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.
Our Story · Est. 2013
Built on a belief that home protection should be clear and dependable
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
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.
Quick, Simple Setup
Buy online in minutes, with no surveys or home visits needed. A short waiting period or higher early excess may apply, depending on your cover. Check your policy documents for details.
Get covered now24/7 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 247Digital Policy Documents
Your policy schedule, IPID and terms and conditions are emailed to you after purchase and kept in your online account, so there's no paper or post.
Manage your accountUnlimited Annual Claims
Most Smart Cover plans have no limit on the number of claims you can make each year. Each claim is covered up to your plan's per-claim limit, subject to your policy terms.
See all benefitsNo 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 policyNationwide Engineer Network
Our network of vetted engineers covers mainland England, Wales and Scotland. We aim to arrange attendance as soon as possible, depending on your location and engineer availability.
Home emergency coverPrice Match Promise
Found the same level of cover cheaper from another FCA-authorised provider within 14 days of buying? We'll aim to match it, subject to our Price Match Terms.
Price Match PromiseSmart Cover App Access
Download the free iOS or Android app to manage your policy, start a claim and get updates on its progress.
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
"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."
"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"
"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. "
Getting Started
Set up your cover in around five minutes
No surveys, no waiting lists, no paper forms. Here's how Smart Cover works from the moment you decide to protect your home.
Choose your cover
Use our online builder to select the products that fit your home, including home emergency, appliance, landlord, and motor cover.
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.
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.
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.
No lock-in · Cancel anytime · FCA authorised · From £7.90/month