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Is boiler cover worth it? An honest answer
For some homes, yes. For others, putting the money aside works out cheaper. Here’s how to tell which you are, and what to check in any plan, ours included.
- £11a month, Home Care from
- 12month minimum term on our plans
- 15years: boilers under this age can join
£11a month, from
We sell Home Care plans, so you might expect us to say boiler cover is always worth it. It isn’t, and we’d rather you picked the right thing.
Which? surveyed over 10,000 homeowners in 2025 and found that paying for services and repairs as you need them usually works out cheaper over a number of years. That’s true for a lot of people. But not everyone wants to gamble on a repair bill in January, and for some homes cover makes good sense.
Here’s how to decide.
When cover makes sense
And when it probably doesn’t.
Probably worth it if
- A surprise repair bill would be hard to find
- Your boiler is between 10 and 15 years old
- You want one number to call and repairs included
- You’re a landlord and want rentals looked after too
Probably not worth it if
- Your boiler is new and under the maker’s guarantee
- You’ve savings set aside for repairs
- Your boiler is over 15 years old
With a new boiler, the manufacturer already covers parts and labour. What you need is the annual service that keeps that guarantee valid, either as a one-off for £120 or on our Service plan.
Talked through
What to check in any plan
Whoever you go with.
- Is it insurance or a service plan?
- Is there an excess each time someone comes out?
- What’s excluded? Faults that were already there, sludge and older boilers often are
- What will it cost after the first year?
- Is there a limit on repairs each year?
- Is the annual service included?
- Who actually turns up: a local engineer or whoever’s free?
Price rises at renewal are the big one. Which? found one large provider’s basic cover went from £150 in the first year to over £370 in the second.
Read the small print
Our terms, plainly
Service plans, not insurance. 12 month minimum, then monthly and you can cancel any time. Faults that were there before you joined, sludge and scale damage aren’t covered. Your first service is included and is also our check that the boiler can go on the plan, which starts once it passes. 10+ plans depend on parts being available.
Home Care plans at a glance
Every plan includes your annual boiler service.
Boiler under guarantee
Home Care Service
a month
- Annual boiler service
- Keeps your guarantee valid
- Preferential new boiler pricing
Repairs included
Home Care Boiler
a month
- Boiler repairs, parts and labour
- Annual boiler service
The whole system
Home Care Complete
a month
- Boiler, controls, radiators and valves
- Annual boiler service
Boiler 10 to 15 years
Boiler 10+ or Complete 10+
a month for Boiler 10+, £39 for Complete 10+
- First service included
- £300 towards a new boiler from us if yours can’t be repaired
Prices from our Home Care page, including VAT, correct at 1 November 2026. The Service plan is £11 a month for boilers of any age up to 15 years.
Which one sounds like you?
- Boiler under 2 years oldService only
A one-off service or the £11 plan.
- Can’t face a surprise billBoiler or Complete
Repairs included, parts and labour.
- Boiler 10 to 15 years oldThe 10+ plans
With £300 towards a replacement from us.
- Boiler over 15 years oldOne-off service
And a quote, when you’re ready.
Common questions
Is Home Care insurance?
No. Home Care plans are service plans, not insurance. You pay monthly and we look after your boiler: the annual service on every plan, and breakdown repairs on the Boiler and Complete plans.
Is there a minimum term?
Yes, 12 months. After that the plan carries on monthly and you can cancel any time.
Can I join if my boiler already has a fault?
Faults that were there before you joined aren’t covered. Get it repaired first, then join. A repair visit is £120 including VAT, before any parts.
Does Home Care cover my radiators?
On the Complete plans, yes. They cover radiators, valves and heating controls as well as the boiler.
My boiler is over 15 years old. Can I join?
Not on a plan. Boilers over 15 years old are serviced on a one-off basis instead.
What happens if my boiler can’t be repaired?
Every member gets preferential pricing on a new Worcester Bosch boiler. On the 10+ plans we also put £300 towards the replacement if yours is beyond economical repair, when we fit the new one.
Can I join when I book a service?
Yes. Choose Home Care when you book and your first service is included. Nothing is paid at sign-up, and the plan starts once your boiler passes.
Related pages
Sources: Which?, how to choose the best boiler cover. Checked 1 November 2026.
Not sure what you need? Give us a shout.
Book online in a couple of minutes or give the office a call, Mon to Fri, 9am to 5pm. We’ll tell you what we think, and if the answer is to leave things as they are, we’ll say that too.
Worcester Bosch Accredited Installer
Guarantees of up to 12 years on the boilers we fit. Gas Safe registered. Fife Trusted Trader. 400+ customer reviews.