Run the business

Monthly cover plans, off the spreadsheet at last

They pay you monthly, you service the boiler once a year and turn out when it breaks. Most firms run that on a spreadsheet that cannot tell them what the book is worth. I can.

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Your cover levels

Build the plans you actually sell, with the monthly price and what each one includes, plus add-ons that sit on top.

Who is covered

Every client on a plan and the property it covers, counting down their allowance as the year goes on: 2 of 4 call-outs, and so on.

What the book is worth

Monthly recurring income, how many are still paying a year on, why the others left, and who is due to pay this week.

The number a buyer asks for first

Anyone valuing a heating business looks hard at how many plan customers are still paying twelve months on, and expects 85% or better. Few owners can answer it, because the spreadsheet does not know. The Numbers tab does: what comes in each month, how many stay past a year, and the split between those who chose to leave and those lost to a failed payment. That second group is usually winnable.

Monthly recurring income across everyone paying
Retention twelve months on, the figure buyers ask for
Lost on purpose versus lost to a failed payment

The plan follows the property

Cover is on the boiler at an address, not on a person, which is what a plan actually is. Each customer gets their own page where they agree to their cover and set up a Direct Debit, so the sign-up is not a phone call and a paper mandate.

Cover sits on the property, not the customer record
Customers agree and set up a Direct Debit on their own page
A fourteen day cooling-off window, handled properly

A bounced payment is not the end of their cover

I collect the monthly Direct Debit through GoCardless and raise the invoice against it. When one fails, the cover carries on while I chase it. A homeowner whose boiler packs in the week their payment bounced, and who then finds out they were not covered, is a complaint that costs you far more than the payment did. Most software cancels them the same day or never chases at all. Link your own GoCardless account in Settings and you can build your first plan today, and the help centre walks through it.