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
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Still waiting
I contacted Smart Cover at 12 noon today to report that we had a blocked toilet. I stated that we had only one toilet in the house and that my wife and I are pensioners.
The operator insisted that we pay 3 months premiums in advance before taking our claim. We thus paid the additional money and told an engineer will call us when they are on there way.
Well it's nearly 11 o'clock at night and not a word from the company.
I've rang their 24/7 helpline on 03333449247 on numerous occasions and all we get is a recorded message saying that they are busy and leave a message. We we did leave many messages but still no one calls back.
We have paid our monthly premiums in good faith but have been so let down.
We don't have any family or friends nearby by to use their toilets.
What are we supposed to do?
Please can someone help us?
1 October 2025
Unprompted review
Reply from Smart Cover
Dear Terence Coakley,
We’re pleased to confirm that the issue reported on 1st October was fully resolved by 2nd October. We apologise for the initial difficulty in reaching our helpline and completely understand how stressful the situation was.
As soon as we became aware of the problem, our team escalated the matter internally, arranged immediate assistance, and ensured continuous updates until the repair was completed. This approach reflects how we handle all urgent claims — prioritising customer safety and satisfaction while addressing issues promptly.
Best regards,
The Smart Cover Team
I was very pleased with the response…
I was very pleased with the response after reporting a fault with my TV.
The claims handler, Katherine HAYES, arranged for a local technician, Paul, to contact me to discuss the fault and ultimately fix the problem. Katherine kept me updated and monitored progress.
I was impressed with the level of communication by Katherine and efficiency of the repair.
30 September 2025
Unprompted review
Reply from Smart Cover
Hi Michael,
Thank you for sharing your experience! We’re thrilled to hear that Katherine and Paul provided clear communication and efficient support. It’s great to know your TV fault was resolved smoothly, and that our team could make the process hassle-free for you.
Best regards,
The Smart Cover Team
Once the claim was being dealt with by…
Once the claim was being dealt with by Katherine Hayes an engineer was in contact and the fault repaired a week after making the initial call to smartcover.
26 September 2025
Unprompted review
Reply from Smart Cover
Dear Michael,
Thank you for taking the time to share your experience. We are pleased to hear that Katherine Hayes and our engineer were able to assist you and that the fault was resolved promptly.
We appreciate your feedback and are glad that your claim was handled efficiently.
Kind regards,
The Smart Cover Team
The worst ever company I have used the…
Con artists…. The worst ever company I have used the service is rubbish and staff so unprofessional, great way to answer the telephone (Hello) we have had no cooker working for 4 days now, firstly have to wait for approval then another waiting again for an engineer. Clear off Smart Cover go go domestic and General so much more professional, I have paid over £1200 for the last few years I have been with you. So £14.99 a month. And service has been awful. And to try and make a complaint is having a fight. This company should be investigated and closed down. Messing around with people’s money ( promise after promise but don’t deliver.
30 September 2025
Unprompted review
Rapid service
Quick service and made sure to keep me updated regularly. This was thanks to Katherine Hayes.
19 September 2025
Unprompted review
Reply from Smart Cover
Dear SA,
Thank you for your feedback! We’re glad to hear that Katherine provided timely updates and ensured your service was handled quickly. We’ll be sure to pass your kind words on to her.
Best regards,
The Smart Cover Team
Reply from Smart Cover
Hi Luke,
Thank you for your feedback! We’re glad to hear you had a great experience with Smart Cover.
Best regards,
The Smart Cover Team
Katherine Hayes was very helpful and…
Katherine Hayes was very helpful and friendly throughout.
23 September 2025
Unprompted review
Reply from Smart Cover
Hi Sarah,
Thank you for your feedback! We’re delighted to hear that Katherine was helpful and friendly throughout your experience. We’ll be sure to pass on your kind words to her.
Best regards,
The Smart Cover Team
Prompt and friendly people I am dealing…
Prompt and friendly people I am dealing with.
18 August 2025
Unprompted review
Reply from Smart Cover
Dear Nalina,
Thank you for your kind words! We’re glad to hear our team made your experience prompt and friendly. Your feedback means a lot to us.
Best regards,
The Smart Cover Team
Katherine was great and very expertise…
Katherine was great and very expertise in dealing with my claim, Paid the delivery charge and now waiting for my New 40" Television, great experince and thank you again
23 September 2025
Unprompted review
Reply from Smart Cover
Dear Kevin,
Thank you for your feedback! We’re delighted to hear that Katherine provided excellent support and that your claim process went smoothly. We hope you enjoy your new 40" television once it arrives!
Best regards,
The Smart Cover Team
Reply from Smart Cover
Dear Matt,
Thank you for your feedback! We’re delighted to hear that you found our service prompt and hassle-free. Our goal is always to make the process as quick and straightforward as possible for our customers.
Best regards,
The Smart Cover Team
Avoid at all cost.
