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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