Home Emergency Basic Cover

We cover emergencies related to Plumbing, Drainage, Electricity, Security, Doors & Windows, Pests & Lost Keys.

Benefits vary based on cover levels, please refer to the comparison table.

  • Included
  • Why Smartcover
  • Not Included
  • Plumbing
  • Electrical
  • External Locks
  • Doors & Windows
  • Blocked pipes
  • Pests
  • Lost Keys

Smart Cover’s goal is to provide our customers with peace of mind through an efficient insurance process and attentive customer service. We have relationships with engineers throughout the UK so we are never too far away to lend you a hand when you need it most. Winner’s of the 2019 Broker innovation awards, we are committed to providing quality boiler breakdown cover and achieving high levels of customer satisfaction.

  • Wider central heating system, e.g. Radiators, cylinders, pipes
  • Plumbing & water supply pipes
  • Unblocking of drains & waste pipes
  • Mains electrical wiring system, e.g. circuits, fuse box, sockets, light fittings
  • Removal of sludge, scale or repairing damage caused by this
  • Showers and Taps
  • Bathroom items such as sinks, toilet bowls and other ceramic items
  • Garden items
  • Outdoor Electrics and Heating
  • Accidental damage and faults caused by someone else you used for repairs or design faults

FAQs & Terms

A home emergency is an emergency which renders your house unsafe or inesecure. Please see our Terms & Conditions for more details.

Under our home emergency policy, you can make an unlimited number of claims.

Under our basic home emergency cover, boiler breakdown and central heating are not covered. Our standard, essential and premium home emergency policies differ only on the monetary claim limit. Please see the above chart for more details

If it is necessary for an engineer to attend your property, a member of staff from our Home Emergency Team will get an approved engineer out to you as soon as is reasonably possible.