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03333 449 559

Plumbing and Drainage Cover · 24/7

Plumbing and drainage cover from £6.27 a month

A burst pipe or blocked drain can turn your home upside down in minutes. When it happens, we get a qualified engineer to you fast, so the mess doesn't ruin your day.

Compare plans Call 03333 449 559
£6.27 Per month
24/7 365 days
In short

Plumbing and drainage cover helps with sudden, unforeseen emergencies in your home's plumbing or drainage system - like a burst internal pipe, a blocked internal drain, or a blockage, collapse or leak in the external water supply pipe. If an emergency strikes, Smart Cover arranges a qualified engineer and can advise on steps to limit further damage, subject to policy terms and limits.

  • Plans from £6.27/month (all taxes included)
  • Covers burst pipes & blocked drains
  • External water supply pipe faults included
  • Nationwide network of qualified engineers
  • 24/7, 365-day emergency support
  • Plumbing claims line: 03333 449 247
Choose your plan

Three levels of plumbing protection

Start with core plumbing and drainage, add internal electricals, or step up to broader home emergency cover. Excess options from £0.

Excess
Payment
10% OFF

Smart Plumbing & Drainage

6.96/Month
6.27
Per Month*
£49 Excess
£1000Annual limit
£250Per claim
What’s included
  • Internal plumbing emergency
  • Internal drainage system emergency
  • External water supply pipe blockage, collapse or leak
  • Advise on what actions to take to protect yourself and your home
  • Prevention an emergency causing further loss or damage to your home
What’s not included
  • General maintenance
  • Pre-existing damage/faults
  • Damage due to events which are not unforeseen
  • Origins of damage traced outside the property
  • Removal of sludge or hard water scale deposits
10% OFF

Smart Plumbing, Drainage & Electricals

10.00/Month
9.00
Per Month*
£49 Excess
£1000Annual limit
£250Per claim
What’s included
  • Internal plumbing emergency
  • Internal drainage system emergency
  • Internal electricals emergency
  • External water supply pipe blockage, collapse or leak
  • Advise on what actions to take to protect yourself and your home
  • Prevention an emergency causing further loss or damage to your home
What’s not included
  • General maintenance
  • Pre-existing damage/faults
  • Damage due to events which are not unforeseen
  • Origins of damage traced outside the property
  • Removal of sludge or hard water scale deposits
FEATURED Up to 50% OFF

Smart Home Essential

19.09/Month
10.90
Per Month*
£99 excess
UnlimitedAnnual limit
£500Per claim
What’s included
  • Emergency boiler breakdown
  • Internal gas supply pipe
  • Domestic Central Heating System
  • Internal Plumbing, Electricals and Drainage
  • External water supply pipe
  • Annual Boiler Service – Optional
  • Benefits vary based on cover levels, please refer to the comparison chart above & T&Cs.
What’s not included
  • Any Event Which Is Not an Emergency
  • General Maintenance work
  • Removal of limescale, sludge or debris or repairs caused by this.
  • Repairs where the Boiler breakdown results in the loss of domestic hot water provision only.
  • A Central heating boiler which has not been serviced within last 12 months.
  • Any Leaks which do not cause damage to the property
Compare Now
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Prices shown include all relevant taxes* · Terms and conditions apply*

10% OFF

Smart Plumbing & Drainage

6.96/Month
6.27
Per Month*
£49 Excess
£1000Annual limit
£250Per claim
What’s included
  • Internal plumbing emergency
  • Internal drainage system emergency
  • External water supply pipe blockage, collapse or leak
  • Advise on what actions to take to protect yourself and your home
  • Prevention an emergency causing further loss or damage to your home
What’s not included
  • General maintenance
  • Pre-existing damage/faults
  • Damage due to events which are not unforeseen
  • Origins of damage traced outside the property
  • Removal of sludge or hard water scale deposits
10% OFF

