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OVO 1 Year Fixed Plus Boiler Cover combines a twelve-month fixed energy tariff with a separate boiler and home-heating insurance policy. The current offer reduces the energy standing charges by a total of ยฃ100 over the first year compared with OVO's ordinary 1 Year Fixed tariff. Customers can select from OVO's Essentials, Starter or Complete boiler-cover levels, subject to the options available during the quotation. The package may appeal to a homeowner who wants fixed electricity and gas prices together with an annual boiler service and emergency repair support. It should still be compared carefully with buying a standard energy tariff and boiler cover separately. This guide was checked on 11 July 2026.
The energy part fixes the unit rates and daily standing charges for twelve months. A unit rate is charged for every kilowatt hour of electricity or gas used. The standing charge is applied each day regardless of consumption. OVO's current promotion states that the combined tariff reduces the customer's standing charges by ยฃ100 across the year compared with its current standard 1 Year Fixed tariff. The saving does not come from receiving ยฃ100 in cash, nor does it mean the boiler cover itself costs ยฃ100 less. It is delivered through the energy-pricing structure. The precise electricity and gas prices depend on the property, electricity distribution region, meter type and quotation date. OVO does not publish one universal national rate for every customer. The fixed prices protect the household from ordinary tariff increases during the contract. They do not fix the total bill. A customer who uses more gas during a cold winter will still pay more because additional units are being consumed.
Although the products are presented as a bundle, the energy tariff and boiler cover are legally separate agreements. The electricity or gas contract is supplied under OVO's energy terms. The boiler cover is an insurance product with its own eligibility conditions, exclusions, claims process, renewal arrangements and cancellation rules. Some versions require separate Direct Debits for energy and insurance. This distinction matters if the customer cancels one part of the package. OVO's published bundle terms state that customers must apply for the fixed tariff and boiler cover together to receive the bundle pricing. Adding boiler cover after joining an ordinary fixed tariff may not qualify for the same offer. Depending on the version accepted, cancelling the cover can also end eligibility for the linked energy tariff. OVO's Complete Cover bundle terms say that a customer cancelling the insurance can be moved to Standard Variable unless another available tariff is selected. Customers should therefore retain both sets of contract documents.
OVO currently offers Essentials, Starter and Complete cover. Essentials covers the boiler and central-heating system and includes an annual boiler service. Starter includes the Essentials benefits and adds plumbing and electrical cover. Complete adds wider protection, including qualifying boiler replacement, gas and water supply pipes, internal and external drains, taps and toilets, and access to a priority helpline. All three levels currently advertise unlimited call-outs, access to Gas Safe registered engineers and a 24-hour emergency helpline. The annual service is described by OVO as being worth ยฃ84. Unlimited call-outs do not mean that every possible fault is covered. Claims remain subject to the policy wording, excess, eligibility rules and exclusions.
OVO currently allows customers to choose between different excess levels on its boiler-cover products, including ยฃ0, ยฃ60 and ยฃ95 options. A higher excess generally reduces the monthly premium, while a lower excess generally increases it. The excess is the amount the customer contributes towards a completed repair claim. For example, a policy with a ยฃ95 excess could require the customer to pay ยฃ95 when an eligible repair is completed. Several unrelated faults could potentially result in more than one excess, depending on the policy terms. The lowest monthly premium is not always the cheapest overall choice. A household with an older boiler or a history of heating faults may prefer a lower excess, while someone with a newer boiler may accept a higher excess in exchange for lower monthly payments. The quotation should be assessed using: The annual insurance premium The claim excess The scope of cover The annual service value Any promotional discount The energy-tariff saving
OVO states that claims cannot normally be made during the first 30 days of a new boiler-cover policy. This waiting period prevents the insurance from being used immediately for a fault that already existed before the policy began. The cover should therefore not be treated as an emergency solution for a boiler that is already broken, leaking or showing a known fault. Existing problems, inadequate maintenance, sludge, scale, unsuitable installations and faults that pre-date the policy may be excluded under the detailed terms. The customer should disclose relevant information accurately during the application.
