Is it worth getting a boiler breakdown cover?

So is insurance the answer? Not according to consumer group Which?

British Gas charged Joe Brown £350 to fix his hot water cylinder, despite having insurance

But most households do not need to call out an engineer for repairs each year, Which? says. With an annual check-up costing about £60 (£85 in London), householders could have one and still save anything up to £140 a year by not taking out cover. The savings could be set aside for when, and if, something does go wrong. Find out more on This is money website (external link) Don't get trapped into a contract that does nothing for you - if you need an annual check up we only charge £50 or even better for £5 extra will we carry out a safety inspection and issue you a cp12. Or if you are experiencing a Boiler Breakdown we will fix it from £60 including VAT. Find out more.