I had to use my home emergency cover for a pest infestation we had. Although Smartcover were non committal on the turn around time for a visit from the pest control services, they came the very next... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
James Peter serviced my boiler. He was friendly, efficient & informed me of what he was doing. He spent a good amount of time servicing which was not like other boiler engineers who do a quick 10 min... See more
Great experience, very quick service from initial contact with smartcover to the engineer’s arrival within two days. The job was sorted in one visit. Thank you Katherine Hayes the claims handler who m... See more
Company replied
The person who dealt with our claim was Katherine Hayes. We made the claim on-line on Sunday afternoon and the whole job was completed by Tuesday afternoon. Katherine dealt with out initial contact... See more
Company replied
Company details
Written by the company
Smart Cover is a UK-based insurance provider specialising in home emergency cover - Boiler breakdown protection, Heating cover and Appliance Breakdown cover. Fairly priced with great customer support and our UK-wide network of approved engineers - giving homeowners and landlords genuine peace of mind when the unexpected happens. Benefits of using Smart cover 1. Price match promise 2. 24/7 customer support 3. Best Home emergency cover 4. Best Boiler Cover 5. Landlord Home emergency cover 6. Best Appliance cover 7. FCA Registered 8. Nationwide Gas Safe registered Engineers 9. Over 13 years old in the Insurance Business.
Contact info
Citibase, 42 – 44 Clarendon Road, Watford, WD17 1JJ, Watford, United Kingdom
- 03333449559
- enquiries@smart-cover.co.uk
- smart-cover.co.uk
4.3
Excellent
4K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 35% of negative reviews
Typically replies within 1 week
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Honestly please don't use this company
Honestly please don't use this company
I join them and paid for the top package to cover everything in my Home and paid is all up from as they told me I couldn't pay monthly.
I now have any electrical fault in my property with the upstairs lights.
And they won't fix it due to it not being a full failure in my property.
Who pays to cover hal of there home honestly worse company going
May 9, 2026
Unprompted review
Reply from Smart Cover
Hello,
Thank you for taking the time to leave your review. We’re sorry to hear you are dissatisfied with the outcome of your claim.
Your case was reviewed and assessed in line with the information provided when you first reported the issue and the details available at that time. Based on this, the issue reported did not meet the criteria for authorisation under the policy.
We appreciate this is not the outcome you were hoping for, however we are satisfied that the claim was handled correctly and in accordance with our standard claims process.
If you would like this reviewed further, you can contact our customer service team with your policy details and we will ensure it is looked at again.
Kind regards,
The Smart Cover Team
Had a leak
Had a leak, sorted out quickly, even though a bank holiday weekend.
May 1, 2026
Unprompted review
Reply from Smart Cover
Hello Jamie Lee,
Thank you for taking the time to leave your feedback.
We’re pleased to hear your issue was resolved quickly, especially over a bank holiday weekend.
We really appreciate you sharing your experience.
Kind regards,
The Smart Cover Team
Efficient and prompt service from Assuranty
Efficient and prompt service from Assuranty. Agent Katherine Hayes provided a very good service. Attending engineer Jay was highly efficient and completed all repairs to an excellent standard.
May 5, 2026
Unprompted review
Reply from Smart Cover
Hello Mark,
Thank you for taking the time to leave your feedback.
We’re pleased to hear you were happy with the service provided by our service provider. It’s great to know Katherine and engineer Jay delivered a prompt and efficient experience and that the repairs were completed to a high standard.
We really appreciate you sharing your experience.
Kind regards,
The Smart Cover Team
Great Experience!
Really great experience! And really easy to talk to you.
April 30, 2026
Unprompted review
Reply from Smart Cover
Hello Mensah,
Thank you for taking the time to leave your feedback.
We’re really pleased to hear you had a great experience and found it easy to speak with our team. It’s always good to know we were able to provide a smooth and positive service.
We really appreciate you sharing your experience.
Kind regards,
The Smart Cover Team
10/20
Got my boiler covered was such great service definitely will insure my other items.
May 2, 2026
Unprompted review
Reply from Smart Cover
Hello Tamia,
Thank you for taking the time to leave your feedback.