Smart Plumbing, Drainage & Electricals

10.00/Month
9.00
Per Month*
£49 Excess
£1000Annual limit
£250Per claim
What’s included
  • Internal plumbing emergency
  • Internal drainage system emergency
  • Internal electricals emergency
  • External water supply pipe blockage, collapse or leak
  • Advise on what actions to take to protect yourself and your home
  • Prevention an emergency causing further loss or damage to your home
What’s not included
  • General maintenance
  • Pre-existing damage/faults
  • Damage due to events which are not unforeseen
  • Origins of damage traced outside the property
  • Removal of sludge or hard water scale deposits
FEATURED Up to 50% OFF

Smart Home Essential

19.09/Month
10.90
Per Month*
£99 excess
UnlimitedAnnual limit
£500Per claim
What’s included
  • Emergency boiler breakdown
  • Internal gas supply pipe
  • Domestic Central Heating System
  • Internal Plumbing, Electricals and Drainage
  • External water supply pipe
  • Annual Boiler Service – Optional
  • Benefits vary based on cover levels, please refer to the comparison chart above & T&Cs.
What’s not included
  • Any Event Which Is Not an Emergency
  • General Maintenance work
  • Removal of limescale, sludge or debris or repairs caused by this.
  • Repairs where the Boiler breakdown results in the loss of domestic hot water provision only.
  • A Central heating boiler which has not been serviced within last 12 months.
  • Any Leaks which do not cause damage to the property
Compare Now

What a plumbing and drainage plan covers

What's included

  • Internal plumbing emergencies
  • Internal drainage system emergencies
  • External water supply pipe blockage, collapse or leak
  • Internal electricals emergencies (on selected plans)
  • Advice on actions to help protect yourself and your home
  • Emergency help to prevent further loss or damage

What's not included

  • General maintenance
  • Pre-existing damage or faults
  • Damage from events that are not unforeseen emergencies
  • Origins of damage traced outside the property
  • Removal of sludge or hard water scale deposits
  • Blockage of supply or waste pipes caused by freezing weather

This is a summary. Cover, benefits and limits vary by plan and are subject to the terms, conditions, exclusions and limits in your policy documents and Insurance Product Information Document (IPID).

Plumbing know-how

Plumbing & drainage emergencies we help with

The problems UK homeowners search for most. If one of these hits your home, an engineer can help with the covered emergency.

Burst or leaking pipe

Sudden bursts and leaks can flood a room fast. Turn off the water and get an engineer to the covered fault.

Blocked drain

Slow-draining sinks, gurgling or bad smells can point to a blockage in your internal drainage system.

External supply pipe fault

A blocked, collapsed or leaking external water supply pipe between the boundary and your home.

Overflow pipe leaking

A dripping overflow often signals a faulty valve or float in a tank or cistern that needs attention.

No water / loss of supply

An unexpected loss of water supply inside the home can leave you unable to wash, cook or flush.

Internal electrical fault

On the Electricals plan, a total emergency breakdown of your internal electrics is covered too.

What to do if a pipe bursts

A burst pipe can cause serious water damage in minutes. These five steps help limit the damage while your engineer is on the way.

01

Turn off the water

Shut off at the main stopcock to stop more water flooding in.

02

Switch off electrics

If water is near sockets or wiring, cut power at the consumer unit.

03

Drain the system

Run the cold taps and flush toilets to empty the pipes.

04

Contain the damage

Catch drips in buckets and move valuables and electricals clear.

05

Call for help

Ring the plumbing claims line on 03333 449 247 .

Which do I need?

Plumbing cover vs home emergency cover

A common question - here's the difference, so you can pick the right level of protection.

Plumbing & drainage cover

Focused protection for water-related emergencies

  • Internal plumbing emergencies
  • Internal drainage problems
  • External water supply pipe faults
  • Optional internal electricals
  • Lower monthly premium from £6.27

Home emergency cover

Broader whole-home protection

  • Everything in plumbing & drainage
  • Emergency boiler breakdown
  • Central heating & internal gas supply pipe
  • Optional annual boiler service
  • Unlimited annual claim limit on Smart Home

The right option depends on the level of protection you want. All benefits are subject to policy terms, conditions, limits and exclusions.

