Home Emergency Insurance Cover - 24/7 - 365 Days


Boiler, heating & plumbing care with a

Price Match Promise

Smart Cover offers a price match promise and will match a competing offer if you find the same level of cover elsewhere. Home emergency policies cover callouts to make emergency repairs if something goes wrong in your home, such as the electrics, boiler or plumbing.

Drains and Waste Pipes

Our plumbing & drainage insurance covers a wide range of problems including broken pipes, water supply and blocked drains.

Central Heating

Our cover includes breakdown of central heating system and its associated pipework.

Boiler Insurance

A boiler is an important part of any home. An unexpected boiler breakdown can result in very costly repairs. Save money, time and protection with Smart Cover’s 5 Star Rated Home Emegency Insurance.

Lost Keys

Lost your House keys? Our insurance policy gives assistance in gaining access to your property and protecting your home.


Our insurance policies cover total emergency breakdown of your electricity supply.

Switch to Annually



Per Month



Per Month



Per Month



Per Month
Excess £0 £25 £0 £25 £39 £0 £25 £50 £0 £25 £50
0 25
0 25 39
0 25 50
0 25 50
Annual claim limit up to £1000 £1000 £2500 £5000
External Locks
Doors & Windows
Blocked pipes
Lost Keys
Central Heating Cover
Boiler Breakdown
Alternative Accommodation
Boiler Service

What is home emergency cover?

Home Emergency Cover provides peace of mind that covers your home against unexpected incidents such as plumbing leaks, boiler breakdowns, loss of keys, and complete failure of electrical supply.

Home emergency insurance
at a competitive price

Smart Cover’s goal is to provide our customers with peace of mind through an efficient insurance process and attentive customer service. Winner’s of the 2019 Broker Innovation Awards, we are committed to providing quality home emergency cover and achieving high levels of customer satisfaction.


  • Annual claim limit up to £5000.
  • Cover the cost of emergency repair.
  • Technical support.
  • Parts & Labour Incl.
  • Nationwide engineers.
  • Rapid Engineer Response.
  • UK based customer service.
  • We cover emergencies related to Plumbing, Drainage, Electricity, Security, Boiler and Central Heating.
  • Benefits vary based on cover levels, please refer to the comparison chart above.
  • General maintenance work.
  • Any event which is not an emergency.
  • Any leak which does not cause damage to the property.
  • A central heating boiler which has not been serviced within the 12 months prior to the breakdown.

Frequently Asked Questions

Home Emergency insurance cover is a peace of mind policy protecting against unexpected incidents such as leaks, boiler breakdowns, loss of keys and sudden loss of electrical or gas supply. If you choose to add it on to your home insurance package or take as a standalone policy, you’ll receive assistance from a range of trades who will provide emergency repairs, to make your property safe or prevent further damage as soon as possible.

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.

During the Covid-19 pandemic, we have all had to abide by strict social distancing rules when around people out in public spaces. People that aren’t part of your bubble or household, when allowed into your house for essential purposes such as fixing an emergency leak, for example, should be treated no differently. We’ll be wearing masks and have procedures in place such as temperature checking to ensure there’s no danger of anyone with symptoms entering your household but when Smart Cover’s assistants do pop in to fix your issue, we kindly ask that you give us two metres distance at all times.

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 eligible to 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.

This is a flexible home cover policy so you can adapt it to the areas you actually need protected. If there are sections of the policy that aren’t essential and you feel you can manage without, you can adapt the price and benefits to suit your needs. Additionally, If you find a better price for your Home Emergency Cover elsewhere, then we’ll match it, subject to terms and conditions. Simple as that. Our price match promise means we offer our award-winning customer service at an affordable price.

With our Home Emergency cover, one of our trusted engineers will be dispatched to fix your boiler if it breaks down unexpectedly, provided it is serviced annually. Boiler servicing means maintaining your boiler and is a highly advisable add on. We recommend adding boiler service because if you’re not having your boiler serviced each year, there’s more chance of a breakdown due to wear and tear - which won’t be classed as an emergency and won’t be covered by us.

On other policies like your main Home Insurance and Contents Insurance, you’ll have a no-claims bonus, meaning you can qualify for a reduced premium if you don’t claim on anything that year. Claiming on your Home Emergency policy will have no effect on your no-claims bonus and contents insurance policy.

There is no limit on the number of claims you can make but there are limits on the total claims value each year. With the Basic package you can claim up to £1,000 a year with each individual claim holding a maximum claim limit of £250. Standard is the same. With essential the claim limit goes up to £2,500 a year with individual claim limits at £500 per claim. Finally, the Premium package offers an annual claim limit of £5,000 with individual limits at £1,000 per claim.

Home Emergency Cover is good for the head and the home. In an emergency situation you want peace of mind that there’s helpful assistance on hand at all times. But it’s not all about peace of mind; if you don’t have cover, calling someone out to come and resolve your problem at such short notice, be it a heating engineer, a locksmith or a plumber, for example, can result in them charging enhanced rates and call out fees. This cover protects you and your home in those heart-stopping moments, meaning you can worry less.

Parts & Labour Incl. Parts & Labour Incl.
24hr Emergency line 24hr Emergency Line
Rapid Claim Process Rapid Claim Process
UK Based Customer Care UK Based Customer Care