I took out a Home Emergency Essentials contract for an annual premium of £189. Approximately 10 months in to the life of the policy I had a plumbing emergency whereby water was flowing from a faulty radiator valve. I called the emergency claim line - nothing, no response in over an hour of holding on. I ended up getting the services of a plumber on call-out.
I complained; the complaint was ignored, twice. I wrote to the Financial Conduct Authority who looked into it but said they could not act as Smart Cover are not regulated by the FCA. So that was a complete waste of £189. Avoid at all costs.
9 May 2025
Unprompted review
My problem was quickly fixed with a dishwasher
My problem was quickly fixed with an engineer coming out within a few days.
Katherine Hayes was very punctual in dealing with my claim.
17 September 2025
Unprompted review
Reply from Smart Cover
Dear Joyce,
Thank you for your kind words! We’re delighted that Katherine and our team were able to resolve your dishwasher issue quickly and efficiently. It’s always great to hear when our service meets expectations and provides a smooth claims experience.
Best regards,
The Smart Cover Team
As always Smart Cover was extremely…
As always Smart Cover was extremely helpful, best company to be with. Thanks a lot.
10 September 2025
Unprompted review
Reply from Smart Cover
Dear Rhys,
Thank you for your lovely feedback — we’re so pleased to hear you continue to find Smart Cover helpful. Your ongoing trust means a great deal to us. If there’s ever anything you need, just drop us a line at enquiries@smart-cover.co.uk
Warm regards,
The Smart Cover Team
Great response by Katherine
Great response by Katherine, dishwasher fault was repaired by the engineer within a few days of reporting the problem.
5 September 2025
Unprompted review
Reply from Smart Cover
Dear Richard,
Thank you for your kind feedback. We’re delighted to hear that Katherine supported you well and that your dishwasher was repaired promptly by our engineer. We’ll be sure to share your comments with the team.
Best regards,
The Smart Cover Team
Katherine kept me informed at all
Katherine kept me informed at all
times. Great customer care. Thank you
22 August 2025
Unprompted review
Reply from Smart Cover
Dear Ravinder,
Thank you for your kind words. We’re so pleased to hear that Katherine kept you well informed throughout and delivered the level of care we always strive for. We’ll be sure to share your feedback with her.
Best regards,
The Smart Cover Team
1st time I haven't been totally satisfied
I've been having my boiler serviced annually through Smart Cover and have always been satisfied with the process and service. However this year the service was completed in 10 minutes. Everything was ticked off as working on the sheet but I find it difficult to believe a thorough service can be carried out by 2 engineers in 10 minutes.
30 August 2025
Unprompted review
Reply from Smart Cover
Dear RP,
Thank you for your feedback and for being a loyal Smart Cover customer. We’re sorry to hear that your recent boiler service didn’t meet your expectations. Your concern about the duration of the service is completely understandable. We take feedback like this seriously and will review the visit with the engineers involved to ensure our services continue to meet the high standards you’ve come to expect.
If you’d like, we can arrange a follow-up inspection to give you additional reassurance that your boiler has been thoroughly checked. Please contact us at your convenience so we can assist further.
Best regards,
The Smart Cover Team
I would like to thank Katherine Hayes…
I would like to thank Katherine Hayes for organising and for being polite on our recent phone call regarding our boiler service.
3 September 2025
Unprompted review
Reply from Smart Cover
Dear Mr Styles,
Thank you for your kind words. We’re so pleased Katherine was able to assist you politely and efficiently with your boiler service. We’ll be sure to pass on your thanks to her.
Best regards,
The Smart Cover Team
Great service
12 August 2025
Unprompted review
Reply from Smart Cover
Dear Aisha,
Thank you for your feedback! We’re glad you were happy with the service.
Best regards,
The Smart Cover Team
Smart cover
We signed up with smart cover for boiler, plumbing &electrical cover & we contacted them this morning as we had an issue, Smart Cover informed us that we have been migrated to Home Tree, we contacted home tree, they informed us that we are only covered for emergency cover only!!! That is not we signed up for never again can use smart cover!!!! Not recommending Smart Cover!!!
28 August 2025
Unprompted review
Reply from Smart Cover
Dear Sudha,
Thank you for your review. Your policy has been transferred to Home Tree, who now manage your cover and claims. We’re sorry to hear that your recent experience with them did not meet your expectations. As the policy and claims are now managed by Home Tree, Smart Cover is unfortunately unable to take further action regarding this matter.
Kind regards,
The Smart Cover Team
Handled promptly and efficiently and…
Handled promptly and efficiently and were adaptable to suggestions.
My dealings were with Katherine Hayes who kept me informed and updated me on progress regularly, by email and by phone. When I recommended an alternative arrangement she was happy to suggest this to the insurer and this was acceptable to them.
A satisfying outcome
27 August 2025
Unprompted review
Reply from Smart Cover
Dear Robin,
Thank you for sharing your experience! We’re pleased to hear Katherine kept you well-informed and worked flexibly to achieve a solution that suited you. Your feedback means a lot to us.
Best regards,
The Smart Cover Team
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