Comprehensive boiler breakdown and central heating insurance, plus electrics, plumbing cover and more
What you get
- Cover for leaks inside your boiler
- Boiler breakdown cover
- Cover for faults that prevent you from controlling the timings or temperature of your boiler
- A boiler service, normally £84 – free in your first year as a customer
- Central heating breakdown cover
- Unlimited claims, with no claims limit for boiler and central heating problems unless your boiler is beyond economical repair
- After you’ve had your policy for six months: replacement of your boiler if it is beyond economical repair. If your broken boiler is under seven years old we’ll install it for free, and if your boiler is older you’ll just need to pay us for installation
- A damaged or leaking gas supply pipe, from your gas meter up to any appliance
- Plumbing leaks and blockages
- Dripping or seized taps
- Escapes of water from toilets or tank overflows
- A leaking or blocked water supply pipe
- Repairs to your home’s mains electrical wiring system
- Trouble with switches, sockets and your fuse box
- Locks and keys, where the key is snapped in the lock or you have lost the keys needed to secure your home
- Protecting your home following damage to your roof
- Boarding up broken windows and external doors
- Infestations of rats or mice
- Wasps or hornets nesting in your home or garden.
Unlimited claims with a limit of up to £4000 per claim for:
- Household appliances
- Any pest outside other than a wasp/hornet nest.
Important information about this insurance
This product meets the needs of homeowners requiring assistance in the event of certain problems with plumbing, drainage, electrics, security, pests and gas central heating at their property.
You’ll get full details of what will and won’t be covered under your insurance policy and how to make a claim in the documents below. It’s very important that you read and understand these before buying your insurance policy.
Your boiler health check
We conduct boiler health checks for our customers. These allow us to make sure that your boiler is insurable and prevent you from paying for cover you can’t use. If your boiler health check isn’t booked or completed within 90 days of the date when you first take out your policy, we may remove the boiler and gas central heating elements of your cover. Until your boiler has passed its boiler health check, we won’t be able to progress any gas central heating or boiler breakdown claims you might make.
Your free boiler service
This insurance policy comes with a free boiler service during your first year as a customer. The normal price for a HomeServe boiler service is £84. The price of your boiler service is shown as free when compared to the equivalent product without a service. Terms and Conditions apply.
Our price beyond year one
The price of your insurance policy will increase at renewal.
Customers in their second year of cover are currently paying £38.00 per month for this insurance, provided they have made no claims. The annual cost for this insurance in year two is £456.00. This includes the cost of a boiler service.
Are you covered elsewhere?
Before buying this insurance it’s a good idea to check that you don’t already have cover in place. Look at your home insurance and any other insurance policies you might have to ensure you won’t end up paying for protection you don’t need.
How long will I have to wait before making a claim?
Once your policy is set up you’ll be able to make gas central heating and boiler breakdown insurance claims straight away. However, we’ll only be able to progress these once your boiler has passed its boiler health check. All other elements of your cover are subject to a 28 day initial exclusion period. This means you won’t be able to make any other kind of claim until 28 days after you first take out your insurance.
Who can buy this insurance?
You can buy this insurance if:
- You own your home
- You live in a house or a bungalow
- Your home is heated by mains gas.
Not sure this policy is right for you?
No worries. We offer a range of policies with different types of cover, so you can pick the one that suits you best. Come across something you can't understand? Contact us and we'll be happy to help.
Insurance that covers your gas boiler and heating, plumbing and drainage – as well as pest control, electrics and home security
Home emergencies come in all shapes and sizes. With HomeServe Cover 8 you can feel confident that whether a boiler breakdown, leaking pipe or electrical fault threatens to derail daily life, we’ll be there. With added protection against pest infestations and roofing and security problems, our most comprehensive policy comes with all the benefits of our long experience in taking care of UK homes.
A helping hand from HomeServe
We’ve been taking care of UK homes for 25 years. In 2018, our nationwide network of approved engineers helped us handle over 652,000 insurance claims. What’s more, our claims line is open 24/7, 365 days a year – so no matter when you discover a problem, you’ll be able to reach someone who can help to get it sorted.
Frequently asked questions
Your insurance policy is sold, arranged and administered by HomeServe and underwritten by Aviva Insurance Limited. The price of your insurance policy includes all fees and Insurance Premium Tax (IPT).
We only accept payment for our insurance policies by direct debit over 12 months. You can decide whether to pay monthly or quarterly for your cover and it will cost the same either way.
If you need any help with getting a direct debit set up, you can contact us. We're always happy to help.
Whenever you make a claim, you'll need to pay your £60 excess. You can pay this using any of the following cards:
You'll need to pay your excess every time you make a claim, and you will be required to do this by entering your card details using your telephone keypad.
You can read more about this in your policy Terms and Conditions.
There is a Cancellation Period that begins when your policy starts. This is shown on your Policy Schedule.
Cancelling your policy during the Cancellation Period:
Cancelling your policy when the Cancellation Period is over:
You can find out more in your policy Terms and Conditions.