We’re pleased to hear you were happy with the service and that your boiler cover experience has been positive. It’s great to know you’re considering protecting your other items with us as well.
We really appreciate you sharing your experience.
Kind regards,
The Smart Cover Team
Have washing machine cover
Have washing machine cover, amazing service, highly recommend
May 2, 2026
Unprompted review
Reply from Smart Cover
Hello Muhammad,
Thank you for taking the time to leave your feedback.
We’re really pleased to hear you’re happy with your washing machine cover and that you’ve had a positive experience with our service. It’s great to know you would recommend us.
We really appreciate you sharing your experience.
Kind regards,
The Smart Cover Team
Top service
Got my washing machine covered yesterday and everything was so fast and efficient. Highly recommend!
May 1, 2026
Unprompted review
Reply from Smart Cover
Hello Tamiaa,
Thank you for taking the time to leave your feedback.
We’re really pleased to hear your washing machine cover was arranged quickly and that you found the service fast and efficient. It’s great to know you would highly recommend us.
We really appreciate you sharing your experience.
Kind regards,
The Smart Cover Team
Very good service
Very good service, have boiler cover and all issues were sorted fast
May 2, 2026
Unprompted review
Reply from Smart Cover
Hello Hashim,
Thank you for taking the time to leave your feedback.
We’re really pleased to hear you’re happy with your boiler cover and that any issues were resolved quickly. It’s great to know you’ve had a positive experience with our service.
We really appreciate you sharing your experience.
Kind regards,
The Smart Cover Team
David Williams
David Williams, was extremely professional and went above and beyond to resolve my issues. Highly recommended service.
May 1, 2026
Unprompted review
Reply from Smart Cover
Hello David,
Thank you for taking the time to leave your feedback.
We’re really pleased to hear you had a positive experience and that David provided such professional support and went above and beyond to help resolve your issue.
We really appreciate you sharing your experience and your recommendation.
Kind regards,
The Smart Cover Team
Excellent service from customer service…
Excellent service from claims advisor, Katherine Hayes and Steve the engineer.
April 28, 2026
Unprompted review
Reply from Smart Cover
Hello Alison,
Thank you for taking the time to leave your feedback.
We’re really pleased to hear you were happy with the service provided by our team. It’s great to know Katherine Hayes and engineer Steve delivered a positive and efficient experience.
We really appreciate you sharing your experience.
Kind regards,
The Smart Cover Team
Kathryn HAYES was the telephone…
Kathryn HAYES was the telephone handler. She organised do our new fridge. She was polite, professional and got things organised double quick. Thank you to Kathryn.
April 23, 2026
Unprompted review
Reply from Smart Cover
Hello PB,
Thank you for taking the time to leave your feedback.
We’re really pleased to hear you had a positive experience and that Kathryn was able to assist you efficiently in arranging your new fridge. It’s great to know the service was handled promptly and professionally.
We really appreciate you sharing your experience.
Kind regards,
The Smart Cover Team
Katherine Hayes was very helpful in…
Katherine Hayes was very helpful in resolving our appliance issue.
April 28, 2026
Unprompted review
Reply from Smart Cover
Hello Joytpal,
Thank you for taking the time to leave your feedback.
We’re pleased to hear Katherine was very helpful in resolving your appliance issue. It’s great to know you received a positive and supportive experience.
We really appreciate you sharing your experience.
Kind regards,
The Smart Cover Team
Very Helpful and polite
April 25, 2026
Unprompted review
Reply from Smart Cover
Hello David,
Thank you for taking the time to leave your feedback.
We’re really pleased to hear you found our team helpful and polite. It’s always good to know we’ve provided a positive experience.
We really appreciate you sharing your experience.
Kind regards,
The Smart Cover Team
We had an issue with our central heating boiler
We had an issue with our central heating. The central heating wouldn't come on but we had hot water. Contacted smart cover who sent an engineer out the day after....all good. However, the engineer (didn't tell us) reported to smart cover that it would cost over £500 (cover limit) to fix and so smart sure wanted to condem it as it wasn't worth fixing. I understood this, However, I noticed that we now didn't have hot water at all. So, I checked the hot tap upstairs, it was hot water but not downstairs? Then I tried the boiler again, it came on and the central heating was working? There must be an intermittent fault somewhat certainly not condemned. I contacted smart cover and explained that there must be an intermittent fault but the hot water downstairs still doesn't come on. I was told that the boiler doesn't cover hot water only the central heating and as its working they wouldn't send an engineer out. I am now having to buy a new boiler as i might be chasing a fault that I have no idea how much I will cost.
