If your budget won't stretch to your boiler or central heating system failing, boiler breakdown cover can protect you from costly repair bills when you least expect or want them.
The policies are designed to help if things go wrong, and are a way to smooth out the impact of hefty repair bills - but they come at a cost and are not right for everyone. In fact, a report by consumer champion Which? earlier this year found that cover is financially worthwhile for very few people and paying for services and repairs when you need them works out cheaper than taking out boiler cover in most cases.
For many, though, having a policy in place offers peace of mind, as you know you'll be covered if your boiler breaks in the depths of winter and that peace of mind is worth the extra you'll probably end up paying overall. If you've not got enough savings to get your boiler repaired or, in a worst-case scenario, replaced easily, it might be worth considering to keep your home warm if the worst happens.
