Smart Cover Logo

Call Us

03333 449 559

Here When Your Home Needs Us Most

Smart Cover was built by insurance professionals who believed UK homeowners deserved better, with faster response times, fairer pricing, and a company that actually picks up the phone. That belief still drives everything we do.

Get a Free Quote Read Our Story
10+
Years FCA authorised & trading
24/7
UK-based emergency support
4.3★
Reviews.io customer rating
Coverage
UK Nationwide Engineers

Our Story · Est. 2013

Built on a belief that home protection should be clear and dependable

2013Year Founded
20+Years Combined Experience
4.3★Customer Rating
727+Verified Reviews

Smart Cover was founded in 2013 by a group of insurance professionals whose combined experience spanned more than 20 years across the UK home protection sector. They had seen how parts of the industry could feel frustrating for customers, from slow callouts and confusing exclusions to prices that could rise at renewal without a clear explanation. They set out to do things differently.

The business began as Smart Cover Insurance Services, trading as Smart-Cover Direct Limited. The idea was straightforward: flexible, modular cover at fair prices, supported by a network of engineers you can rely on. That meant building a nationwide network of vetted tradespeople, investing in UK-based customer support available around the clock, and offering a Price Match Promise, subject to its terms.

More than a decade on, Smart Cover is a trading name of Smart-Cover Direct Limited (FRN 600428), an Appointed Representative of City and Commercial Limited, which is authorised and regulated by the Financial Conduct Authority. Smart Cover has thousands of verified customer reviews, reflecting its commitment to customer service. The approach has stayed the same: help get the right engineer to your door promptly, at a fair price.

Today, Smart Cover offers cover for homeowners, landlords, and motorists across a range of product categories, from boiler breakdown and appliance insurance to motor breakdown cover. You can manage your account in one place, online or through the Smart Cover app.

Our Journey

A decade of protecting UK homes

From a single product to a full-service home protection platform - here are the milestones that shaped Smart Cover into what it is today.

Our Coverage Today

Home Emergency Cover from £7.90/month
Appliance Insurance from £8.49/month
Landlord Cover from £10.90/month
Motor Breakdown Get a quote
Compare All Plans
2013
Smart Cover is founded
Established by experienced insurance professionals in response to a market failing UK homeowners. FCA authorisation secured from launch (FRN 600428). Home emergency cover becomes the flagship product.
2015
Appliance insurance launches
Smart Cover expands into appliance insurance, covering washing machines, dishwashers, ovens, and fridge-freezers - responding to customers asking for protection beyond their boiler.
2017
Landlord cover introduced
A dedicated landlord home emergency product launches, addressing the specific needs of buy-to-let owners: emergency fixes, tenant accommodation cover, and portfolio pricing.
2019
Motor breakdown cover added
Smart Cover completes its home-to-road protection offering with motor breakdown cover for cars, vans, taxis, motorcycles, motorhomes, and classic vehicles.
2022
Smart Cover mobile app launches
iOS and Android apps launch, enabling customers to raise claims, track engineers in real time, and manage policies from their phone. The app is rated highly on both app stores.
2024
Featured on MoneySuperMarket & GoCompare
Smart Cover products appear on major UK price comparison platforms, bringing affordable, FCA-regulated cover to millions more homeowners researching home emergency insurance.
2026
Trusted by customers across the UK
Smart Cover continues to receive verified customer reviews on Trustpilot, reflecting a decade of delivering prompt support, reliable service, and fair pricing.

Our Values

The principles that guide every decision we make

These are not marketing statements, they're the standards we hold ourselves to on every callout, every claim, and every renewal conversation.

Innovation in Protection

From our modular plan builder to the Smart Cover app, we continuously evolve what home insurance looks like. The traditional one-size policy is being replaced by cover that actually fits your home and your life.

Genuine Reliability

When you call us in an emergency, you need someone who answers immediately and dispatches help within the hour - not automated menus and next-week appointments. We've built our engineer network and support model around one standard: show up when it counts.

Fair, Transparent Pricing

Our plans start from £7.90/month because we believe home protection should be accessible to all UK households, not just those who can afford a premium. No hidden fees, no shock renewals, no lock-in that traps you. We offer a Price Match Promise because we're confident in our value.

Regulatory Integrity

FCA authorisation (FRN 600428) is not just a badge - it's a commitment to treating every customer fairly under UK financial regulation. We maintain a clean regulatory record and operate under the FCA's Consumer Duty framework, meaning your outcomes are our legal obligation.

Customer Care

Every phone call, every claim, every policy question is handled by our expert customer care team, who are trained to understand your emergencies better, and we know how to help.

Long-Term Partnership

We earn your trust renewal by renewal - not through lock-in contracts. Our Price Match Promise at renewal means the price you pay reflects the market, not our margins. We'd rather you stay because you love the service than because you forgot to cancel.

