Verified Customer Reviews

Real customers. Real experiences. Real feedback from UK policyholders.

Over 727 verified UK customers have rated Smart Cover on independent review platforms. Read what they say about claims speed, engineer quality, and the service behind the cover.

All Products
★★★★★4.3
727+ reviews
Home Emergency
★★★★★4.4
312 reviews
Appliances
★★★★★4.3
218 reviews
Landlord Cover
★★★★★4.4
124 reviews
Where Smart Cover is rated

Smart Cover reviews appear on independent, verified platforms - not just on our own website. All ratings below are from genuine, verified customers.

Reviews.io logo
★★★★☆
Based on 727+ verified reviews
Read on Reviews.io →
Smart Money People logo
★★★★☆
Based on 71 verified reviews
Read on Smart Money People →

10+ years of protecting UK homes - rated by real customers

Smart Cover has been FCA-authorised since 2013, protecting homeowners and landlords across the UK. These reviews reflect real emergency claims, real engineers, and real outcomes - not marketing copy.

4.3
Reviews.io rating
727+
Verified reviews
10+
Years FCA authorised
24/7
Support

Home Emergency

★★★★★
Home Emergency

Pipe leaks started in the kitchen, luckily had it covered under Smart Cover home emergency policy. Called Smart Cover and was helped by an advisor who quickly sent an engineer and sorted out the leak same day

NK
Nick✓ Verified
Review io
★★★★★
Home Emergency

Home Emergency Cover has been a good purchase for me as it covers Plumbing & Drainage, Boiler Breakdown, Pests, Door Locks, Central Heating and electrical cover, phew all these under one home emergency policy, its a gud bargain. would recommend to all

JR
Junior✓ Verified
Review io
★★★★★
Home Emergency

Burst pipes is a nightmare, unfortunately i had to go through it but fortunately i had Smart cover insurance which is Home Emergency. I called the customer support team and they were able to quickly send an engineer before it went worst. All sorted and taken care. excellent service, Thanks for the timely help.

MB
Muneera Begum✓ Verified
Review io
★★★★★
Home Emergency

Pravin was very helpful sorting out cover for kitchen appliances when the manufacturers warranty expired. He then organised cover for our boiler and home emergency. The process was well explained and the price was good.We just hope that the claim process will be as good if we ever need it.

MC
Mrs Marilyn Coates & Mr John Coates✓ Verified
Review io

Appliance Cover

★★★★★
Appliance Cover

Got 5 Appliances covered from Smart cover insurance and got the 5th one free, gud offer and great customer service .

MJ
Michael J✓ Verified
Smartmoneypeople
★★★★★
Appliance Cover

Broken down washing machine was a pain but fortunately I had washing machine breakdown cover with Smart Cover who send their engineer to sort out the issue and got it to work.

KN
Kieran✓ Verified
Smartmoneypeople
★★★★★
Appliance Cover

Smart Cover customer support advisor arranged for an engineer to repair my broken dishwasher. The engineer came later that evening and fixed the problem very professionally

OB
Oliver B✓ Verified
Smartmoneypeople
★★★★★
Appliance Cover

I’ve had a great experience using Smart Cover’s appliance insurance. Their team was responsive when I had an issue with my washing machine, and the claim process was quick and smooth. It’s affordable, and the coverage includes most of my essential kitchen appliances. Definitely gives peace of mind for homeowners like me. For anyone in the UK looking for a trusted provider, Smart Cover is a solid choice. You can check them out at Smart Cover

SS
Steve S✓ Verified
Smartmoneypeople
★★★★★
Appliance Cover

The outer glass on my oven door shattered with no warning. An engineer was out within the next couple of days. When it was established the part was obsolete, a replacement was offered and delivered quickly. I was kept up to date by my claims manager.

SN
Susan✓ Verified
Smartmoneypeople
★★★★★
Appliance Cover

from the first time you give them a call, they are at the other end of the phone, very friendly and helpful. After submitting the breakdown of the w/machine, they are emailing you and keeping you in the loop with the whole process from the engineer attending, to being unable to fix the product, to choosing a new w/machine and delivery. A very helpful team.

