What Is Heat Pump Cover?
A heat pump cover plan is a monthly subscription that provides callout cover for heat pump breakdowns, often including parts and labour up to a specified limit. Most plans also include an annual service, making them a convenient all-in-one maintenance solution.
Typical Cover Plan Costs
- Basic cover (callouts only): £12–£18/month
- Standard cover (callouts + labour): £18–£25/month
- Comprehensive cover (callouts + parts + labour + annual service): £22–£35/month
What’s Typically Included
- Unlimited callouts (subject to fair use)
- Parts and labour for covered repairs
- Annual service visit
- 24/7 emergency helpline
Common Exclusions
- Pre-existing faults at the time of taking out cover
- Cosmetic damage
- Repairs arising from poor installation
- Ground source collectors or boreholes (ASHP cover only)
- Repairs exceeding the specified parts limit (e.g., compressor replacement may have a cap)
Is It Worth It?
For a heat pump over 5 years old (outside manufacturer warranty), cover is often good value. A single callout fee (£75–£120) plus a repair could easily exceed the annual cost of a cover plan. For newer systems still under manufacturer warranty, assess whether the cover duplicates existing protection. The included annual service alone is worth £100–£150, making comprehensive cover plans excellent value for most homeowners.
Sources: Microgeneration Certification Scheme and HSE guidance.
