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Smart Cover insurance products listed on Defaqto UK comparison website Latest
Rating 14 July 2026

Smart Cover Products Receive Defaqto 4 Star Rating

Several Smart Cover products have been awarded a 4 Star Rating by Defaqto, an independent financial information business that assesses insurance and financial products across the UK market.

Which products received the rating

Defaqto has given a 4 Star Rating to the following Smart Cover Insurance products:

  • Smart Boiler Cover (Essential)
  • Smart Boiler Cover (Premium)
  • Smart Heating Cover (Essential)
  • Smart Heating Cover (Premium)

What a Defaqto star rating means

Defaqto reviews products independently and rates them from 1 to 5 stars, based on the range and quality of features each one includes. A higher rating reflects a product with a broader set of features compared with others in its category.

A 4 Star Rating indicates a product with a good level of features relative to similar products on the market. The rating is based on product features and does not, on its own, reflect price, individual service experiences, or whether a particular product is suitable for you.

What this means for you

The rating gives you an independent point of reference when comparing boiler and heating products. It is one factor to consider alongside the cover level, the price, and the policy terms.

As with any policy, what is and is not covered depends on the plan you choose and the terms of your policy. It is worth reading the policy documents in full so you understand the features, limits, and exclusions before deciding whether a product suits your needs.

You can find out more about each product and view the full terms on the Smart Cover website.

Home Emergency Cover

Protect your home against boiler breakdowns, burst pipes, and electrical failures.

From £7.90/month
Get a Free Quote

Quick Links

→ Blogs & Articles → Home Emergency Cover → Appliance Insurance → Landlord Cover → Motor Breakdown → Contact Smart Cover → Customer Reviews → FCA Register (FRN 600428)

FCA Regulated

Smart-Cover Direct Limited is an Appointed Representative of City and Commercial Limited (FRN 314346), authorised and regulated by the Financial Conduct Authority. Smart Cover's own FRN is 600428.

Verify on FCA Register →

Our Ratings

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Smart Money People rating: 4.61 out of 5 based on 71 reviews – marked as Excellent
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Ashley Court, 32 Main Street, Ashley Leicestershire LE16 8HF

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Citibase, 42 – 44 Clarendon Road, Watford, WD17 1JJ

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This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s). Smart-Cover Insurance Services, Smart Cover and Smart Cover 247 are all trading names of Smart-Cover Direct Limited which is an Appointed Representative of City and Commercial Limited (FRN 314346) who is authorised and regulated by the Financial Conduct Authority (FCA). For further information please visit the FCA’s register and search for Smart-Cover Direct Limited, FRN 600428.

The Financial Ombudsman Service (FOS) is an agency for arbitrating unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.

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