How a plumbing & drainage claim works

Notice an emergency? Call us before arranging your own repairs, unless you need to act immediately to protect your home or safety.

01

Call us

Ring the plumbing claims line on 03333 449 247 as soon as the emergency happens.

02

Confirm details

Give your policy details and describe the issue so we can review your claim.

03

Engineer arranged

A nationwide engineer is arranged to attend, subject to policy terms and limits.

04

Emergency resolved

The engineer works to fix the covered fault and help prevent further damage.

Water near electrics? Stay safe first

If a leak or flood reaches sockets, wiring or your consumer unit, switch off the electricity at the mains before touching anything and keep clear of standing water. Once it's safe, call the plumbing claims line on 03333 449 247 to arrange a covered repair.

Built for plumbing emergencies

What makes this plumbing and drainage cover different

Real policy features that matter when a pipe bursts or a drain backs up - not generic marketing promises.

External supply pipe included as standard

Blockage, collapse or leak of the external water supply pipe is covered on every plan - not sold as a separate add-on.

Low excess options

Choose £0 or £49 excess on plumbing plans, so you can control what you pay if you need to claim.

Add electricals when you need it

Step up to Smart Plumbing, Drainage & Electricals to bring internal electrical emergencies under the same plan.

Nationwide qualified engineers

Emergencies are attended by a nationwide network of qualified engineers, arranged through the plumbing claims line.

Price Match Promise

Found the same cover level at a lower price elsewhere? Tell us the provider, cover level and price within 14 days of purchase and, once verified, we'll refund the difference - just email enquiries@smart-cover.co.uk .

Talk to an expert

Not sure which plan fits?

Leave your details and one of our insurance experts will call to explain the benefits and exclusions, so you can choose the plumbing and drainage cover that's right for your home.

  • Gas Safe and qualified engineers, nationwide
  • Plans from £6.27, no ongoing contract tie-in
  • No obligation, no pressure to buy
Or call us directly 03333 449 559

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Key conditions that affect your cover

1

Waiting period

No claims can be made in the first 14 days of a homeowner policy, or 28 days of a landlord policy, from the commencement date.

2

Report within 24 hours

Notify us as soon as you notice a fault. Delays that increase repair costs or damage may lead to a declined claim.

3

No self-arranged repairs

All work must go through the claims line and an approved engineer, unless you need to act immediately to protect your home or safety.

4

Claim & excess limits

Claims are paid up to your plan's per-claim and annual limits, minus any excess and costs above the benefit provided.

Frequently asked questions

What is the difference between our plans?

Smart Cover offers different levels of home protection, depending on what you want to include.

Smart Plumbing & Drainage starts from £6.27 per month and focuses on plumbing and drainage emergencies. It includes an annual claim limit of £1,000 and a per claim limit of £250, subject to policy terms, conditions, limits and exclusions

Smart Plumbing, Drainage & Electricals starts from £9.00 per month and includes plumbing, drainage and certain internal electrical emergencies. It also has an annual claim limit of £1,000 and a per claim limit of £250.

Smart HomeEssential is shown from £10.90 per month with a £99 excess. It offers broader home emergency protection, including boiler breakdown, central heating, internal plumbing, electricals and drainage, external water supply pipe and optional annual boiler service.

What is plumbing and drainage cover?

Plumbing and drainage cover helps with certain emergency issues affecting your home’s plumbing or drainage system.

It is designed to support you when an unforeseen plumbing or drainage emergency happens, such as an internal plumbing problem, internal drainage issue or external water supply pipe blockage, collapse or leak.

The cover can also include advice on what action to take to help protect your home and prevent further loss or damage, subject to policy terms, conditions, limits and exclusions.

What does plumbing and drainage cover include?

Plumbing and drainage cover includes support for selected plumbing and drainage emergencies shown on the policy.

