What does "free boiler cover" usually mean on an energy tariff?

"Free boiler cover" on a UK energy tariff typically means boiler breakdown cover is included as part of your monthly payments for a fixed period (often 12 months). It may be bundled into the tariff price rather than truly free, and the cover level, exclusions, excess and call-out limits can vary by provider. Always check the policy wording before switching.

Are energy tariffs with boiler cover actually cheaper than buying cover separately?

They can be good value, but not always. Compare the tariff unit rates and standing charge to a similar tariff without cover, then add the cost of separate boiler cover. If the bundled tariff costs more than the savings you get from the included policy (or you would not have bought cover anyway), it may not be worth it.

What should I compare before choosing an energy tariff with free boiler cover?

Compare: (1) electricity and gas unit rates and standing charges, (2) contract length and exit fees, (3) whether cover is for the boiler only or includes radiators, pipework or annual servicing, (4) excess/call-out charges, (5) claim limits and parts/labour caps, (6) exclusions for pre-existing faults or older boilers, and (7) response times and engineer availability in your area.

Does boiler cover on an energy tariff include an annual boiler service?

Not always. Some plans include an annual service, while others only cover breakdown repairs. If an annual service is important to you, confirm it is included and check any booking windows, eligibility rules and whether the service is provided by a network of engineers or a third party.

Are there common exclusions with "free" boiler cover?

Yes. Common exclusions can include pre-existing faults, cosmetic damage, sludge/scale-related issues if a powerflush is required, certain parts, older or non-standard boilers, inaccessible flues, and faults caused by poor maintenance. Policies may also have limits on the number of call-outs or the total value of repairs.

Can I get boiler cover bundled with my energy if I rent my home?

If you rent, your landlord is typically responsible for the boiler and repairs, so paying for boiler cover yourself may not be necessary. Always check your tenancy agreement and confirm who is responsible before choosing a tariff that includes boiler cover.

What if I want to switch energy supplier but keep the boiler cover?

Bundled boiler cover is usually linked to the tariff. If you switch away, the cover may end or revert to a paid plan. Check the terms for cancellation, minimum periods, and whether you can continue the cover separately.

Is boiler cover better than an emergency fund for repairs?

It depends on your risk tolerance and budget. Boiler cover can provide peace of mind and predictable monthly costs, but you may pay more over time than the cost of occasional repairs. If you can set aside savings for unexpected breakdowns, you might prefer a cheaper energy tariff without bundled cover.

How do I decide if an energy tariff with free boiler cover is worth it for my home?

It is more likely to be worth it if your boiler is older, you cannot easily absorb a large repair bill, and the tariff rates remain competitive. It is less likely to be worth it if the tariff is significantly more expensive, the policy has strict exclusions, or you would not buy boiler cover separately. Compare quotes and read the cover details before committing.

Where can I compare energy tariffs (with or without boiler cover) in the UK?

You can compare energy deals and see whether boiler cover is included by using Energy Plus to review available options and choose a tariff that fits your budget and risk preferences. Start here: https://www.energyplus.co.uk/

Energy tariffs with free boiler cover: worth it in the UK?

A practical, UK-specific guide to when “free boiler cover” energy deals can be good value (and when they’re not) — with real-world examples, typical exclusions and a simple way to compare like-for-like.

See if the cover is genuinely included or paid for via a higher unit rate/standing charge.
Check what’s covered (boiler only vs full central heating) and common exclusions like pre-existing faults.
Compare against buying boiler cover separately — and consider your boiler age, warranty and repair risk.

Get your energy quote Compare what “free cover” really means

Information is guidance only. Tariffs, prices, eligibility and cover terms vary by supplier, region, meter type and payment method.

Fast answer: sometimes — but only if the numbers and cover terms stack up

In the UK, an energy tariff that advertises “free boiler cover” can be worth considering if:

The energy price is competitive versus other tariffs you can actually get (same region, payment method and meter type).
The cover matches what you need (boiler & controls, or full central heating, or including plumbing/electrics).
You’re likely to use it (older boiler, no warranty, you’d otherwise buy a policy).

It’s usually not worth it if the tariff is meaningfully more expensive, you have a newer boiler under warranty, or the policy has tight exclusions (for example pre-existing faults or limited parts/labour).

Important: “Free cover” is rarely free in an absolute sense — it may be funded by a higher unit rate/standing charge, a minimum term, or reduced discounts elsewhere. Always compare the estimated annual energy cost first, then treat cover as the bonus (or the tie-breaker).

Key takeaway #1

Value comes from the difference between the tariff’s extra energy cost and the cost of equivalent cover bought separately.

Key takeaway #2

If the cover is boiler-only, check if you actually want heating system cover (radiators, pipework, controls).

Key takeaway #3

Eligibility can depend on postcode, boiler age, service history and whether faults are pre-existing.

Check whole-of-market energy deals (and filter for boiler cover)

If you’re considering a tariff with included cover, start with the basics: get energy prices for your home first (region, meter type and payment method can change what you’re offered). We’ll then help you compare any deals that bundle boiler cover or breakdown services.

