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
Company replied
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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
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Annual boiler service…
The company used for the annual service of my boiler is, as always, excellent. They are based in the village where I live and are friendly and efficient.
March 5, 2026
Unprompted review
Reply from Smart Cover
Hello Janette,
Thank you for your kind feedback. We’re delighted to hear that the annual boiler service was carried out smoothly and that the engineer provided friendly and efficient service.
We appreciate you taking the time to share your experience with us.
Kind regards,
The Smart Cover Team
Very nice and helpful gentleman…
Very nice and helpful gentleman assisted me and answered my queries.
March 6, 2026
Unprompted review
Reply from Smart Cover
Hello Neil,
Thank you for your feedback. We’re pleased to hear that our team member was able to assist you and answer your queries in a helpful and professional manner.
Thank you for taking the time to share your experience and for choosing Smart Cover Insurance.
Kind regards,
The Smart Cover Team
Katherine Hayes did a good Job
Katherine Hayes dealt with my claim, she was very efficient and courteous on the phone. My claim went through very quickly once I provided the required information. She was able to answer a query I had regarding one of the claims made , and I received payment within 5 days.
February 6, 2026
Unprompted review
Reply from Smart Cover
Hello Faye,
Thank you for your feedback. We’re pleased to hear that Katherine Hayes handled your claim efficiently and was able to assist with your queries. It’s great to know that the process moved quickly once the required information was provided and that the payment was received promptly.
We appreciate you taking the time to share your experience.
Kind regards,
The Smart Cover Team
The customer service staff that I have…
The customer service staff that I have dealt with have extensive knowledge about the product and always been extremely helpful.
March 1, 2026
Unprompted review
Reply from Smart Cover
Hello Kathy,
Thank you for your kind feedback. We’re pleased to hear that our customer service team has been helpful and able to provide knowledgeable support when assisting you.
We appreciate you taking the time to share your experience.
Kind regards,
The Smart Cover Team
Was such a nice person very helpful
Was such a nice person very helpful
February 27, 2026
Unprompted review
Reply from Smart Cover
Hello Margaret,
Thank you for your feedback. We’re pleased to hear that you found our team member helpful and that you had a positive experience with the service provided.
We appreciate you taking the time to share your review.
Kind regards,
The Smart Cover Team
Great
Because it was acted on very quickly and Kathryn in particular speeded things up so much so as I am receiving my replacement wshing machine today 28/2/26
February 28, 2026
Unprompted review
Handled quickly and to my satisfaction
Handled quickly and to my satisfaction. All correspondence has been promptly handled. This is the 2nd time I have made a claim over the years and have been very happy with the service on both occasions.
February 27, 2026
Unprompted review
Reply from Smart Cover
Hello Jackie,
Thank you for your feedback. We’re pleased to hear that your claim was handled quickly and to your satisfaction, and that communication throughout the process was prompt. It’s also great to know that both of your experiences with us over the years have been positive.
We appreciate you taking the time to share your review.
Kind regards,
The Smart Cover Team
The agent David Williams was excellent
The agent David Williams was excellent, and very helpful indeed.
February 27, 2026
Unprompted review
Reply from Smart Cover
Hello Frederick,
Thank you for your feedback. We’re pleased to hear that David Williams was able to assist you and provide helpful support.
We appreciate you taking the time to share your experience.
Kind regards,
The Smart Cover Team
Good
I was surprised that I needed to submit photos before an engineer visit could be authorised. But, once done, the visit was arranged promptly and the fault has been fixed.
February 24, 2026
Unprompted review
Reply from Smart Cover
Hello Julian,
Thank you for your feedback. We understand that the request to submit photos before authorising an engineer visit may have been unexpected, and we appreciate your cooperation in providing the information. We’re pleased to hear that once this was completed, the visit was arranged promptly and the fault was successfully fixed.
Thank you for taking the time to share your experience with us.
Kind regards,
The Smart Cover Team
Dishwasher Claim
Katherine Hayes was my case manager and she kept in touch re every stage of my claim for my broken dishwasher. It was fixed within a week of reporting it and she has assured me of my ongoing rights and cover in case it ever happens again.
February 23, 2026
Unprompted review
Reply from Smart Cover
Hello Rebecca,
Thank you for your review, Rebecca.
We’re really pleased to hear about your positive experience and that your dishwasher claim was handled quickly and smoothly. Keeping customers informed at every stage of the process is something we place strong importance on, so it’s great to know this came through in your experience.
We’ll also ensure your feedback is shared with Katherine for recognition of her support and case management.
Thank you for choosing Smart Cover Insurance, and we’re glad we could assist.
Kind regards,
The Smart Cover Team
Efficient service
Efficient service. Polite engineer. Whole process easy to go through. Katherine Hayes was very helpful when calling me
February 25, 2026
Unprompted review
Reply from Smart Cover
Hello ,
Thank you for your feedback. We’re pleased to hear that the whole process was easy and that our engineer provided a polite and efficient service. We’ll also pass on your kind words to Katherine Hayes, who will be glad to hear she was able to assist you effectively.
Thank you for sharing your experience and for choosing Smart Cover Insurance.
Kind regards,
The Smart Cover Team
Avoid
Wouldn't even give this a 1 star but cannot go down any further.