The plumbing-focused plans include:

  • Internal plumbing emergency
  • Internal drainage system emergency
  • External water supply pipe blockage, collapse or leak
  • Advice on actions to help protect your home
  • Help to prevent an emergency causing further loss or damage

Cover is subject to policy terms, conditions, limits and exclusions. You should check your policy documents to understand exactly what applies to your chosen plan.

Does home insurance cover plumbing and drainage issues?

Home insurance may cover some water damage, but it may not cover the cost of fixing the plumbing or drainage fault itself.

Plumbing and drainage cover is different because it is designed to help with certain emergency repairs linked to your plumbing or drainage system. Depending on the policy, Smart Cover’s plumbing-focused plans may include support for internal plumbing emergencies, internal drainage system emergencies, and external water supply pipe blockages, collapses, or leaks. Cover may also provide guidance on the steps to take to help protect yourself and your home, along with emergency assistance aimed at preventing further loss or damage to your property.

You should check both your home insurance policy and any plumbing and drainage policy so you know what is covered, what is excluded and which limits apply.

What’s the difference between plumbing cover and home emergency cover?

Plumbing cover focuses on plumbing and drainage-related emergencies, such as internal plumbing issues, internal drainage problems and external water supply pipe faults.

Home emergency cover is usually broader. For example, Smart HomeEssential is shown to include boiler breakdown, central heating, internal plumbing, electricals and drainage, external water supply pipe and optional annual boiler service.

The right option depends on the level of protection you want. All benefits are subject to policy terms, conditions, limits and exclusions.

How do I claim on plumbing and drainage cover?

To claim on plumbing and drainage cover, contact Smart Cover through the claims process as soon as you notice the emergency.

You can call03333 449 247and explain what has happened. The team will confirm your details, review the issue and explain what happens next.

You should avoid arranging your own repairs before speaking to Smart Cover, unless you need to take immediate action to protect your home or safety. Claims are handled subject to policy terms, conditions, limits and exclusions.

What’s not covered under plumbing and drainage insurance?

Plumbing and drainage insurance does not cover every type of plumbing or drainage issue.

The exclusions shown on the page include:

  • General maintenance
  • Pre-existing damage or faults
  • Damage caused by events that are not unforeseen emergencies
  • Origins of damage traced outside the property
  • Removal of sludge or hard water scale deposits

Your policy documents set out the full exclusions, limits and conditions. It is worth reading these before you buy so you understand when you can and cannot claim.

How much does plumbing and drainage cover cost in the UK?

The cost of plumbing and drainage cover in the UK can vary depending on the provider, level of cover, claim limits, excess amount, and whether you choose monthly or annual payments. Prices may also vary based on the selected plan and excess option. All prices shown include relevant taxes, and cover is subject to policy terms, conditions, limits, and exclusions

Helpful Articles & Tips on Plumbing and Drainage Insurance

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03 June 2026

What To Do If a Pipe Bursts in Your Home

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01 June 2026

Does Home Insurance Cover Plumbing Leaks?

Discover how home insurance typically covers plumbing leaks, what exclusions may apply, and when specialist Plumbing and Drainage Cover could help. Learn the difference between water damage cover and plumbing repair protection, plus key information UK hom

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25 May 2026

Understanding Plumbing Cover: A Practical Guide for UK Homeowners

Plumbing emergencies can happen without warning and often lead to unexpected repair costs. This guide explains how plumbing cover works, what is typically included, common exclusions, and how to compare policies to help protect your home from sudden leaks

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11 November 2025

Overflow Pipe Leaking: Causes and How to Fix It

Learn everything you need to know about overflow pipes, from why they leak to how to prevent future problems. This Smart Cover guide helps UK homeowners understand common causes, simple fixes, and when to call a professional plumber to protect their home

Read More about Overflow Pipe Leaking: Causes and How to Fix It

Welcome to Smart Cover

At Smart Cover we provide cover for a wide-range of insurance services. Choose the right insurance cover to build a policy that suits your requirements.

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