Eligibility depends on the exact bundle and cover version. OVO's published Complete Cover terms require the customer to own and live in the property, which must be located in mainland United Kingdom. The boiler must be a mains-gas domestic boiler meeting the relevant age, condition and serviceability requirements. That version is not available to tenants or landlords. The same terms require an existing OVO dual-fuel account paid by monthly Direct Debit, although the eligibility for other current boiler-cover bundle versions may differ. Customers must follow the rules shown during their own quotation rather than assuming every version has identical conditions. OVO may also require the property to have smart meters or the customer to agree to their installation. Older boilers may qualify for repair cover but have restricted replacement benefits. OVO's current Complete policy information says that a boiler under seven years old at the initial policy start date may qualify for replacement support of up to ยฃ2,500, provided it remains under ten years old at renewal. A boiler aged seven or more but under ten at the initial start date may qualify for a ยฃ400 replacement contribution instead. Full conditions apply.
An annual boiler service is included across OVO's current cover levels. During a service, the engineer inspects the boiler, operates it to identify faults, checks the flue and ventilation, and checks or adjusts system pressure. The customer receives a service summary showing the work completed. A boiler service is preventive maintenance rather than a guarantee that the boiler will not fail. It may identify unsafe operation, pressure problems or deterioration before they develop into a breakdown. It may also help demonstrate that the boiler has been maintained in accordance with the policy requirements. The customer should check when the first service will be arranged. It may not take place immediately after the policy begins.
The fixed energy tariff currently carries an early exit fee of ยฃ50 for each fuel. A dual-fuel customer could therefore face a total energy exit cost of ยฃ100 when leaving before the contract ends. The boiler policy has separate cancellation conditions. Some bundle versions allow the free or discounted insurance to continue after the energy tariff is cancelled, while others may remove the customer's entitlement to the linked energy price if the cover is cancelled first. The exact result depends on the accepted terms. The household should therefore consider both contracts before switching. A cheaper energy tariff elsewhere may not produce a genuine saving once energy exit fees, insurance cancellation charges and replacement boiler-cover costs are included.
The energy tariff ends after its twelve-month fixed period. Unless the customer selects another tariff, OVO can transfer the account to an appropriate variable plan. OVO says it will contact customers before the fixed plan ends and provide information about available options. The boiler-cover policy may have a different start and end date from the energy tariff. OVO warns that the two contract dates may not align. Boiler cover can also renew automatically unless the customer opts out or cancels. The renewal premium may be different from the first-year promotional price. A customer could therefore finish the fixed energy contract but continue paying for boiler cover. The renewal documents should be reviewed separately.
The correct comparison is not simply between the bundle tariff and OVO's ordinary 1 Year Fixed rate. The household should calculate: The annual energy cost under the bundle The ยฃ100 standing-charge reduction The annual boiler-cover premium The chosen excess Any promotional free months Possible claim costs Energy exit fees Insurance cancellation charges The cost of buying similar cover elsewhere The bundle may offer strong value where the customer already intends to purchase comprehensive boiler insurance. It may be less attractive where the boiler is covered by a manufacturer's warranty, home-insurance emergency add-on, landlord agreement or another existing policy. Customers should also check for overlapping cover. Paying twice for similar protection reduces the value of the package.
OVO 1 Year Fixed Plus Boiler Cover is likely to suit a homeowner with a qualifying gas boiler who wants twelve months of fixed energy prices and values having repair support available. It may be particularly useful where the customer wants an annual service, has no other boiler protection and expects to remain with OVO throughout the fixed term. The package may be less suitable for tenants, landlords, homes without a qualifying mains-gas boiler or customers likely to switch supplier during the year. It may also provide poor value where the customer already has suitable cover or where a separate energy tariff and insurance product produce a lower combined cost. OVO's ยฃ100 first-year energy saving is useful, but it should not be considered in isolation. The real value depends on the fixed rates, selected cover level, annual insurance premium, excess and the likelihood that the household will use the included services.
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