Help - Heat Ins What is heating insurance? If your heating system breaks down, you could save yourself a small fortune by having heating insurance in place. Having heating insurance will protect you if something happens, like a boiler breakdown, defective thermostat or faulty radiator. And what’s more, there’s plenty of choice in the market to suit different needs – you don’t need to take cover out with your current energy supplier. If you’re unsure about anything, click on one of the topics below to get started. 1. Why do I need heating insurance? 2. What does heating cover include? 3. How do I choose a heat insurance policy? 4. Do I need to get cover from my current energy supplier?