Flexible boiler cover, built around your home

What is flexible boiler cover?

Flexible boiler cover means cover you can shape around your home instead of a fixed tier. With Smart Plan you build your own plan from 7 modules, pay only for what you pick, and it runs as a monthly rolling service plan. You get a 14-day cooling-off period when you join. This is a service plan, not insurance.

A lot of boiler cover is sold as fixed, tiered bundles — you pick a package and take whatever it happens to include. Smart Plan works the other way round: you start with boiler and central heating, then add only the extra modules you actually want. That modular build is what "flexible" really means here — you're not paying for cover you'll never use.

Last updated: 2 July 2026.

Key facts

The points that matter, in plain English:

• Build your own plan from 7 modules — pay only for what you pick
• Monthly rolling service plan with a 14-day cooling-off period (the cooling-off period ends if a service is carried out in those 14 days)
• Once you use a service, a 12-month agreement period begins. If you leave during it, you pay the remaining monthly payments, or 75% of the outstanding balance as a one-off payment
• Parts and labour included up to your cover limit: boiler and central heating up to £500 for boilers under 7 years old, but only up to £200 for boilers 7 years or older; £225 per appliance; up to £500 on the other modules
• A £95 call-out fee applies in defined cases — including during the first 30 days of a new agreement — which we set out clearly below
• Exclusions apply and are listed in our terms and conditions
• Call-outs are Monday to Friday, 08:00 to 18:00, unless it's a genuine emergency breakdown
• From UK Boiler Company Ltd, trading since 2014, with over 15,000 customers

How the module builder works

You build a flexible plan by choosing modules, and your monthly price reflects only the modules you pick. Start with boiler and central heating, then add any of plumbing, drainage, electrical, appliance, pest or home security. Nothing is bundled in that you don't want, so you don't pay for cover you'll never use.

Parts and labour are included up to the cover limit on each module you choose, for each 12-month period. When something covered goes wrong, we arrange a vetted, Gas Safe registered engineer to come and fix it for you.

Building your plan, step by step

Here's the flow from picking modules to getting a repair:

• Step 1 — Choose your modules. Start with boiler and central heating, then add any of plumbing, drainage, electrical, appliance, pest or home security.
• Step 2 — See your monthly price update as you add or remove modules, so you only ever pay for what you've picked.
• Step 3 — Join online and set up your monthly payment.
• Step 4 — When something covered goes wrong, request a repair and we'll arrange a vetted, Gas Safe registered engineer to come and put it right up to your cover limit.

The 7 modules and their cover limits

How call-outs and costs work

We believe in being upfront about costs. A £95 call-out fee, paid in advance before an engineer attends, applies in defined cases: during the first 30 days of a new agreement; where the issue falls under an exclusion; where our engineer can't get access to your property; and where you request an early annual service. This matters if you join because your boiler is broken now: a call-out in the first 30 days carries the £95 fee even when the fault itself is covered. Outside those defined cases, it isn't charged on a routine call-out for a covered fault. Your price for the cover itself is quoted when you build your plan.

Cover is limited to your cover limit on each module, and some issues fall under exclusions. The full list of exclusions is set out in our terms and conditions, so it's worth reading them before you join.

Call-outs under your cover plan are carried out Monday to Friday between 08:00 and 18:00, unless it's a genuine emergency breakdown. We'll arrange a vetted, Gas Safe registered engineer to attend.

If you ever smell gas or suspect carbon monoxide, treat it as an emergency. Call the National Gas Emergency Service on 0800 111 999 straight away, and always use a Gas Safe registered engineer for any work on your boiler or gas appliances. Never attempt gas repairs yourself.

Is monthly boiler cover a 12-month contract?

Monthly billing isn't the same as being free to leave whenever you like. A lot of boiler cover is billed monthly but still runs on a 12-month term, so paying month by month doesn't always mean you can change your mind month by month. We'd rather be plain about how Smart Plan works, small print and all.

Smart Plan's small print, in full

Smart Plan starts as a monthly rolling service plan you build from modules. But once you actually use a service, a 12-month agreement period begins. If you leave during that period, you'll need to pay the remaining monthly payments, or 75% of the outstanding balance as a one-off payment. So while you can join and pay month by month, using the cover does commit you for the following 12 months — it isn't a case of walking away the moment you've had a repair.

If your boiler is broken today, read this first

If you join because your boiler is broken now and use a service in your first 14 days, three things happen at once: the 14-day cooling-off period ends, the 12-month agreement period begins (with the 75% early-exit charge), and a call-out in the first 30 days carries the £95 fee. None of that means you shouldn't join — but you should know all three apply before you act.

Can I pay for cover monthly?

Yes. Smart Plan is billed monthly as a rolling service plan, and you only pay for the modules you pick. There are no fixed tiers you have to buy into, so your monthly payment reflects your own choices rather than a one-size-fits-all bundle.

When you first join, you have a 14-day cooling-off period. That cooling-off period ends if a service is carried out during those 14 days. After that, the plan continues month by month — but once you've used a service, a 12-month agreement period applies, and leaving during it means paying the remaining monthly payments or 75% of the outstanding balance. Our terms and conditions set all of this out in full.

Is flexible cover the same as boiler insurance?

A service plan is not the same as boiler insurance. A service plan like Smart Plan is ongoing maintenance and repair cover you build from modules and pay for monthly. Unlike boiler insurance, which is usually sold as a fixed 12-month term, Smart Plan is a service plan, not insurance.

Smart Plan is provided by UK Boiler Company Ltd (company number 09078640), which has been trading since 2014 and now looks after over 15,000 customers. It's a membership with cover you've chosen — and when something covered goes wrong, we'll come and fix it for you up to your cover limit.

Flexible boiler cover questions, answered

Build your flexible plan

Pick your modules, see your monthly price, and only pay for the cover you want. A monthly rolling service plan from UK Boiler Company Ltd — not insurance. Once you use a service, a 12-month agreement period begins (with a 75% early-exit charge).

Related cover and links

• Boiler & central heating cover
• All 7 cover modules
• Terms and conditions
• Build your plan
• Gas Safe Register — find a registered engineer
• National Gas Emergency Service (0800 111 999)
• UK Boiler Company Ltd on Companies House