Boiler cover- dont know where to even start.

bengasman

supremo wrote: »

...I have arranged my gas and elctric direct debit with Scottish Gas and it is only costing me £30 for electric and £35 for Gas per month which seems reasonable.

That is just an estimated dd, it is NOT a quote, nor a final bill. It could turn out to be half that or double that after a year.

supremo wrote: »

They offered me boiler cover, plumbing etc for an additional £27 per month. I accepted this but I have 7 days to change my mind.

Cancel it. You can always sign up later if you want, but if you let the week go by, you are stuck in an expensive contract.
Look around at various offers and read the small print carefully. There are many cases where people paid through the nose for years, and when they finally called on the insurance, they weren't actually covered because the "boiler was too old" or "the fault was due to negligence" or "it was the wrong type of problem" and so on.

supremo wrote: »

Does anyone have any advice on who else offers cover? how much I should be paying. I thought £27 p/m was quite expensive.

Find a reputable local heating engineer, let him service and check over the system, and go on his advice. Stick the money you save on the premium in a savings account, and pay for the maintenance of your system that way.
Apart from a few notoriously unreliable boilers, a system that is up to spec and maintained properly, is quite reliable and unlikely to cost you a lot in repairs.:money:

Yolina

I've never bothered with breakdown cover and use an independent local guy to service the boiler, which is now over 20 years old and working fine still (and I'm hoping it does so for many more years!) so far I've only ever needed a diverter valve changed in the 13 years I've been in the flat, cost less than £100. I do however have savings so repairs or, when needed eventually, a replacement won't be an issue. I have a couple of cheap electric fan heaters stored in a cupboard should the thing pack up in the middle of winter.