LAST REVIEWED: JUNE 2026
Domestic and General boiler cover scores 58/100 on the KT Score. D&G offers boiler breakdown cover including parts, labour and call-out costs, with annual boiler service included in its standard plans. The product competes directly with British Gas HomeCare, HomeServe and energy supplier boiler cover products. D&G's boiler cover is not its strongest product relative to competitors; British Gas HomeCare has a larger directly employed engineer network and HomeServe specialises in home emergency and plumbing cover. D&G's boiler cover is strongest for households that already have D&G appliance protection plans and want to consolidate their home cover with a single provider.
What D&G boiler cover includes
D&G boiler cover plans include breakdown repair of the boiler, covering parts and labour costs. There is no call-out charge on standard D&G plans. An annual boiler service is included, which is the minimum recommended maintenance for gas boilers and is required to maintain the validity of most boiler manufacturer warranties. The service is carried out by a Gas Safe registered engineer.
Central heating cover, extending the plan to include radiators, pipework and controls, is available on higher-tier D&G boiler plans or as an add-on to standard boiler cover. Standard boiler-only cover does not include radiator or pipework repairs. A household with aged central heating infrastructure should consider whether boiler-only cover is sufficient or whether the additional central heating cover is warranted.
If the boiler cannot be economically repaired, D&G will contribute toward the cost of a replacement boiler. The replacement contribution is specified in the plan terms and may not cover the full cost of a new boiler installation, which typically ranges from £2,000 to £4,000 for a standard combi boiler replacement. Policyholders should confirm the maximum replacement contribution before purchasing.
Annual boiler service: what is included
The annual boiler service included in D&G plans is carried out by a Gas Safe registered engineer and covers the standard service checks required to maintain the boiler in safe operating condition and validate the manufacturer warranty. The service includes visual inspection of the boiler and flue, combustion analysis, safety checks on gas pressure and controls, and cleaning of accessible components.
The annual service does not cover repairs to faults identified during the service; these are covered separately under the breakdown element of the plan if the faults constitute a mechanical or electrical breakdown. Normal wear items identified during service are typically excluded and require separate repair at the householder's cost.
D&G boiler cover vs British Gas HomeCare
| Feature | D&G Boiler Cover | British Gas HomeCare | HomeServe |
|---|---|---|---|
| KT Score | 58 | 61 | 57 |
| Annual service | Included | Included | Not standard |
| Engineer network | Third-party Gas Safe | Directly employed | Third-party |
| Central heating cover | Add-on | Standard on higher tiers | Separate product |
| Appliance cover bundle | Yes (D&G plans) | Limited | No |
British Gas HomeCare's directly employed engineer network gives it a response time and consistency advantage over D&G's third-party Gas Safe network for boiler cover. For households that prioritise speed of response and consistent engineer quality, British Gas HomeCare is the stronger product. For households that already use D&G for appliance cover and want a single provider, D&G's boiler cover bundles more conveniently.
Landlord boiler cover
D&G boiler cover is available for landlords as well as owner-occupiers. Landlords have a legal obligation under the Gas Safety (Installation and Use) Regulations 1998 to ensure gas appliances in rented properties are inspected annually by a Gas Safe registered engineer and to provide tenants with a copy of the gas safety certificate. A D&G boiler plan that includes an annual service satisfies the annual inspection requirement, providing the landlord with both the safety compliance documentation and breakdown cover under one plan. Landlords managing multiple properties should compare the cost of individual D&G plans per property against block landlord boiler cover policies available through specialist landlord insurance providers.
Disclaimer: This review is produced by Kael Tripton Ltd for informational purposes only. It does not constitute financial advice. Kael Tripton Ltd is not FCA authorised. Company No. 17177071, ICO ZC135439.
Frequently asked questions
Does D&G boiler cover include an annual service?
Yes. D&G's standard boiler cover plans include an annual boiler service carried out by a Gas Safe registered engineer. The service covers the checks required to maintain the boiler in safe operating condition and to validate the manufacturer warranty where applicable. The service should be booked through D&G's service booking system rather than arranged independently.
Does D&G boiler cover include central heating?
Central heating cover, including radiators, pipework and controls, is available as an add-on to D&G's standard boiler cover or is included in higher-tier plans. Standard boiler-only plans cover the boiler unit but do not extend to the central heating system. Households with older central heating infrastructure where radiator or pipework issues are possible should confirm the central heating cover position before purchasing.
How quickly does D&G respond to a boiler breakdown?
D&G targets engineer attendance within 24 hours for boiler breakdowns during heating season. Response times depend on engineer availability in the local area and the volume of concurrent claims. D&G uses a third-party Gas Safe engineer network rather than directly employed engineers, which means response times can be less consistent than providers with directly employed networks such as British Gas. Emergency attendance for a complete loss of heating or hot water is prioritised over routine repair bookings.
Is D&G boiler cover worth it compared to British Gas HomeCare?
For households that prioritise boiler cover as a standalone product, British Gas HomeCare's directly employed engineer network and longer market track record give it a narrow advantage over D&G for most risk profiles. D&G boiler cover becomes more competitive for households that already use D&G for appliance protection plans and want to consolidate home cover with a single provider. The convenience of one provider and one monthly payment has genuine value for households managing multiple cover products.
