Smart Cover Insurance Services has been named a finalist in the British Claims Awards on seven occasions across five consecutive years, spanning categories including Broker of the Year, Personal Lines Broker, Claims Solution, and Customer Care. Being shortlisted by an independent industry panel reflects the standards we work to maintain in how we support our customers.
Smart Cover Insurance Services (Smart-Cover Direct Limited, FRN 600428) has been recognised as a finalist in the British Claims Awards on seven occasions: Broker of the Year (2021, 2022, 2025), Personal Lines Broker of the Year (2021), Commercial Lines Broker of the Year (2022), Claims Solution of the Year (2020), and Customer Care Award (2020). Smart Cover is rated 4.61 stars on Smart Money People (71 reviews) and 4.3 stars on Reviews.io(727 reviews).
The British Claims Awards are a well-regarded annual programme in the UK insurance industry, recognising standards in claims handling, customer service, and broker performance. Smart Cover has been named a finalist on seven occasions across five years.
2025Recognised for outstanding performance in insurance broking across all product lines — home emergency, appliance, landlord, and motor breakdown cover. Smart Cover's most recent industry recognition.
Finalist
2022Named as a finalist for the second consecutive year, recognising Smart Cover's continued growth, policyholder satisfaction, and claims handling excellence across the UK insurance market.
Finalist
2021Smart Cover's first Broker of the Year nomination — recognising the company's rapid growth, innovative product range, and commitment to delivering value in the home emergency insurance sector.
Finalist
2021A dedicated personal lines recognition — acknowledging Smart Cover's expertise in consumer insurance products including home emergency cover, boiler breakdown, and appliance insurance for UK homeowners.
Finalist
2022Recognising Smart Cover's expertise beyond personal lines — including landlord home emergency insurance, commercial property cover, and multi-property portfolio protection.
Finalist
2020Nominated for the innovation and effectiveness of Smart Cover's claims handling process — from the 24/7 claims line to the 60-minute average engineer dispatch and streamlined digital claims journey.
Finalist
2020Recognised for exceptional customer service across all touchpoints — from initial quote to claims resolution. Reflects Smart Cover's UK-based support team and commitment to treating every customer fairly under FCA Consumer Duty.
FinalistSmart Cover is rated independently on three well-known UK review platforms. These ratings are based on feedback from customers who have used our claims and customer service.
7 British Claims Awards nominations. 4.61★ customer rating. FCA authorised. From £3.90/month. Discover why thousands of UK homeowners choose Smart Cover.