Good to know: Some “free cover” offers are available only to new customers, may require a minimum term, or apply only where you take both gas and electricity. Always check the tariff and cover documents before switching.

What you’ll need

Your postcode (to price your region correctly)
Whether you pay by Direct Debit (often the best rates)
Your preferred contact details (so we can send your results)

Quick decision tip

If you already pay for boiler cover, check your monthly premium and what it includes. You can then compare whether a bundled energy deal is cheaper overall (energy + cover) for the same level of protection.

Get your quote

Fill in the form and we’ll send you comparable tariffs. You can ask us to highlight deals with included boiler cover.

How to compare “free boiler cover” tariffs properly (UK)

1) Compare energy costs first (same inputs)

Use the same assumptions for every quote: your postcode/region, meter type (credit/smart/prepayment), payment method and (if shown) your estimated usage in kWh.

2) Identify what the cover actually is

“Boiler cover” can mean anything from a basic breakdown policy to a broader plan with controls, radiators, plumbing, call-out and parts. Look for the cover summary and the terms & conditions.

3) Put a pound value on the benefit

If the tariff is £X/year more expensive than the cheapest suitable alternative, the cover is only “worth it” if equivalent cover would cost you more than £X (and you’d actually buy it).

4) Check exit fees and what happens if you switch again

Fixed tariffs can have exit fees. The bundled cover may end if you leave the supplier. If you like switching often, factor that in.

Comparison: tariff with included boiler cover vs separate cover

This table shows the practical differences to look for. Use it as a checklist when you’re reading a supplier’s tariff info and the cover documents.

What to compare	Tariff with “free boiler cover”	Cheaper tariff + separate cover	Why it matters
Total annual cost (estimated)	Energy cost may be higher; cover appears “included”.	Energy cost lower; you add monthly cover premium.	Best way to judge value is energy + cover together.
Level of cover	May be boiler-only, or boiler & controls, sometimes more.	You choose boiler-only or wider plans (heating, plumbing, electrics).	A “free” plan can be narrower than what you already have.
Excess / limits	Could include an excess and/or cap on claims/parts/labour.	Varies by provider; you can select policy with acceptable limits.	A cheap policy can disappoint at claim time if limits are low.
Call-out and response	Sometimes “priority” language; actual times vary by region and demand.	You may be able to choose provider with better terms/service coverage locally.	During cold snaps, service levels are under pressure across the market.
Flexibility to switch	Cover may stop when you leave; tariff may have exit fees if fixed.	Cover continues regardless of energy supplier (if it’s separate).	If you switch often, bundled cover can be less practical.

Decision checklist: who it suits (and who it doesn’t)

Usually suits you if…

Your boiler is older (for example 8–12+ years) and you’re out of warranty.
You prefer predictable monthly costs and would buy cover anyway.
The tariff is within a small margin of the best alternative you can get.
The cover includes what you care about (e.g. parts & labour; controls).

Usually not worth it if…

Your boiler is new and covered by manufacturer warranty or a service plan.
You already have comprehensive home emergency or heating cover.
You’re on prepayment or have a meter setup with limited tariff choice.
The tariff is noticeably pricier and the cover has strict exclusions/limits.

Tenant note: If you rent, your landlord is usually responsible for boiler repairs and maintenance, unless your tenancy agreement says otherwise. A tariff with boiler cover may not benefit you in the same way it would a homeowner.

Two realistic scenarios (with numbers)

These are illustrative examples to show how to do the maths. Prices, cover premiums and eligibility vary by supplier and postcode.

Scenario A: homeowner with older boiler (cover likely valuable)

Assumptions: Dual fuel, Direct Debit, standard credit/smart meter, typical use. Boiler is 12 years old, no warranty. You would otherwise buy boiler & controls cover.
Option 1: Cheapest suitable tariff (no cover): Estimated energy cost: £1,520/year
Option 2: Tariff with included boiler cover: Estimated energy cost: £1,610/year (difference: +£90/year)
Comparable cover bought separately: Estimated premium: £15/month (= £180/year)
What the maths suggests: If the included cover is genuinely comparable, paying +£90/year on energy could be better than paying £180/year separately. Check excess, limits and exclusions before deciding.

Scenario B: newer boiler under warranty (cover less useful)

Assumptions: Dual fuel, Direct Debit, typical use. Boiler is 3 years old and still under manufacturer warranty (subject to annual servicing).
Option 1: Cheapest suitable tariff (no cover): Estimated energy cost: £1,480/year
Option 2: Tariff with included boiler cover: Estimated energy cost: £1,620/year (difference: +£140/year)
Comparable cover bought separately: You may not need boiler breakdown cover while under warranty; consider just a service or emergency plan if desired.
What the maths suggests: The extra £140/year may buy you something you’re unlikely to claim on. A cheaper tariff could be the better choice until the warranty ends.

