A budget-friendly boiler and home-emergency insurer with one of the lowest entry prices on our panel — plus a £0-excess option. Here's what's covered, what to watch for, and who it suits.
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Home Emergency Assist is a UK provider of boiler and home-emergency cover aimed at homeowners who want broad protection without a British Gas-sized monthly bill. Its plans are FCA-regulated insurance, which means they carry the usual consumer protections — cover from the Financial Services Compensation Scheme (FSCS) and access to the Financial Ombudsman Service if something goes wrong. That's a meaningful difference from an unregulated service or maintenance plan, which has neither.
What stands out is the price. Cover including central heating starts from around £6.12 a month, and you can choose a £0 call-out excess — an unusual combination at the budget end of the market. The trade-off sits in the claim limits and the lack of an annual service on the cheapest tier, which we cover below.
A snapshot of the tiers below (indicative prices, last checked June 2026). Confirm the latest figures on the provider's site.
| Plan | What's covered | From | Excess | Per-claim limit |
|---|---|---|---|---|
| Boiler & Central Heating | Boiler, controls & central heating (radiators, pipes) | £6.12/mo | £0 option | £1,000 |
| Comprehensive | Boiler, heating, plumbing & drainage | Higher tier | £0 option | £1,000 |
| Supercharged (premium) | Comprehensive cover with a raised claim limit | Premium tier | £0 option | £5,000 |
Entry-tier cover does not include an annual boiler service. The £1,000 per-claim limit applies to the standard tiers; the premium "Supercharged" tier raises that limit to £5,000.
Home Emergency Assist is a strong fit if you want broad cover on a tight budget. Getting boiler and central heating protection from roughly £6.12 a month, with the option of paying no call-out excess, is hard to beat at this price point — particularly for homeowners with a relatively reliable boiler who mainly want peace of mind against an unexpected breakdown.
It's less ideal if a single big repair or a boiler replacement worries you, because the £1,000 per-claim limit on the standard tiers can fall short of a new-boiler bill. If that's a concern, look at the premium "Supercharged" tier with its £5,000 limit, or compare providers whose top tiers include replacement. It's also worth a moment's thought if a yearly service matters to you — that's not on the entry tier, so factor in the roughly £60–£120 a standalone service would cost.
Its boiler and home-emergency products are FCA-regulated insurance. That means they come with FSCS protection and access to the Financial Ombudsman Service — protections an unregulated service or maintenance plan does not provide. Always confirm the current regulatory status and policy documents on the provider's own site.
Cover including central heating starts from around £6.12 a month with a £0-excess option (indicative, last checked June 2026). The exact price depends on your chosen tier, excess and the cover level. Comprehensive and the premium "Supercharged" tier cost more. Check the live price before buying.
The standard tiers carry a £1,000 per-claim limit, which covers most everyday repairs but may not stretch to a full boiler replacement. The premium "Supercharged" tier raises the per-claim limit to £5,000. The entry tier also does not include an annual boiler service.
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