While you’ll be able to make a gas central heating or boiler breakdown claim as soon as your insurance policy is set up, we won’t be able to progress this until your boiler has undergone and passed its boiler health check.
Once this has been completed – which should be within 90 days of the date you buy your policy – you’ll be able to make any gas central heating and boiler breakdown claims you need to.
For all other types of claim, we operate an initial exclusion period of 28 days. This means you won’t be able to make any other type of claim until your insurance policy has been in place for at least that length of time.
A boiler is deemed beyond economical repair when the cost of fixing it is too close to the cost of replacing it.
We'll deem your boiler beyond economical repair if the total cost of the parts we need to repair it (including VAT) exceeds 85% of the manufacturer's current retail price for a new boiler of the same (or similar) make and model.
You can read more about this in your policy's Terms and Conditions.
HomeServe insurance policies that include boiler cover come with our boiler replacement promise.
This means that, once your policy has been in place for six months, we’ll replace your boiler if it is deemed beyond economical repair.
If your broken boiler is under seven years old, we’ll install it for free. If your boiler is older, you’ll just need to pay us for installation.
If you move house, the HomeServe boiler replacement promise won’t apply to the boiler at your new property until you’ve lived there for six months. After that, the boiler replacement promise will apply in the usual way.
It's important to organise your boiler health check as soon as the purchase of your insurance policy is complete.
We won’t be able to progress any gas central heating or boiler breakdown claims you make until it has been completed and your boiler has passed.
Your boiler health check should take place or be booked within 90 days of the date when you first take out your policy. If this doesn’t happen we may remove the parts of the policy that cover your gas central heating and boiler.
If you move house, you need to let us know and organise a health check for the boiler at your new property as soon as possible.
If your boiler health check identifies a problem with your boiler, we won’t be able to progress any gas central heating or boiler breakdown claims you make until the issue has been resolved. However, we will tell you what work needs to be done in order to fix your boiler.
This work won't be covered under your policy and you'll need to pay to have it done yourself.
Once any necessary remedial work to your boiler has been completed and it has passed its boiler health check, you’ll be able to make gas central heating and boiler breakdown claims in the normal way.
If you choose not to have your boiler repaired, we’ll remove the elements of your insurance policy that cover your gas central heating and boiler. We will then adjust your insurance premium accordingly.
If your boiler fails its boiler health check (either because it is in too poor a state to be repaired or because it is a type of boiler we cannot insure), we will again withdraw the parts of your policy that cover your boiler and gas central heating. Your premium will be adjusted in line with any such change.
No. Your boiler service is not an element of your insurance.
Because it's not part of your insurance policy, your boiler service is not part of the contract of insurance underwritten by the underwriter. Nor is it regulated by the Financial Conduct Authority. This means that if you have any complaint relating to your boiler service, you won't have the right to refer it to the Financial Ombudsman Service.
HomeServe offers boiler services on their own, not just along with insurance policies. The service you get will always be the same, whether you buy a standalone boiler service or an insurance policy that comes with one.
Your boiler service will never cost you more if you buy it along with an insurance policy. We'll always make clear how your premium breaks down, so you can see how much your insurance cover and your boiler service each cost over 12 months.
Yes. We don't provide cover for boilers that have a total power input of 70kW or more, or boilers that are fired by liquid petroleum gas (LPG), electric or oil. Other heating systems that are not covered include thermal storage heaters, electric storage heaters, warm air heating or dual purpose boilers (for example, Aga, Rayburn).
Some local authorities provide help for residents who experience problems with pests such as wasps and hornets.
Contact your local authority directly to find out more.
Your local water company may help you if your external underground water supply pipe leaks.
You’ll need to contact them directly to find out what assistance would be provided in an emergency, so you can assess whether additional insurance cover is necessary.
The price of your insurance policy will increase at renewal (after 12 months). Your cover will renew automatically unless you tell us you don't want it to.
Customers in their second year of cover are currently paying £38.00 per month for this insurance (£456.00 per year), provided they have made no claims. This includes the cost of a boiler service.
This policy is underwritten by Aviva Insurance Limited, which is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA. Aviva Insurance Limited is registered in Scotland as company number 2116. Aviva's registered address is: Pitheavlis, Perth, PH2 0NH.
HomeServe is an insurance intermediary. We arrange and administer insurance policies on behalf of the underwriter. HomeServe is a trading name of HomeServe Membership Limited. Our registered address is: Cable Drive, Walsall, WS2 7BN.
HomeServe Membership Limited is registered in England as company number 2770612. Our VAT registration number is GB559669669. HomeServe Membership Limited is authorised and regulated by the FCA for general insurance activity under firm reference number 312518.
The regulatory status of Aviva Insurance Limited and HomeServe can be checked on the Financial Services Register by visiting the FCA's website: www.fca.org.uk/register.
We carefully vet all HomeServe-approved tradespeople.
We do this by:
The price of your boiler service is shown as free when compared to the equivalent product without a service.
The boiler service included with this policy is free in the first year only. Upon renewal, the boiler service will be chargeable. The cost will be included in the overall price of your policy.
For more information, read What happens after my first year as a HomeServe customer?
Terms and Conditions