Had an interesting discussion with a boiler engineer the other day (I was "babysitting" him in a neighbour's house because he wasn't allowed to work alone). I happened to overhear the phone conversation he had with the neighbour, the gist of which was that something or another had failed due to corrosion (he was holding a flat rectangular box with two pairs of pipe connectors) and that it wasn't covered by her insurance. Not only that, but she would need a power flush before the next service. I asked him which side of "the box" had failed, and he shrugged his shoulders. I said that, in my opinion (worthless, but he didn't know that), the hot water side was more likely to be scaled. Made him a cuppa and he agreed not to charge the customer. No skin off his nose etc.
Moral of this is, boiler insurance is probably a good deal these days (cost of parts is the killer), but make sure it covers "scale damage". Too many wriggle-out options otherwise.