Is this any help?
heatgeek.com/british-gas-vs-homeserve-boiler-cover/
Expensive I would say. If you can afford to "self-insure" my instinct would be to do so. I rarely buy extended warranties for the same reasoning.
My heating system for 20 years was a bit flaky to start with but apart from half a dozen boiler services I only spent maybe £1200 on it, including replacing a few valve motors. Most of it related to sludge and that wouldn't have been covered.
If your concern is less about cost that being able to get somebody out quickly, can you get basic home emergency cover? It used to be widely available but I haven't seen it advertised for a while. Is there an add-on option under your house insurance policy?
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