MB
M Bradstock✓ Verified
Smartmoneypeople

Boiler Cover

★★★★★
Boiler Cover

Excellent fast response to repair boiler problem via local technician who was the most reliable honest competent tradesman who knows his job. Thank you Smart Cover and long may you prosper.

GH
Mr Gregory Hicken✓ Verified
Review io
★★★★★
Boiler Cover

Boiler service sorted today without any hassel, engineer was gud at his job. Thanks Smart cover

CE
Chole✓ Verified
Review io
★★★★★
Boiler Cover

Got my boiler service done today, had booked through smart cover. Engineer was very gud he briefed me about the process of servicing and told me the benefits about servicing. Gud customer service.

MG
Muzammil Ghani✓ Verified
Review io
★★★★★
Boiler Cover

Excellent fast response to repair boiler problem via local technician who was the most reliable honest competent tradesman who knows his job. Thank you Smart Cover and long may you prosper.

GH
Mr Gregory Hicken✓ Verified
Review io
★★★★★
Boiler Cover

Had issues with boiler as was making noise and had error codes called smart cover as i had apolicy with them , it was sorted within 24 hrs. Very gud customer service

SA
Shabana✓ Verified
Review io
★★★★★
Boiler Cover

Great customer service ! I had a boiler emergency they helped me fix it by sending the engineer instantly, The customer advisor agent was full of knowledge and helped me throughout the ordeal. Thanks Smart cover !!!

SH
Sarah✓ Verified
Review io

General Service

★★★★★
General Service

What stood out to me about Smartcover was how straightforward the whole process felt. I didn’t need to decode complicated terms or second-guess what I was reading. The information was presented clearly, allowing me to compare options carefully. It gave me confidence that I was making a sensible decision based on understanding, not pressure.

EM
Emily✓ Verified
Review io
★★★★★
General Service

My experience with Smartcover was very reassuring. I wanted to compare insurance properly rather than rushing into a decision, and the platform made that possible. Everything was explained clearly, and I never felt lost during the process. It felt like a service designed to support informed choices rather than push quick outcomes. I came away feeling confident in what I selected.

GL
Gilberto Lucas✓ Verified
Review io
★★★★★
General Service

I decided to use Smartcover after feeling frustrated with how confusing insurance comparisons can be. From the beginning, the platform felt easy to follow and well organised. I could review different options without feeling overwhelmed by technical language. What I liked most was being able to slow down and actually understand what each policy offered. It made the decision process feel far more controlled and less stressful.

MA
MD Abdulla✓ Verified
Review io
★★★★★
General Service

I found Smartcover helpful when I wanted to review my options properly instead of picking the first deal I saw. The platform encourages you to take your time and understand what each option offers. That made me feel more in control of my decision and less pressured. It’s a useful service for anyone who values clarity.

LN
Lana✓ Verified
Review io
★★★★★
General Service

I used Smartcover when I wanted a clearer way to compare insurance options without jumping between multiple websites. From the start, the process felt straightforward and well explained. I liked how the information was laid out clearly so I could understand what I was getting and why one option suited me better than another. It saved me time and helped me feel more confident about my choice.

AN
Anonymous✓ Verified
Review io
★★★★★
General Service

Their customer service was top-notch, the staff was friendly and knowledgeable, answering all my questions. The service was completed within the promised time.

AN
Anonymous✓ Verified
Review io

Customer Service

★★★★★
Customer Service

Always helpful

The staff are polite, friendly and helpful at all times when we have had a problem. Thank you all, keep up the good work

PC
Mrs P. Callis, Kent✓ Verified
★★★★★
Customer Service

1st Class

Keeping me informed was first class.

FC
Mr F. Cosgrove, Caithness✓ Verified
★★★★★
Customer Service

Excellent Service

I think the service provided by Smart Cover was excellent and I am quite satisfied and happy with it.