They will do anything to get out of paying to see if it can be fixed rather than getting a second opinion on repair.
UPDATE.... The engineer contacted last night to say he could fix the boiler outside of Smart Cover if I wanted it fixing. I informed him that Smart Cover where refusing to go ahead as the cost was over £500. He sent me his quote which was for a PCB at £227.48, £150 labour and £75for the original call out. This is a total of £452.48. I had already paid them £60 excess fee to get them to send someone out. He couldn't understand why they had said this to me. Disgraceful and please don't use them.
April 23, 2026
Unprompted review
Satisfied customer
David Williams was very professional with handling my enquiry, he explained what will happen and left me feeling satisfied with the outcome.
April 22, 2026
Unprompted review
Reply from Smart Cover
Hello Mary,
Thank you for your feedback. We’re pleased to hear that David Williams handled your enquiry professionally and provided clear explanations, leaving you satisfied with the outcome.
We appreciate you taking the time to share your experience.
Kind regards,
The Smart Cover Team
David Williams was very helpful
David Williams was very helpful and patient
April 22, 2026
Unprompted review
Reply from Smart Cover
Hello Paul,
Thank you for your feedback. We’re pleased to hear that David Williams was helpful and patient while assisting you.
We appreciate you taking the time to share your experience.
Kind regards,
The Smart Cover Team
David Williams helpful
David Williams helpful, patient and dealt with my enquiry very well. Many thanks
2nd time iv enquired to this company and 1st time using the service.
April 17, 2026
Unprompted review
Reply from Smart Cover
Hello Shazana,
Thank you for your feedback. We’re pleased to hear that David Williams was helpful and patient, and that your enquiry was handled well.
It’s also great to know that this was your first time using the service and that you’ve had a positive experience so far.
Thank you for taking the time to share your review.
Kind regards,
The Smart Cover Team
I recently had a claim for my washing…
I recently had a claim for my washing machine with Smart Cover, and I’m pleased to say the process was handled smoothly from start to finish.
The cash settlement was processed efficiently, and everything was clearly communicated throughout. I’d especially like to thank Katherine Hayes, who was my claims handler, for her support and professionalism. She kept me informed at every stage and made the whole experience straightforward.
Overall, a positive experience and I appreciate the service provided.
April 20, 2026
Unprompted review
Reply from Smart Cover
Hello Waqas,
Thank you for your detailed feedback. We’re pleased to hear that your washing machine claim was handled smoothly from start to finish and that the cash settlement process was completed efficiently.
It’s great to know that Katherine Hayes provided professional support and kept you informed throughout, helping make the experience straightforward. We’ll be sure to pass on your kind words to her.
We appreciate you taking the time to share your experience.
Kind regards,
The Smart Cover Team
I had a quick response and the matter…
I had a quick response and the matter was dealt with promptly ijhh
April 16, 2026
Unprompted review
Reply from Smart Cover
Hello Elizabeth,
Thank you for your feedback. We’re pleased to hear that you received a quick response and that your matter was dealt with promptly.
We appreciate you taking the time to share your experience.
Kind regards,
The Smart Cover Team
The engineer showd up when they said…
The engineer showd up when they said they would be here I was impressed how quick I was sent a message to say that my repair had been logged and they would be in touch with the date and time a engineer would be here to repair my washer dryer they arrived and carried out the repair swiftly very pleased with how it all went from start to finished thankyou smart cover
April 16, 2026
Unprompted review
Reply from Smart Cover
Hello Theresa,
Thank you for your feedback. We’re pleased to hear that the engineer arrived as scheduled and that you were kept informed throughout the process from logging your repair through to arranging the visit.
It’s great to know the repair on your washer dryer was completed quickly and that you were happy with the overall service from start to finish.
We appreciate you taking the time to share your experience.
Kind regards,
The Smart Cover Team
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