I have home emergency and boiler cover with this company and my heating / hot water went off last night. I called the 24/7 helpline and got answer machine / voicemail at 7pm.
No phonecall back, nothing until 8.45am the next morning.
Totally unacceptable, I have my 85 year old mother living with me. Just thankful the weather was not too cold or I dread to think. Had to bundle her up in blankets as it was. Cover cancelled, will find another company that actually fulfills its obligations.
Oh and phonecall at 8.45 was a foreign person who would not speak to me unless I gave him my policy number and date of birth?? Ridiculous, my policy number was left on the voicemail!! AVOID THIS COMPANY
February 24, 2026
Unprompted review
Katherine was extremely helpful.
Katherine was extremely helpful and followed up after the problem was resolved in a timely manner. She offered a good customer service.
February 8, 2026
Unprompted review
Reply from Smart Cover
Hello Christopher,
Thank you for your feedback. We’re delighted to hear that Katherine was able to assist you effectively and that her follow-ups provided a positive experience. We’ll be sure to pass on your kind words to her.
Thank you for sharing your experience and for choosing Smart Cover .
Kind regards,
The Smart Cover Team
The customer service team are kind and…
The customer service team are kind and knowledgeable . I spoke to Steve and 2 other colleagues. The engineer who was sent was excellent and the problem with the boiler was because of the engineer at my previous insurance cover , Corgi boiler cover had not done the most basic service requirement. The problem now is because of poor service at Corgi boiler maintenance insurance
February 18, 2026
Unprompted review
Reply from Smart Cover
Hello Liz,
Thank you for your feedback. We’re pleased to hear that our customer service team, including Steve, provided knowledgeable and kind support, and that the engineer resolved the issue with your boiler efficiently.
We understand your frustration regarding the previous service under your former provider and appreciate you taking the time to share your experience with us.
Thank you for choosing Smart Cover.
Kind regards,
The Smart Cover Team
Overall I was happy with the service…
Overall I was happy with the service but I would have liked to be kept informed of the engineer’s attendance rather than having to chase it up on couple of occasions. However, once the engineer came he was very good and polite and I can’t fault him at all
February 12, 2026
Unprompted review
Reply from Smart Cover
Hello Irena,
Thank you for your feedback. We’re glad to hear that the engineer provided a professional and polite service and that overall you were happy with your experience. We also appreciate your comments regarding communication about attendance, and we’ll use this to improve our updates so customers don’t have to follow up in the future.
Thank you for sharing your experience and for choosing Smart Cover Insurance.
Kind regards,
The Smart Cover Team
Was very happy with the boiler engineer…
Was very happy with the boiler engineer they sent to do my annual boiler service , James Peter, the claims handler for my boiler service from Assuranty, who are the service provider for Smart Cover made sure this was done without myself having to do anything, which took away any pressure.
January 23, 2026
Unprompted review
Reply from Smart Cover
Hello Brenda,
Thank you for your feedback. We’re delighted to hear that your annual boiler service went smoothly and that James Peter made the process stress-free for you. Our aim is to take the pressure off our customers and ensure every service is handled efficiently, so it’s great to know this was your experience.
Thank you for sharing your experience and for choosing Smart Cover Insurance.
Kind regards,
The Smart Cover Team
Efficient and friendly
January 30, 2026
Unprompted review
Reply from Smart Cover
Hello Alan,
Thank you for your feedback. We’re pleased to hear that you found our service efficient and friendly.
Thank you for choosing Smart Cover.
Kind regards,
The Smart Cover Team
After the first report they visited…
After the first report they visited within 3 hours and got the boiler working but was left with a leak which at the time they refused to fix i complained to a manager and they decided then to honour the repair once they agreed to honour it the part was ordered and fitted after a week . I would recommend the company but be prepared to have to fight ur case
February 11, 2026
Unprompted review
Reply from Smart Cover
Hello Lynne,
Thank you for sharing your experience. We’re glad that your boiler was quickly made operational and that the repair was ultimately completed. We do apologise for the initial inconvenience and understand that this caused some frustration.
We appreciate your feedback and will use it to continue improving our service processes. Thank you for your recommendation and for choosing Smart Cover Insurance.
Kind regards,
The Smart Cover Team
Mr Steve Lopez was the Claim Handler…
Mr Steve Lopez was the Claim Handler and impeccable professional gentleman of high credibility assertiveness a sense of responsibility and a person who lead from the front who understood my serious predicament as I had a home emergency that affected the elderly.
February 10, 2026
Unprompted review
Reply from Smart Cover
Hello,
Thank you for your feedback. We’re delighted to hear that Steve Lopez provided professional and responsible support during your home emergency. It’s great to know that his assistance helped you during such an important situation, and we’ll be sure to pass on your kind words to him.
Thank you for choosing Smart Cover Insurance.
Kind regards,
The Smart Cover Team
Mr A Rauf
Ms, Hayes, was very professional, positive and good at her job. Thanks
February 2, 2026
Unprompted review
Reply from Smart Cover
Hello,
Thank you for your kind feedback, Mr Rauf. We’re pleased to hear that Katherine Hayes provided a professional and positive service. Your appreciation means a great deal to us, and we’ll be sure to pass your comments on to her.
Kind regards,
The Smart Cover Team
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