Smart Cover provides cover for a wide-range of insurance products as well as high-quality customer service.
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Protect the household appliances you can't do without from unexpected breakdown and everyday faults.
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Assistance towards emergency repair costs for your boiler, heating, plumbing and electrics, so unexpected breakdowns don't catch you out.
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Helping landlords stay prepared for unforeseen emergencies at their rental property, however and whenever they happen
Get a quote Smart Cover provides comprehensive, competitively priced insurance for UK homeowners, tenants, landlords, and motorists - with 24/7 support and a Price Match Promise on every policy.
24/7 protection against the most costly home emergencies - boiler breakdowns, burst pipes, blocked drains, complete electrical failure, loss of keys, and pest infestation. A qualified UK engineer dispatched in 60 minutes.
Protect your washing machine, fridge freezer, dishwasher, oven, tumble dryer, and more against mechanical breakdown, electrical faults, and accidental damage. Add multiple appliances under one policy and save up to 30%.
Emergency cover for rental properties protecting landlords and tenants against boiler breakdown, plumbing emergencies, electrical failure, external locks, pest infestation including emergency alternative accommodation.
Roadside assistance and motor breakdown cover for cars, vans, taxis, motorhomes, classic cars, and motorcycles. Average 60-minute call-out. Available 24/7, 365 days a year, anywhere in the UK.
Smart Cover is a trading name of Smart-Cover Direct Limited - an FCA-authorised insurance intermediary (FRN 600428) with over 20 years of collective industry experience. Competitive premiums, streamlined claims, and a UK-based support team make Smart Cover a trusted choice for thousands of UK homeowners and landlords.
Expert claim handlers and a UK-wide engineer network mean your problem is resolved fast.
Find the same cover cheaper within 14 days? We'll match it and refund the difference.
Our claims line is open every day of the year. Home emergencies don't keep office hours.
A vetted network of UK engineers ready to attend your home when you need assistance.
Regulated by the Financial Conduct Authority (FRN 600428). Your interests are always protected.
Manage your policy, submit claims, and access support 24/7 on iOS and Android.
Regular servicing helps keep your boiler running well and lowers the chance of breakdowns and unexpected repair costs.
The price you see is the price you pay, with no hidden charges added along the way.
We always strive to deliver the best cover, service and value for all our customers. See how Smart Cover measures up against the UK's biggest home cover providers.
 |  |  |  |  | |
|---|---|---|---|---|---|
| Trustpilot | 4.2 | 4.4 | 4.6 | 4.6 | 4.7 |
| Home security 1 | |||||
| 24/7 claims line | |||||
| Price match promise2 | |||||
| Pest control3 | |||||
| Unlimited callouts | |||||
| Same price for new customer4 | |||||
| 12-month guarantee on completed repairs | |||||
| FCA Authorised | |||||
| Appliance cover Plans5 | |||||
| Motor breakdown cover6 |
Information in this table is based on a comparison of Smart Cover, British Gas HomeCare, HomeServe, 247 Home Rescue and Hometree, using publicly available information 2025/2026. Prices and cover may vary. Check the provider's current terms before purchasing. Smart Cover is a trading style of Smart-Cover Direct Limited, FCA FRN 600428.
Visit this page for more details.
Thousands of UK homeowners, tenants and landlords trust Smart Cover. Here's what they say about the service, claims handling and engineer quality.
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Read ArticleEverything you need to know about Smart Cover's insurance products, pricing, and claims process.
Smart Cover home emergency insurance is designed to help with a range of household emergencies. Depending on the plan you choose, cover can include boiler breakdown, central heating failure, and plumbing and drainage emergencies such as burst pipes and blocked drains. It can also cover complete electrical breakdown within the property, pest infestation, and loss of keys.
Support is available 24/7, and plans start from £7.90 a month. Most plans offer up to £500 per claim, with unlimited claims each year.
What's included, along with any limits and exclusions, depends on the plan and the terms of your policy. It's worth reading your policy documents so you're clear on what is and isn't covered before you buy.
Prices depend on the type of cover you choose and the details of your policy. As a guide, here's where cover typically starts:
If you insure multiple appliances together, you may be eligible for multi-appliance discounts of up to 30%.
The price you pay reflects the cover you select, so it's worth reviewing the plan details and full terms before you buy.
Yes. Smart Cover is a trading name of Smart-Cover Direct Limited (FRN 600428), which is an Appointed Representative of City and Commercial Limited (FRN 314346). City and Commercial Limited is authorised and regulated by the Financial Conduct Authority.
You can start a claim in whichever way suits you best:
For a valid home emergency claim, Smart Cover aims to send a qualified engineer as soon as possible. This is a target, not a guarantee, as response times may vary depending on your location, engineer availability, and demand.
Having your policy details to hand can help us process your claim more quickly. What you can claim for is subject to the limits, exclusions, and terms set out in your policy.
Yes. If you find the same level of cover elsewhere at a lower price, Smart Cover's Price Match Promise means we'll aim to match the competitor's UK price, subject to our terms and conditions.
To request a price match, email enquiries@smart-cover.co.uk with the name of the other provider, details of the cover, and the price you've been quoted. We'll review the information and confirm the outcome with you.
The policy being compared must be on a like-for-like basis, and the competitor must be FCA authorised. The Price Match Promise is subject to our full terms and conditions.
Smart Cover offers appliance insurance for a wide range of household appliances, including:
Cover is available for many major brands, including Bosch, Samsung, Hotpoint, Indesit, LG, AEG, Beko, and Zanussi. If you're insuring multiple appliances, you may be eligible for a multi-appliance discount of up to 30%.
What's included, along with any limits and exclusions, depends on the plan and your policy terms. It's a good idea to check the full terms so you're clear on what is and isn't covered before you buy.
Yes. Smart Cover's claims and emergency line is available 24 hours a day, 7 days a week, 365 days a year, so you can report an emergency whenever it happens.
For home emergency claims, Smart Cover aims to arrange for a qualified UK engineer to attend as soon as possible. This is a target rather than a guarantee, as response times depend on factors such as your location, engineer availability, and demand at the time.
What you can claim for, along with any limits and exclusions, depends on your plan and your policy terms.
There are several ways to get in touch with Smart Cover, so you can choose whichever suits you best:
Phone: 03333 449 559
Email: enquiries@smart-cover.co.uk
Website: smart-cover.co.uk/contact-us
You can also use the Smart Cover app, available on iOS and Android, for 24/7 access to claims and account management.
Availability may vary depending on the type of enquiry and the time you get in touch. Where your question relates to a claim or your cover, it's worth having your policy details to hand and checking your policy terms, as these set out what applies to you.
