BG Homecare - Is it worth it?

[JimM169]

Just moved into a new property and for the first time ever I'm actually thinking about maintaining our boiler and CH system (in the old house we had a new boiler installed and then never got round to servicing it !) It's a relatively new system installed in 2011, sealed mains pressure HW, Valiant boiler, dual thermostats (not sure how that works??). The obvious choice would be to go with BG Homecare and at £14.50/mth with £50 excess it seems reasonable, as we'd get an annual service at least, but are these insurance policies generally considered worthwhile?