The British Gas opinion is slightly unfortunate...my son is a BG engineer
But...I've heard horror stories about I ndependents trying to oversell, condemn boilers etc..BG will provide you with a very comprehensive care plan, but it comes at a cost.
Friend of mine had boiler problems circa 12 years ago, it was noisy. Independent company wanted to tear it all out and start again. I convinced her to get it serviced, new pump....its still going now.
Equally BG isnt stupid. They wont take on service contracts with old boilers that are hard to get parts for...why would they, it's just not good business. Equally, they only fit good boilers, reliable ones they wont have to keep coming back to...good business sense that does trickle back to the customer.
Equally an independent may well fit the cheapest boiler they can because they're probably not coming back...and cheapest certainly isnt best.
None of the above is concrete in outcomes, you pays your money....
My advice to anyone who is thinking about a new boiler..do the homrework on reliability etc...anyone trying to sell you one, cheap or expensive, will praise it....but you're only taking their word for it.