What You Get When You Sign Up

Everything your home needs - from day one

Signing up with Smart Cover takes under 5 minutes online. The moment your policy is confirmed, you're protected - and our team is ready to respond.

Start Your Quote

Instant Coverage

Your policy activates the moment you complete your purchase. No waiting periods, no surveys, no site visits before cover begins.

Get covered now

24/7 Emergency Line

Your emergency number activates immediately. Call any time - midnight on Christmas Day, or a Sunday bank holiday morning - and a UK agent picks up.

03333 449 559

Digital Policy Documents

Your policy schedule, IPID, and terms and conditions are emailed instantly and stored in your online account - no paper, no post.

Manage your account

Unlimited Annual Claims

Most Smart Cover plans carry unlimited annual claims. If your boiler breaks down four times in a year, you're covered every single time.

See all benefits

No Lock-In, Cancel Anytime

Cancel your policy at any time with no penalty. Full refund within 14 days, pro-rata refund thereafter. Your choice, always.

Refund policy

Nationwide Engineer Network

From central London to rural Scotland, our vetted engineers cover the entire UK. Average on-site time: 60 minutes from your call.

Home emergency cover

Price Match at Renewal

We guarantee to match any genuine like-for-like quote at renewal. Stable pricing means the cover you started with stays affordable.

Price Match Promise

Smart Cover App Access

Download the free iOS or Android app to manage your policy, raise a claim in seconds, and track your engineer with live updates.

Smart Cover home emergency insurance - boiler, plumbing, electrical, and pest cover

Full Home Protection

From boiler to electrics - we've got it covered

What We Protect

Cover for a range of home and motor needs in one place

Smart Cover is one of the few UK insurance intermediaries to offer home emergency, appliance, landlord, and motor breakdown cover under a single account.

Boiler & Central Heating Breakdown

Emergency engineer dispatch for boiler failure, central heating faults, and radiator problems. Up to £500 per claim, unlimited annual claims on most plans.

Plumbing & Drainage

Burst pipes, blocked drains, loss of water supply, and internal plumbing failures - all covered under our plumbing and drainage add-on.

Electrical Failure

Complete failure of your home's electrical supply covered under home emergency insurance - a qualified electrician dispatched to restore power safely.

Kitchen Appliances

Washing machines, ovens, dishwashers, fridge-freezers, tumble dryers - appliance insurance covering mechanical breakdown, electrical faults, and accidental damage.

Motor Breakdown

24/7 roadside assistance for cars, vans, taxis, motorcycles, motorhomes, and classic vehicles - with 60-minute average call-out time across the UK.

Customer Reviews

What our customers say about us

See all reviews
★★★★★

"Great experience, very quick service from initial contact with smartcover to the engineer’s arrival within two days. The job was sorted in one visit. Thank you Katherine Hayes the claims handler who managed to arrange a quick appointment and kept me up to date."

RM
Roger Martin
Trustpilot · Verified customer
★★★★★

"Handled promptly and efficiently and were adaptable to suggestions. My dealings were with Katherine Hayes who kept me informed and updated me on progress regularly, by email and by phone. When I recommended an alternative arrangement she was happy to suggest this to the insurer and this was acceptable to them. A satisfying outcome"

RN
Robin
Trustpilot · Verified customer
★★★★★

"We contacted Smart Cover to have our boiler serviced as per our maintenance contract and received a phone call the same day offering us service dates that week. The service, arranged by James Peter was carried out quickly & efficiently on the agreed morning. "

TW
Terry Woolley
Trustpilot · Verified customer
1

Choose your cover

Use our online builder to select the products that fit your home, including home emergency, appliance, landlord, and motor cover.

2

Get an instant quote

Our quote engine returns a price in seconds. No adviser appointments or lengthy fact-finds, just a clear monthly or annual price.

3

Pay securely online

Pay by card or set up a monthly direct debit. FCA-regulated checkout with 256-bit encryption. Annual billing available at a small saving.

4

You're covered - call any time

Policy documents arrive by email within a short period of time. Save the 24/7 helpline number. The next time something breaks, we're ready to help.

1

Choose your cover

Use our online builder to select the products that fit your home, including home emergency, appliance, landlord, and motor cover.

2

Get an instant quote

Our quote engine returns a price in seconds. No adviser appointments or lengthy fact-finds, just a clear monthly or annual price.

3

Pay securely online

Pay by card or set up a monthly direct debit. FCA-regulated checkout with 256-bit encryption. Annual billing available at a small saving.

4

You're covered - call any time

Policy documents arrive by email within a short period of time. Save the 24/7 helpline number. The next time something breaks, we're ready to help.