Over a quarter of UK boilers are estimated to be uninsured, with the average cost of repair £314, according to research conducted on behalf of EDF Energy.
It found that two-fifths of people said they would have to borrow money to cover the repair cost or go without heating if their boiler broke down.
Ten percent of respondents revealed their boiler had never been serviced, and 25% were unaware of when their last service was.
According to Gas Safe Register, all gas appliances – including gas boilers, gas cookers and gas fires – should be safety checked once a year and serviced.
As opposed to a gas safety check, which assesses the basic safety of a gas appliance, a service consists of a full check.
The engineer is likely to take the appliance apart to inspect it and assess the physical condition of the appliance, installation pipework, air vents and any flues for deterioration.
They will also carry out performance tests and take any necessary remedial action.
A worrying 13% of respondents said they weren’t aware of whether or not their boiler was insured, and 31% did not know a registered plumber who could help them if their boiler broke down.
The research also found that 63% of people aged between 18 and 34 do not know how to check the pressure on their boiler.