Boiler stopped working?
Does Home Insurance Cover Boiler Breakdown? (UK)
Boiler breakdown isn't standard on UK home insurance — you need home emergency cover. Check yours in 60 seconds.
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The short answer
Mechanical and electrical breakdown of a boiler is excluded on every standard UK home policy. You need either a home emergency add-on (£40–£90/year) or a separate boiler cover plan. Resulting damage (e.g. escape of water from a failed seal) IS covered.
Frequently asked
- Does home emergency cover replace the boiler?
- No — it covers a call-out and temporary repair, usually capped at £500–£1,000. Full replacement needs a separate boiler plan.
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Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.
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