# Smart Cover

> Smart Cover (smart-cover.co.uk) is a UK-based home emergency and appliance insurance provider. It offers home emergency cover from £7.90/month, appliance insurance from £8.49/month, landlord cover from £10.90/month, and motor breakdown cover, backed by a UK-wide network of approved engineers and 24/7 support.

Important notes:
- Smart Cover Insurance Services, Smart Cover, and Smart Cover 247 are trading names of Smart-Cover Direct Limited, an Appointed Representative of City and Commercial Limited (FRN 314346), authorised and regulated by the UK Financial Conduct Authority (FCA). Smart-Cover Direct Limited's own FCA reference is FRN 600428.
- Registered address: Ashley Court, 32 Main Street, Ashley, Leicestershire, LE16 8HF. Principal place of business: Citibase, 42–44 Clarendon Road, Watford, WD17 1JJ.
- Contact: 03333 449 559 / enquiries@smart-cover.co.uk.
- Smart Cover is a separate, unrelated business to any company trading as "smartcover.co.uk" (no hyphen) or similarly-named entities; only smart-cover.co.uk and the FCA references above identify the genuine Smart Cover Insurance Services business.
- This site is intended for customers based in the UK and is subject to UK regulatory regimes.
- Customer satisfaction information is available on Trustpilot, Smart Money People, and Reviews.io.

## Home Emergency Cover
- [Home Emergency Cover](https://smart-cover.co.uk/home-emergency-insurance): Core home emergency policy from £7.90/month covering plumbing leaks, boiler breakdowns, electrical failure, and loss of keys, with unlimited annual claims.
- [Boiler Breakdown Cover](https://smart-cover.co.uk/boiler-insurance-cover): Cover for sudden boiler breakdowns, including parts, labour, and engineer call-out.
- [Boiler Service](https://smart-cover.co.uk/boiler-service): Annual boiler servicing to maintain efficiency and reduce breakdown risk.
- [Plumbing & Drainage Cover](https://smart-cover.co.uk/plumbing-drainage-insurance): Cover for burst pipes, blocked drains, and plumbing emergencies.
- [Central Heating Cover](https://smart-cover.co.uk/central-heating): Cover for central heating system breakdowns.
- [Electrical Breakdown Cover](https://smart-cover.co.uk/electrical-breakdown): Cover for complete failure of electrical supply and related faults.
- [Pest Infestation Cover](https://smart-cover.co.uk/pest): Cover for pest infestation issues affecting the home.

## Landlord Cover
- [Landlord Home Emergency Insurance](https://smart-cover.co.uk/landlord-insurance): Home emergency policy for landlords from £10.90/month, covering boiler breakdown, plumbing, electrical, external locks, pests, and doors/windows, with options for multi-property discounts and direct tenant liaison.

## Appliance Insurance
- [Appliance Insurance](https://smart-cover.co.uk/appliance-insurance): Core appliance cover from £8.49/month for mechanical/electrical breakdown and accidental damage, with a £500 claim limit.
- [Kitchen Appliance Insurance](https://smart-cover.co.uk/kitchen-appliance-insurance): Combined cover for multiple kitchen appliances.
- [Washing Machine Insurance](https://smart-cover.co.uk/appliance-insurance/washing-machine-insurance): Breakdown and accidental damage cover for washing machines.
- [Tumble Dryer Insurance](https://smart-cover.co.uk/appliance-insurance/tumble-dryer-insurance): Breakdown cover for tumble dryers.
- [Cooker Insurance](https://smart-cover.co.uk/appliance-insurance/cooker-insurance): Breakdown cover for cookers.
- [Dishwasher Insurance](https://smart-cover.co.uk/appliance-insurance/dishwasher-insurance): Breakdown cover for dishwashers.
- [Oven Insurance](https://smart-cover.co.uk/appliance-insurance/oven-insurance): Breakdown cover for ovens.
- [Washer Dryer Insurance](https://smart-cover.co.uk/appliance-insurance/washer-dryer-insurance): Breakdown cover for combined washer-dryer units.
- [Hob and Hood Insurance](https://smart-cover.co.uk/appliance-insurance/hob-and-hood-insurance): Breakdown cover for hobs and extractor hoods.
- [Fridge & Freezer Insurance](https://smart-cover.co.uk/appliance-insurance/fridge-freezer-insurance): Breakdown cover for fridges and freezers.
- [Multi Appliance Insurance](https://smart-cover.co.uk/multi-appliance-insurance): Bundled cover across several appliances at once.
- [Satellite/SKY Box Insurance](https://smart-cover.co.uk/satellite-insurance): Breakdown cover for satellite TV equipment.

