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Which comparison site wins for boiler cover?

A boiler breakdown repair costs £300–£1,000 on average. Annual boiler cover plans start from £60/year. But the market is dominated by British Gas and HomeServe with significantly cheaper alternatives available.

May 2026Last tested & updated
£600
Average boiler repair cost without cover in 2026
£60
Cheapest annual boiler cover for a standard combi boiler in 2026
10M
UK homes with British Gas boiler cover — the most expensive option in most cases
1.8M
Boiler breakdowns reported in the UK each year — highest in winter
15
Year mark at which boiler replacement (£2,000–£4,000) typically beats continued repair
Before you compare

5 things boiler cover comparisons won't tell you

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British Gas HomeCare is overpriced for most homes
British Gas HomeCare is the most purchased boiler cover in the UK but consistently one of the most expensive. Cheaper alternatives like Hive, Corgi HomeHeat and 24/7 Home Rescue offer comparable cover for 40–60% less.
📋
Excess amounts can make cheap plans poor value
A £99/year plan with a £250 excess per call-out may offer less value than a £150/year plan with a £60 excess. Always calculate potential total cost including excess.
⏰
Most plans exclude pre-existing faults
Boiler cover plans almost universally exclude faults that existed before the policy start. Some require a service or inspection before cover begins.
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Annual service is crucial and often separate
Many plans include an annual service; many don't. An annual service (£60–£100 standalone) is the most effective way to prevent breakdowns. Always check whether it's included.
📅
Buy in summer for better availability and sometimes lower prices
Boiler cover demand spikes in autumn. Buying in summer gives better choice and occasionally lower first-year prices.
Boiler Cover Comparison Sites — Ranked UK 2026
Good
Mixed
Poor
1
MoneySupermarket
moneysupermarket.com/home-insurance/boiler-cover
Best panel — good for comparing service inclusion and excess
8.5
/ 10 overall
▼ See full breakdown
Providers shown
Good range
Service inclusion filter
Good
Price accuracy
Very good
Excess comparison
Clear
Trustpilot
4.6 / 5
Home emergency option
Good
Best provider panelService inclusion filterClear excess displayGood all-round
OverCompare verdict: MoneySupermarket's boiler cover comparison has the widest panel and usefully allows filtering by service inclusion and excess amount. Their pricing is accurate and covers both standalone boiler cover and home emergency policies. Start here.
Visit MoneySupermarket →
2
Uswitch
uswitch.com/boiler-cover
Good for challenger provider coverage and annual service plans
8.0
/ 10 overall
▼ See full breakdown
Providers shown
Good range
Challenger providers
Good
Annual service
Clearly shown
Price
Competitive
Trustpilot
4.5 / 5
Home emergency
Available
Good challenger coverageService plans clearCompetitive pricesGood secondary check
OverCompare verdict: Uswitch is a strong second choice, particularly good for challenger providers like Corgi HomeHeat and 24/7 Home Rescue. Use as a secondary check after MoneySupermarket.
Visit Uswitch →
3
GoCompare
gocompare.com/boiler-and-home-cover
Decent for combined boiler and home emergency comparison
7.6
/ 10 overall
▼ See full breakdown
Providers shown
Good
Home emergency combo
Good
Price
Competitive
Excess clarity
Good
Trustpilot
4.1 / 5
Filtering
Basic
Good for home emergencyCombined plans availableBasic filteringGood third check
OverCompare verdict: GoCompare has decent boiler and home emergency cover comparison. Their filtering is more basic than MoneySupermarket and Uswitch but adequate for a third price check.
Visit GoCompare →
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Annual boiler service is the most cost-effective way to prevent breakdowns
Gas Safe engineers recommend an annual boiler service to keep your boiler running efficiently. A service costs £60–£100 standalone and many boiler cover plans include it. If your boiler hasn't been serviced in the last 12 months, book one before winter — unserviced boilers are significantly more likely to break down and may void your warranty.
OverCompare is independent and unsponsored. We do not accept payment for rankings. All boiler cover engineers should be Gas Safe registered — verify at gassaferegister.co.uk.