains-gas boilers. If you heat your home with an electric boiler, your options are narrower — here's what to look for.
Home›Guides›Electric Boiler Cover
An electric boiler heats water using an internal element rather than burning gas. There's no flue, no combustion and no carbon-monoxide risk, and they're common in flats, park homes and properties with no mains-gas connection. Because the technology is different, the way cover plans treat them is different too — and many plans built for gas combi boilers simply aren't written with electric units in mind.
Most of the well-known boiler-cover providers focus on mains-gas central heating, because that's where the bulk of UK demand sits. Several reasons drive the narrower electric market:
Read the eligibility section carefully. Look for explicit mention of electric boilers, any age limit on the unit, and whether the element, immersion heater and controls are included or excluded.
Some products are FCA-regulated insurance — these come with FSCS protection and access to the Financial Ombudsman Service if something goes wrong. Others are service or maintenance plans, which are not regulated in the same way and have different protections. Neither is automatically better, but you should know which one you're buying. We never call a service plan "insurance".
Check the call-out excess, any annual claim limit, and exclusions for pre-existing faults, sludge or scale, and the heating element specifically. A low headline price can hide a high excess.
Before paying for a standalone electric-boiler plan, check what you already have. Home-emergency cover (sometimes bundled with home insurance) and dedicated home-electrics cover can include the boiler, wiring and controls in a way that partly overlaps with a dedicated plan. Paying twice for the same fault is easy to do — so read your existing policy first.
Plans tend to fall into a few broad shapes. The figures below are illustrative ranges to show how they're structured — not live quotes.
| Plan type | Typically includes | Indicative price |
|---|---|---|
| Boiler-only (electric eligible) | Repairs to the electric boiler and its controls | £6–£12/mo |
| Boiler & central heating | Boiler plus radiators, pipes and system controls | £9–£18/mo |
| Home-emergency / electrics | Boiler may be one item among wiring, plumbing and more | £8–£20/mo |
Prices are indicative ranges, last checked June 2026. We compare a selected panel of providers, not the whole market, and we may earn commission. This is information, not advice — confirm cover, eligibility and price on the provider's own site.
Our panel is mainly built around mains-gas boilers, so not every plan applies to electric units. Some providers do offer electric cover or include it within a wider central-heating plan — check each provider's eligibility wording, and confirm on their own website before buying.
It can be either. FCA-regulated insurance carries FSCS protection and Financial Ombudsman access; a service or maintenance plan is not regulated in the same way. Check which one a product is before you commit.
Possibly. Home-emergency or home-electrics cover added to a home insurance policy can include the boiler and controls. Read your current policy before paying for a separate plan, so you don't double up on the same protection.
Yes, but the choice is narrower than for mains-gas boilers. Some providers cover electric boilers on a standalone plan, while others only include them as part of a wider central-heating policy. Our comparison panel is largely geared toward gas, so confirm electric eligibility on the provider's own website before you buy.
Most national providers focus on mains-gas central heating, because that is where the bulk of UK demand sits. Gas repairs use a Gas Safe registered engineer that providers already have on their books, whereas electric boiler work needs a qualified electrician — a separate engineer network. As a result, several plans either exclude electric units or treat them differently.
This varies by plan, so read the eligibility wording closely. Cover typically focuses on breakdown repairs to the boiler and its controls, and may extend to the heating element and immersion heater — but watch for exclusions on the element, scale damage or pre-existing faults. A wider plan can also include radiators, pipework and system controls.
Not necessarily. Although electric boilers have no flue or combustion to maintain, the smaller pool of providers means less competition, so prices are not always lower. Indicative monthly costs in 2026 sit in broadly the same range as gas plans — roughly £6 to £18 a month depending on what is included. Compare the excess and claim limits, not just the headline price.
There is no combustion and no carbon-monoxide risk, so an electric boiler does not need a gas safety check. However, a periodic electrical inspection of the element, wiring and controls is still good practice and can keep the unit running efficiently. Note that the annual service included on many gas plans is less standardised for electric boilers, so check whether a service element is part of any plan you consider.
See our panel of plans and check which apply to an electric boiler before you decide.
Compare boiler cover