BL
Mr B.Lee, Kent✓ Verified
★★★★★
Customer Service

Very Satisfied

Very satisfied with the service I received with you. Thank you

GO
Mr G. Owen, Gwynedd✓ Verified
★★★★★
Customer Service

Comfortable

The service was excellent. The young lady I spoke was fantastic for customer relations. Being an older lady, she made me most comfortable. Her knowledge was second to none. Thank you.

JS
Mr. J & B. Slevin. Enniskillen✓ Verified
★★★★★
Customer Service

10/10

The call centre call advisor was most polite, very understanding and helpful. 10 out of 10 for back-up, advice and helpful

JM
Mrs.J. Mills, Telford✓ Verified
★★★★★
Customer Service

Top Class

The service we had was top class ten out of ten. The advisor was most polite and understanding, well done Smart Cover many thanks.

JM
Mrs. J.Mills, Shropshire✓ Verified
★★★★★
Customer Service

Dealt with Quickly

All promises of supply and help to synchronise remote control was quickly dealt with.

GP
Mr.G. Philips, Bury St. Edmunds✓ Verified
★★★★★
Customer Service

Very Polite

I am a pensioner of 89yrs I did find the staff very polite and service fine. Mrs. E Patton. Cheshire

EP
Mrs. E.Pattern, Cheshire✓ Verified
★★★★★
Customer Service

Quick

When contact was made. Smart covers response was quick and successful.

SE
Miss S. Elliott, London✓ Verified
★★★★★
Customer Service

Kept up-to Date

Very pleased with the way I was kept up to date with everything. Overall good service from start to finish. Thank you.

VD
Mrs. V.Downie, Worcestershire✓ Verified
★★★★★
Customer Service

Quick

I don’t think you could have done anything better, the service has been brilliant very efficient. I would highly recommend for other people to use Smart Cover

SH
Mr S. Hankinson, Merseyside✓ Verified
★★★★★
Customer Service

Polite & Helpful

Engineer call out. All the people I dealt with both on the phone and the engineer who came to the house were polite & all were very helpful.

VC
Mrs. V.Cruddas, Durham✓ Verified
★★★★★
Customer Service

Easy

Easy to contact instructions and advice very clear and not rushed at all.

WH
Mr W. Heard, Hull✓ Verified
★★★★★
Customer Service

Good Work

The staff are polite, friendly and helpful at all times when we have had a problem. Thank you all, keep up the good work.

PC
Mrs. P.Callis, Kent✓ Verified
★★★★★
Customer Service

Vulnerable Person

Excellent service on all counts. Thank you for your patience and perseverance, particularly with a vulnerable old person

NM
Ms Norah.M, Peeblesshire✓ Verified

Technical Support

★★★★★
Technical Support

Friendly Engineer

Support staff friendly and helpful. Engineer previously used was appointed and was excellent – adjusting time to suit my schedule

SB
Mr S Barret, Lowerstoft✓ Verified
★★★★★
Technical Support

Great Engineer

I was more than happy with my experience. The engineer even called on his way home and knew exactly what the problem was and soon put it right. I was more than grateful. Thanks you very much

JR
Ms J. Richards, Wymondham✓ Verified
★★★★★
Technical Support

Ariel Problems

Very pleased with service received as due to a heavy winds damage to Ariel was difficult to sort out. The engineer was very good at his job

JE
Mrs J.Elizabeth, Nottingham✓ Verified
★★★★★
Technical Support

Satellite Box

Was completely satisfied with the job that was done. The staff member was very nice and explained everything fully to my husband which was just as well because the box wouldn’t work and the next day we did exactly as the staff member explained and got the box working again.

EW
Mrs E. Wratten, Glasgow✓ Verified
★★★★★
Technical Support

Remote replacment

The Engineer was not involved as it was replacing of a remote control for a sky box quite satisfied.

JT
Mr J.Tanimowo, West Bromwich✓ Verified
★★★★★
Technical Support

Satellite Dish

The work men were very polite and helpful and said if need be they could call back if my satellite dish wasn’t working properly.

