Standard Home Insurance
Standard building and contents insurance policies typically do not cover the cost of repairing or replacing a heat pump that breaks down through mechanical or electrical failure. They may cover accidental damage, vandalism, or loss — but not standard breakdown.
What Heat Pump Cover Plans Provide
A dedicated heat pump cover plan (£15–£30/month) typically covers:
- Annual service visit
- Callout fees
- Labour for covered repairs
- Parts up to a specified limit
This is the appropriate protection for heat pump breakdown.
Manufacturer Warranty
New heat pump installations come with a manufacturer warranty, typically 2–5 years standard. Many brands offer extended warranties (up to 7–10 years) if registered within 30 days of installation. The warranty covers manufacturing defects but not wear-and-tear failures after the warranty period.
Our Recommendation
Keep your manufacturer warranty active by ensuring annual servicing by a qualified engineer. Once out of warranty, consider a comprehensive cover plan. UK Heat Pump Servicing offers plans from £19/month including annual service and breakdown cover.
Sources: MCS certification and Ofgem's BUS guidance.
