How much does boiler insurance cost?

What should I expect? But more importantly, is it even worth it? I've never owned a house before and I've had family recommend getting it, but I'm honestly not convinced

Asked by Karen on 25th Jan 2026
Expert Trade Answers
"Normally, if you go with someone like direct line or RBS, it could be as much as £30 per month or even the rights of British Gas
Through our experience we quite often tell customers to read the fine print as there are a lot of things that aren't covered on these policies and it's gonna be very frustrating when you've been paying insurance policy over fluctuation when you do go to my claim you find out you're not covered"
Answered on 1st Feb 2026 - Member since May 2018 - report
"I wouldn’t waste your money with the big companies as lots of them never want to come out and will write the boiler off for any costly parts. You’re better off putting the money into its own pot and use it for when you need it."
Answered on 30th Jan 2026 - Member since Jan 2026 - report
"It varies depending on the boiler type and age, if the warranty on the boiler as passed then i would advise shopping around for insurance as repairs could end up being very costly, also you have to consider the age of the appliance and are all parts still available? All the best"
Answered on 25th Jan 2026 - Member since Feb 2025 - report
"The cost will depend on the company and what packages they offer.
It would be best to compare the ones in your local area and check there terms and conditions to see exactly what you are paying cover for.
The alternative is not having it, pay as you go, then it will be the luck of the draw when the boiler decides to not work.
We definitely recommend having the boiler serviced annually to help maintain the boiler, get advise from the engineer on the service."
Answered on 25th Jan 2026 - Member since Feb 2024 - report
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