FY
Mrs F. Yasmin, London✓ Verified
★★★★★
Technical Support

Prompt Engineer

Your engineer came out very promptly and fixed the problem which lasted about 24hrs and then reverted back to the original problem. On speaking to your support dept. it was explained to me (very well) that it could be caused by something else which I am now attending to.

RC
Mr R. Copeland, Southport✓ Verified
★★★★★
Technical Support

Remote

Helped to tune in remote control and phone operator was very helpful

AS
Mrs A. Seabourne, Ross-on-Wye✓ Verified
★★★★★
Technical Support

Dish Re-aligned

Re-aligned dish and resolved problem. Great advice on issues with 2nds sky box now resolved. Very polite – efficient and explained all actions. Very impressed.

BB
Mrs B.Barrett, Lowerstoft✓ Verified
★★★★★
Technical Support

Satellite Signal

The reason for the call out was Loss of Satellite signal. I am satisfied that repair was carried out satisfactory.

AB
Mr A.Bremmer, Glasgow✓ Verified
★★★★★
Technical Support

Satellite Signal

The engineer was very helpful and polite, and sorted out the problem.

NW
Mrs N.Weller, Sidcup✓ Verified
★★★★★
Technical Support

Fantastic Engineer

Your engineer was fantastic extremely courteous and friendly. Fully efficient with the system and solved the problem in minutes 1st rate service

JH
Mr J.Homes, Surrey✓ Verified

Customer Claim

★★★★★
Customer Claim

Very Efficient Service

My problem was the remote control which was sent out to me very quickly so thanks for that. Very efficient service.

MC
Mrs McCarth, Cwmbran✓ Verified
★★★★★
Customer Claim

First Time

That’s the first time I have used your services my problem was resolved the next day which I thought was brilliant!

DC
Mr D.Carter, Bristol✓ Verified
★★★★★
Customer Claim

Totally Satisfied

I am totally satisfied with the way the claim was dealt with. The customer relations manager was very nice and helpful.

MA
Mrs M.Ashner, Twickenham✓ Verified
★★★★★
Customer Claim

Next day delivery

Good Service next day delivery – thank you.

HJ
Mr H.James, London✓ Verified
★★★★★
Customer Claim

Recommended

I am totally satisfied with the way the claim was dealt with. The customer relations manager was very nice and helpful.

MS
Mr M.Seal, Kent✓ Verified
★★★★★
Customer Claim

Quick Replacement

All promises of supply and help to synchronise remote control was quickly dealt with

GP
Mr G. Philips, Bury St.Edmunds✓ Verified
★★★★★
Customer Claim

Just Joined

As I had only joined your company and only just paid my yearly installment then the remote arrived next day by mail and not as stated 2-3 days – which I can’t fault at all.

BW
Mrs B.Williams, Cwmbran✓ Verified
★★★★★
Customer Claim

Senior Citizen

I have now had to call on your service twice both times all people dealt with were excellent, polite, helpful and very patient. I am a senior citizen and these things matter. All promises of supply and help to synchronise remote control was quickly dealt with

SB
Mrs. Brightman, Camberly✓ Verified
★★★★★
Customer Claim

Replacement

Very happy with product and response.

RR
Mr R.Robins, West Yorkshire✓ Verified
★★★★★
Customer Claim

Kept Informed

Replacement arrived as specified, engineer very good kept us informed.

BE
Mr B.Edwards, Glamorgan✓ Verified
★★★★★
Customer Claim

Very easy

Called to report the problem, received a call same day to book an appointment with the engineer. All very easy.

KT
Miss K.Thompson, Kent✓ Verified
★★★★★
Customer Claim

Items Replaced

Replacement items was receive within a week, also I was talked through the installation process.

AM
Mr A.May, Ramsgate✓ Verified
★★★★★
Customer Claim

Very Pleased

I was very pleased the engineer came so quickly after we reported it.