Appliance insurance cover for
all your home appliances, on one simple policy

Smart Cover appliance insurance starts from 28p a day. Covering 3 or more appliances saves 20%, 5 or more saves 25% and 7 or more saves 30%. With our current offer, you can protect 5 appliances for the price of 4, from £23.99 a month. Your exact price depends on the appliance's type, brand, age and value.

It can be worth it if you rely on an appliance daily and a repair or replacement bill would be hard to absorb. For comparison, a one-off appliance repair visit from British Gas starts from £125, while Smart Cover starts from 28p a day, with parts, labour and call-outs included up to £500 per claim. An excess may apply, and cover is subject to the policy terms and exclusions.

Smart Cover appliance insurance cover pays for repairs after a mechanical or electrical breakdown, and accidental damage where shown on your Certificate of Insurance, up to £500 per claim, with unlimited claims. It does not cover wear and tear, rust or corrosion, pre-existing faults, routine maintenance, limescale, sludge, dust or lint build-up, manufacturer recalls or generic manufacturing defects, misuse or deliberate damage, theft or fire, faults caused by your electricity, gas or water supply, cosmetic damage that doesn't affect use, commercial use, pre-owned items not bought from an approved supplier, or delivery, installation and removal costs. If an engineer finds no fault, the call-out charge is still payable.

Yes. Appliances must be under 10 years old when your policy starts. The age at the start of your policy also decides the replacement contribution if the appliance is beyond economical repair: under 6 years old, a replacement up to the declared value or your remaining claim limit, whichever is lower; 6 to 10 years old, up to 50% of that amount.

There's no limit. You can insure as many eligible appliances as you like under one Smart Cover policy, and the more you add, the bigger the discount (up to 30% for 7 or more).

An extended warranty, such as Currys Care & Repair, is usually taken out with a product bought from that retailer, and Currys states it is not an insurance policy. Currys also states its plan doesn't cover accidental damage. Appliance insurance, like Smart Cover's, is an insurance policy that can also cover accidental damage (where shown on your Certificate of Insurance), lets you insure eligible appliances bought new from any retailer (or pre-owned from an approved supplier), and covers several on one policy.

Standard home contents insurance usually covers appliances against insured events like fire, flood or theft, but not mechanical or electrical breakdown or wear and tear. Appliance insurance is designed to cover breakdowns. See home insurance vs home emergency cover.

Yes. The policy covers your appliance regardless of its warranty status. However, it won't pay for a repair or replacement that's covered by another insurance policy.

Yes. Proof of purchase is required when you make a claim, as it confirms your appliance's age. If the age can't be established and your appliance is beyond economical repair, no replacement contribution is paid.

Call our claims helpline on 03333 449 559 as soon as you notice the fault, or register your claim on our website or the Smart Cover app. Our technical team will first try to fix the problem over the phone. If they can't, they'll arrange an approved engineer, with appointments Monday to Friday, 9am to 6pm (excluding UK public holidays). You pay any excess at the visit. Please don't arrange your own repair without our authorisation, as unauthorised repairs aren't reimbursed. If you pay monthly or quarterly, the rest of the year's premium becomes due when you claim. Make a claim.

Yes, depending on when you claim and the appliance's age. A £250 excess applies to claims in the first 45 days of cover. If a further claim arises from an incident in that same period, a £125 excess applies. After 45 days, the excess is £0 for appliances under 6 years old and £40 for appliances 6 years old and over at the time of the claim. American-style fridge freezers and range cookers have a £250 excess for the first 6 months.

If the engineer finds the appliance is beyond economical repair, Smart Cover will provide a replacement of the same or similar specification. It may be new, remanufactured or refurbished (at least Grade A), and the same make, model or colour can't be guaranteed. How much is covered depends on the appliance's age when your policy started: under 6 years old, up to the declared value or your remaining claim limit, whichever is lower; 6 to 10 years old, up to 50% of that amount. If the age can't be proven, no replacement contribution is paid. If a replacement can't be sourced, you'll get a voucher or cheque of equivalent value. Delivery, installation and removal of the old appliance aren't covered.

No. Fridge freezer cover protects the appliance against breakdown and accidental damage, but not the food inside it, or any other costs from being unable to use it.

If you find the same level of appliance cover for less from another FCA-authorised provider within 14 days of buying, Smart Cover will aim to match the price, subject to Price Match Terms. Email the provider, cover level and price to enquiries@smart-cover.co.uk. Price Match terms.

Smart Cover is a trading name of Smart-Cover Direct Limited (FRN 600428), an Appointed Representative of City and Commercial Limited (FRN 314346), which is authorised and regulated by the Financial Conduct Authority. Complaints about how your policy was sold or administered go to Smart Cover first, and can be referred to the Financial Ombudsman Service if unresolved after 8 weeks. Complaints about claims go to the insurer and then to the Seychelles Financial Services Authority.

The insurance is underwritten by C&C Insurance Company PCC Ltd Re Financial Lines Cell, which is regulated by the Seychelles Financial Services Authority, not the FCA. The insurance is not covered by the Financial Services Compensation Scheme (FSCS).

Yes. You have a 14-day cooling-off period from the date you buy or receive your documents (whichever is later), with a full refund as long as no claim has been made or is pending. After that, you can still cancel, but monthly and quarterly payments are not refunded, and annual policies receive a pro-rata refund for complete unexpired months minus a £25 admin fee, as long as no claim or incident that could lead to a claim has occurred.