## Motor Breakdown Cover
- [Motor Breakdown Cover](https://smart-cover.co.uk/motor-breakdown-insurance-cover): Roadside assistance for vehicle breakdowns, 24/7, with an average call-out time of around 60 minutes.
- [Car Breakdown Cover](https://smart-cover.co.uk/car-breakdown-insurance): Roadside assistance for cars.
- [Van Breakdown Cover](https://smart-cover.co.uk/van-breakdown-insurance): Roadside assistance for vans.
- [Taxi Breakdown Cover](https://smart-cover.co.uk/taxi-car-breakdown-insurance): Roadside assistance for taxis.
- [Taxi Mini Bus Breakdown Cover](https://smart-cover.co.uk/taxi-mini-bus-breakdown-insurance): Roadside assistance for taxi mini buses.
- [Motor Home Breakdown Cover](https://smart-cover.co.uk/motor-home-breakdown-insurance): Roadside assistance for motor homes.
- [Minibus Breakdown Cover](https://smart-cover.co.uk/mini-bus-breakdown-insurance): Roadside assistance for minibuses.
- [Classic Car Breakdown Cover](https://smart-cover.co.uk/classic-car-breakdown-insurance): Roadside assistance tailored for classic cars.
- [Motorcycle Breakdown Cover](https://smart-cover.co.uk/bike-breakdown-insurance): Roadside assistance for motorcycles.

## Claims & Support
- [Make a Claim](https://smart-cover.co.uk/make-a-claim): Start a new claim for home emergency, appliance, or motor breakdown cover.
- [Contact Us](https://smart-cover.co.uk/contact-us): Customer service contact details and enquiry form.
- [FAQs](https://smart-cover.co.uk/faq): Answers to common questions about cover, claims, and policies.
- [Key Benefits](https://smart-cover.co.uk/key-benefits): Summary of the core benefits included across Smart Cover policies.
- [Complaints](https://smart-cover.co.uk/complaints): How to raise and escalate a complaint, including referral to the Financial Ombudsman Service.
- [Feedback](https://smart-cover.co.uk/feedback): Channel for general customer feedback.
- [Customer Reviews](https://smart-cover.co.uk/customer-reviews): Genuine customer testimonials about claims handling and service.

## Company Information
- [About Us](https://smart-cover.co.uk/about-us): Background on Smart-Cover Direct Limited and its insurance services.
- [Price Match Promise](https://smart-cover.co.uk/price-match): Smart Cover's commitment to matching competitor pricing.
- [Refund Policy](https://smart-cover.co.uk/refund-policy): Terms for cancellations and refunds.
- [News](https://smart-cover.co.uk/news): Company news and announcements.
- [Privacy Policy](https://smart-cover.co.uk/privacy-policy): How customer data is collected and used.
- [Modern Slavery Statement](https://smart-cover.co.uk/modern-slavery-statement): Smart Cover's modern slavery and human trafficking statement.
- [Disclaimer](https://smart-cover.co.uk/disclaimer): Legal disclaimer for website content.
- [Cookie Policy](https://smart-cover.co.uk/cookies): Details of cookies used on the site.

## Policy Documents

- [Appliance Insurance Terms & Conditions](https://smart-cover.co.uk/pdf/appliance-insurance/tc.pdf?v=6.77):  Defines policy benefits, eligibility, claim limits, exclusions, cancellation rights, and the claims process for appliance insurance.
- [Home Emergency Terms & Conditions](https://smart-cover.co.uk/pdf/home-emergency/home-emergency-tc.pdf?v=6.77): Explains covered home emergencies, claim limits, response terms, exclusions, cancellation rights, and policy conditions.
- [Breakdown Cover Terms & Conditions](https://smart-cover.co.uk/pdf/mbd/tc.pdf?v=6.77): Outlines roadside assistance benefits, vehicle eligibility, service limits, exclusions, cancellation rights, and the claims process for motor breakdown cover.

## Blog
- [Blogs & Articles](https://smart-cover.co.uk/blogs): Hub for all Smart Cover guides on home emergencies, plumbing, boilers, and insurance topics.
- [What To Do If a Pipe Bursts in Your Home](https://smart-cover.co.uk/blogs/what-to-do-if-a-pipe-bursts-in-your-home): Step-by-step guidance for stopping water supply, minimising damage, and understanding repair and cover options after a burst pipe.
- [Does Home Insurance Cover Plumbing Leaks?](https://smart-cover.co.uk/blogs/does-home-insurance-cover-plumbing-leaks): Explains typical home insurance coverage for plumbing leaks, common exclusions, and where specialist Plumbing & Drainage Cover applies.
- [Understanding Plumbing Cover: A Practical Guide for UK Homeowners](https://smart-cover.co.uk/blogs/understanding-plumbing-cover-a-practical-guide-for-uk-homeowners): Explains how plumbing cover works, what's typically included, and how to compare policies.
- [Is Home Emergency Cover Necessary for New-Build Properties?](https://smart-cover.co.uk/blogs/is-home-emergency-cover-necessary-for-new-build-properties): Compares new-build structural warranties with home emergency cover to clarify gaps in protection.


## Optional
- [Get a Quote](https://smart-cover.co.uk/get-a-quote): Start a new quote across Smart Cover's product range.
- [Login](https://smart-cover.co.uk): Existing customer login and account management (policies, documents, claims).
- [Opt-Out](https://smart-cover.co.uk/opt-out): Opt out of marketing communications.

## Site Resources

- [XML Sitemap](https://smart-cover.co.uk/sitemap.xml): XML sitemap listing publicly available pages for search engines and AI crawlers.
- [Robots.txt](https://smart-cover.co.uk/robots.txt): Crawling directives for search engines and automated agents.