Smart Cover Insurance Services (FRN 600428) is an FCA-authorised UK insurance intermediary providing home emergency cover, appliance insurance, landlord cover, and motor breakdown cover. Explore the key features and benefits of Smart Cover's range of protection products.
The key benefits of Smart Cover insurance include: 24/7 claims support every day of the year; average engineer dispatch within 60 minutes ; a Price Match Promise (Smart Cover will match a lower price within 14 days); FCA-authorised cover (FRN 600428); no call-out fees on any plan; multi-appliance discounts of up to 30% ; a free iOS and Android app for policy management and claims; unlimited annual claims on most plans; up to £500 per claim ; and unlimited technical support from a UK-based customer service team.
Every Smart Cover policy comes with these benefits as standard, with no add-ons and no hidden extras. Here's what you get when you protect your home with Smart Cover.
Smart Cover's claims and customer support line is open 24 hours a day, 7 days a week, 365 days a year . Home emergencies don't keep office hours - neither do we. Call 03333 449 559 any time and speak to a real UK-based team member.
Always available
Found the same level of cover for less? We'll match the price and refund the difference, subject to our Price Match Terms. Email enquiries@smart-cover.co.uk with the details to make a claim.
Guaranteed value
Smart Cover never charges a call-out fee on any of its insurance plans. The cost of the engineer's visit, labour, and parts are all included in your monthly premium - no extra charges at the point of claim.
£0 call-out charge
Smart Cover is a trading name of Smart-Cover Direct Limited ( FRN 600428 ), an Appointed Representative of City and Commercial Limited ( FRN 314346 ), authorised and regulated by the Financial Conduct Authority. Your interests are always protected.
FCA FRN 600428
Most Smart Cover plans include unlimited annual claims . There's no cap on how many times you can call for help in a year - so you're always covered, whether it's your first claim or your fifth.
No claim limits
Smart Cover provides up to £500 per claim for covered emergencies, covering the engineer's call-out, labour, and parts. For most common home emergencies and appliance breakdowns, this limit is more than sufficient to restore normal operation.
£500 claim limit
The Smart Cover app puts your policy in your pocket. Manage your cover, view documents, submit claims and contact support , all from your phone, any time, anywhere in the UK. Available free on the App Store and Google Play.
Download free
Every call to Smart Cover is answered by a real UK-based team member . No offshore call centres, no bots, no endless hold music. Our team knows the product, understands the urgency, and resolves your issue - first time.
100% UK team
Smart Cover's UK-wide network of vetted, qualified engineers covers every region. Wherever possible, we source a local engineer - supporting your community and reducing response times.
UK-wide coverage
Found the same level of cover at a lower price from an FCA-authorised UK competitor? We'll match the price, subject to our Price Match Terms and Conditions.
The Smart Cover mobile app gives you complete control over your insurance from anywhere in the UK, at any time. Effortlessly manage your profile, policies and existing claims, access all your policy documents, and get the support you need, all in one place.
View, renew, and manage all your active Smart Cover policies from a single dashboard.
Access your policy documents, certificates, and terms and conditions instantly - no email searching.
Start a new claim directly from your phone. Upload photos and describe the issue, all from the Smart Cover app.
Contact Smart Cover's UK-based support team instantly through the app - any time, day or night.
Receive real-time updates on claim status, engineer dispatch, policy renewals, and important announcements.
Update your personal details, payment methods, and communication preferences without calling.
Quick answers to the most common questions about Smart Cover's key benefits and features.