UK home emergency cover

The main difference between these plans is the level of cover and the types of home emergencies included.

Smart Boiler

Covers boiler breakdowns and boiler servicing only. It does not include central heating, plumbing, electrics, or other home emergency services.

Smart Heating

Includes everything in Smart Boiler, plus cover for your central heating system. It does not include plumbing, electrics, drainage, or additional home services.

Smart Home

Provides more comprehensive cover, including boiler, central heating, plumbing, electrics, and drainage. It is designed for wider home emergency protection.

Smart Home Plus

This is the most comprehensive plan. It includes all features of Smart Home, plus additional cover such as pest infestation and security & lock issues.

All plans include:

Unlimited annual claim limit

Per-claim limits vary depending on the cover type selected

Cover is subject to policy terms, conditions, exclusions, and claim limits.

This type of cover does not cover accidents and general breakages of assets - for this, look at Content Cover. Also, Home Emergency does not include damage caused by general wear and tear, for example a boiler that has broken down due to it not being serviced or problems that have occurred simply due to the age of the product. If there is a leak that doesn’t cause damage to the property, it’s not an emergency and is excluded from the cover.

Home Emergency covers unexpected breakdowns to your boiler and central heating system, electrical breakdowns, blocked pipes, external locks, doors and windows, pest infestations and lost keys. Our prices are flexible so you can choose the aspects most important to you and adapt the cover to suit, ranging from Basic to our Premium cover. The higher the grade, the higher the annual claim limit will be and, from our standard cover upwards, you will also be eligible for alternative accommodation should your home become uninhabitable following a household emergency.

An emergency is a sudden and unexpected incident that impacts on your ability to go about your day to day life as normal. It is an issue that needs resolving urgently. If you were to lose your keys and couldn’t get into your own house, for example, you’d need to sort that out right away; if there was a sudden leak, you’d need to patch things up as soon as possible to avoid flooding and further problems that could make your home uninhabitable.

Simply call our helpline an 03333449559 and a member of staff will take you through the claims process.

Boiler cover is a type of insurance covers the unexpected problems that leave you without having hot water or heating, also cover faulty boiler controls, parts and a leaking gas supply pipe. We will assist you in repairing or rectifying the breakdown of your domestic boiler.

If you smell a natural gas odour, hear the hissing sound of gas escaping or see the other signs of a leak, Immediately call the free National Gas Emergency helpline on: 0800 111 999.

The cost of boiler cover in the UK varies depending on the provider and the level of protection. Many providers offer a range of plans with monthly premiums to suit different needs. The exact price will depend on the plan you choose, subject to policy terms, conditions and limits.

Smart Cover’s Boiler cover include repairs for sudden breakdowns, parts and labour, and in some cases an annual boiler service. Full details, including terms, conditions and limits, are set out in your policy documents.

Boiler cover will be helpful if you prefer to spread the potential cost of unexpected repairs into regular payments. Suitability will depend on your personal circumstances, which will also be subject to policy terms and conditions.

You can reduce the risk of frozen pipes by using insulation such as pipe lagging. Smart Cover plans provide assistance if a covered emergency occurs, subject to policy terms, conditions and limits.