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Boiler Service
Cover Type
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Call UsSome of the Gas Boilers we cover are
Benefits of Home & Boiler Cover?
Boiler Insurance
A boiler is an important part of any home. An unexpected boiler breakdown can result in very costly repairs.
Central Heating
Our cover includes breakdown of central heating system and its associated pipework.
Lost Keys
Lost your House keys? Our insurance policy gives assistance in gaining access to your property and protecting your home.
Electrical
Our insurance policies cover total emergency breakdown of your electricity supply.
Drains and Waste Pipes
Our plumbing & drainage insurance covers a wide range of problems including broken pipes, water supply and blocked drains.
Pest Infestation
Our policy offers cover for animal infestations caused by black or brown rats, field or house mice, wasps’ and hornets’ nests.
Home Emergency Cover assists you when you encounter unexpected problems that leave you without having hot water or heating, Plumbing issues like leakages and also cover when there is an emergency breakdown of your boiler or a leaking gas supply pipe. The boiler in your home is needed at all times, providing both warmth and hot water. That’s why Emergency boiler cover & insurance is so important. If your boiler were to stop working, what cover do you have and would you know what to do or who to contact? How much of your day or even week will be taken up dealing with it?
With our Home Emergency breakdown cover, a breakdown doesn’t have to mean the end of your day or a ruined week. We’ll send one of our Nationwide engineers to your home as soon as possible and your household will be back up and running before you know it. As an insurance broker, we pride ourselves on the quality, speed and satisfaction of the services on offer to our customers.
In an event of a breakdown, at Smart Cover, we
- Provide Quick and effective service with minimal stress.
- Arrange Approved Gas-Safe registered engineer nationwide to conduct a check on your boiler
- Ensure Boiler is safe and effective running
- Cover leaks as a result of damage to the internal gas supply pipe of your home
- Cover the price of repairs on your gas boiler and controls as well as the gas supply pipe connected to your meter.
Our boiler cover & insurance does not include:
- General maintenance and service costs
- Pre-existing damage and faults
- Damage not caused by unforeseen circumstances
- Non-gas appliances
- Removal of sludge and hard water scale deposits
Why Choose Smart Cover ?
Smart Cover Insurance Services is a trading name of Smart Cover Direct, the brainchild of a group of experts whose collective experience totals over 20 years in the insurance sector. Our vision of offering innovative insurance services has driven our business.
We aim to provide our customers with reliable cover for a wide-range of household products. Our competitive premium rates, limited excesses and streamlined claims settlement ensure customers a complete peace of mind.
Rapid Claims Process
Price Match Promise
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Nationwide Engineers
Frequently asked questions
What is key cover insurance?
Key cover insurance helps with certain costs linked to lost or stolen house keys, subject to your policy terms and limits.
For UK homeowners, this type of cover is usually designed to help if you cannot access your home because your keys have been lost or stolen. Depending on the policy, it may include support with locksmith charges and gaining safe access to your property.
Key cover insurance may be included as part of a wider home emergency cover plan rather than as a standalone policy. Check the policy wording so you understand what is covered, any excess, claim limits and exclusions.
What does lost key cover include?
Lost key cover can include help with lost or stolen keys and eligible locksmith charges, depending on the plan you choose.
This may help if you need urgent support to access your home or secure the property after losing your house keys. Security and lock key cover may form part of broader home emergency cover options, alongside other areas such as boiler, heating, plumbing, electrics, drainage and pest support.
Some plans show an unlimited annual claim limit and a £500 per claim limit. All claims remain subject to policy terms, conditions, limits and exclusions.
Does home emergency cover include lost keys?
Home emergency cover may include lost keys if your chosen plan includes security and lock key cover.
This means you may be able to get help if your house keys are lost or stolen and you need locksmith assistance. The exact support available will depend on your policy, the level of cover selected and whether the issue meets the policy definition of an emergency.
Before relying on home emergency cover for lost keys, check whether locksmith charges are included and whether any excess or per-claim limit applies.
What is not covered by key cover insurance?
Key cover insurance typically does not cover every lock or key-related issue, and exclusions will depend on your policy wording.
In general, non-emergency issues, routine maintenance, wear and tear, and anything specifically excluded under the policy may not be covered. For example, a planned lock upgrade or general maintenance work would not usually be treated in the same way as an urgent lost or stolen keys situation.
You should read the policy documents before buying so you know what is included, what is excluded and what evidence may be needed when making a claim.
Is it worth getting key cover?
Key cover may be worth considering if you want support with eligible locksmith charges after losing your house keys or having them stolen.
It can be useful if you would prefer not to arrange emergency locksmith help entirely on your own. However, whether it is suitable depends on your home, your existing insurance, your budget and the level of cover you need.
Before choosing lost house keys cover, compare what is included, the claim limit, any excess and the exclusions. This will help you decide whether the cover matches your circumstances.