Reality check: A policy’s value depends on whether it pays out when you need it. Even if the maths looks good, read exclusions (especially pre-existing faults, age limits, no servicing history, and system sludge/blocked condensate style exclusions) to avoid nasty surprises.

Costs, exclusions and common pitfalls (UK)

Bundled cover can be helpful — but it’s also where many people get caught out. These are the checks we recommend before you switch.

1) Higher unit rates or standing charges

If the “free” cover tariff costs more per year, that difference is effectively what you’re paying for the cover. Compare estimated annual costs using the same usage and meter details.

2) Cover that’s narrower than it sounds

Some plans are boiler breakdown only, not the wider system (radiators/pipework). Others exclude controls or only cover specific parts. Check the cover summary for what’s included.

3) Excesses, caps and “fair usage” limits

You may have to pay an excess per claim, or face a cap on parts/labour or number of call-outs. A low cap can make a policy feel cheap until you need a major repair.

4) Pre-existing faults and waiting periods

If your boiler is already showing issues, the provider may class it as a pre-existing fault. Some policies include a waiting period before you can claim.

5) Annual servicing requirements

Cover (and manufacturer warranties) may require evidence of regular servicing by a qualified engineer. If you can’t provide it, claims can be declined.

6) Switching and cancellation rules

If you leave the supplier, the bundled cover may stop. If you’re on a fixed tariff, there may also be exit fees. Check both the tariff and cover cancellation terms.

Not sure what you’re looking at? Ask for (1) the tariff’s Key Facts / Tariff Information Label (wording varies), and (2) the boiler cover policy summary and full terms. You need both to judge value.

FAQs

Is “free boiler cover” actually free?

Usually it means the supplier isn’t charging a separate monthly premium. The cost can be indirectly built into the tariff price (unit rate/standing charge), or linked to a minimum term. Compare the estimated annual energy cost against other available tariffs to see the true difference.

Will a tariff with boiler cover be available in my area?

Availability can vary by region (postcode), meter type (including prepayment), and payment method (Direct Debit vs pay on receipt). Some suppliers also restrict certain bundles to new customers or dual fuel.

What’s the difference between boiler cover and central heating cover?

Boiler cover often focuses on the boiler itself (and sometimes controls). Central heating or “heating system” cover can extend to radiators, pipework, pumps and other components. Always check the policy summary for exactly what’s included.

Can I get boiler cover on a prepayment meter?

Sometimes, but your tariff choices may be more limited, and not all bundles are offered to prepayment customers. If you can move to smart prepayment or credit meter (where appropriate), you may unlock more tariff options — but eligibility depends on your circumstances and supplier policies.

What happens to the boiler cover if I switch supplier again?

Bundled cover usually ends when you leave the energy supplier, because it’s tied to that tariff. If you want cover that follows you regardless of energy switching, a separate policy is typically more flexible (but can cost more).

Could a claim be rejected for a pre-existing fault?

Yes. Many policies exclude faults that existed before the cover started, and some include waiting periods. If your boiler has been noisy, losing pressure, or showing error codes, read the exclusions carefully and consider getting it inspected first.

Does boiler cover include an annual service?

Not always. Some plans include an annual service; others are breakdown-only. Because warranties and some policies require servicing, confirm whether a service is included and what counts as acceptable proof.

I rent — should I choose a tariff with boiler cover?

Often, no. For many tenancies, the landlord is responsible for boiler repairs and maintenance. Check your tenancy agreement before paying extra (directly or indirectly) for cover you may not be able to use.

Trust, methodology and sources

Page details

Written by: EnergyPlus Editorial Team
Reviewed by: Energy Specialist
Last updated: February 2026

How we assess whether bundled boiler cover is “worth it”

We use a simple, transparent comparison method designed for UK households:

Like-for-like tariff pricing: Compare estimated annual costs for tariffs available to the same customer profile (region/postcode, meter type, payment method, fuel).
Value the cover separately: Estimate the cost of a comparable standalone policy (boiler-only vs boiler & controls vs full system), then compare that to any energy cost premium.
Check practical claimability: Review typical policy constraints (excess, caps, exclusions, servicing requirements, pre-existing faults) because they affect real value.
Consider switching behaviour: Bundled cover can reduce flexibility if it ends when you switch supplier.

Limitations: We can’t guarantee eligibility or claims outcomes, and we don’t assume you will (or won’t) have a breakdown. This guide focuses on decision-making under uncertainty: costs, cover scope and common restrictions.

Independent UK sources we rely on

Ofgem (Great Britain energy regulator) — for energy market rules and consumer protections.
Citizens Advice: energy advice — for practical consumer guidance on billing, switching and complaints.
GOV.UK energy guidance — for government-backed information, including support schemes where relevant.

Editorial standards

We aim to be accurate, UK-specific and clear about uncertainty. When we use example numbers, we label them as estimates and explain the assumptions. We avoid implying guaranteed savings or guaranteed claims acceptance.

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Updated on 24 Feb 2026