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Choose the right insurance cover to build a policy that suits your requirements.

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

Rapid Claims
Process

Price Match Promise

Price Match
Promise

24/7 Support

24/7
Support

Nationwide Engineers

Nationwide
Engineers

Home protected by Smart Cover home insurance and emergency cover
Two families using kitchen appliances — one taking food from a fridge, another baking cookies in an oven — illustrating Home appliance insurance

Home Appliance Cover

Insure Your Appliances Today !

Appliance insurance protects the kitchen appliances that you can’t do without! In the event of a breakdown, having appliance insurance will safeguard your electrical, domestic and household appliances.

Appliances We Cover

Home Emergency Cover

Get Your Boiler covered !

A boiler is an important part of any home. Save money, time and effort with Smart Cover’s boiler breakdown insurance cover.

  • Protection Plans for heating, Boiler and much more !
  • Annual Claim Limit upto £5000
  • 5 star rated Home Emergency Cover
  • 24/7 Support Emergency Cover
  • UK Customer Service Team
  • Nationwide Coverage

Emergencies We Cover

Technicians repairing central heating system and boiler as part of Home Emergency Cover services
Visual concept for landlord's home emergency insurance showing UK terraced houses and a close-up of a hand inserting a key into a door lock

Landlord’s Cover

Landlord's Home Emergency Insurance

Get cover against the cost of call-out fees and repairs for things like boiler breakdown, blocked drains, burst pipes, plumbing, electrical failures and much more

Our Landlords Home Emergency cover protects you against the cost of call-out charges, labor, parts, and materials – as well as emergency alternative accommodation for your tenants.

A policy designed to provide an emergency fix and prevent further damage to your property. If you have more than one property, Talk to our representatives and get a better price.

Emergencies We Cover

Pricing Plans

Find the right cover for you

Landlord cover

Starting from
£0.49

Per Day

  • Up to £500 per claim
  • Plumbing & Drainage
  • Electrical
  • External Locks
  • Doors & Windows
  • Boiler Breakdown
  • Central Heating Cover
  • Pests
  • Alternative Accommodation
Compare Plans

* Coverage & Scope of Plans may vary

Boiler Cover

Starting from
£8.49

Per Month

  • £250 Claim Limit
  • £25 Excess
  • Gas safe registered engineers
  • Fast breakdown response
  • Boilers up to 10 years
  • 24/7 Support
Compare Plans

* Coverage & Scope of Plans may vary

Home Emergency Cover

Starting from
£9.49

Per Month

  • Annual claim limit up to £1000
  • £25 Excess
  • Plumbing & Drainage
  • Electrical Emergency
  • External Locks
  • Doors & Windows
  • Blocked pipes
Compare Plans

* Coverage & Scope of Plans may vary

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A man is calling motor breakdown cover support after his car broke down.

Motor Breakdown Cover

Roadside assistance when vehicle breaks down

Experiencing a motor breakdown can be stressful and frightening. Cover with us ensures that help will be on its way when you need it most! With an average call-out time of just 60 minutes, you’ll soon be back on the road.

We cover

Testimonials

What Our Customers are Saying?

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Margaret Watson

Thank you Mike

The man sent from Smart Cover Steven Tomlin was articulate kept me included with what he was doing. Polite and respectful. Could not ask for better. Mike from Smart Cover was good at getting this person to do job.
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Chris

Smart Cover boiler service

Great boiler service organised by Mike., I was kept up to date during the whole process of arranging the service.. Mike kept me informed with dates & times , very efficient & professional!
trustpilot user icon
A K

Resolved heating problem

Gas engineer arrived next day after reporing the problem to smart cover customer care team. He was quick to identify the heating problem and resolved the issue.
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