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.
Dishwasher
spoke to David Williams who dealt with my dishwasher claim. he was polite, friendly and very helpful
29 January 2026
Unprompted review
Reply from Smart Cover
Hi Jean,
Thank you for taking the time to leave your feedback. We’re pleased to hear that David was polite, friendly, and helpful in dealing with your dishwasher claim. We’ll be sure to pass on your kind comments to him.
Kind regards,
The Smart Cover Team
My emergency blocked drains was made…
My emergency blocked drains was made easy with David guiding me every step of the way and made sure the contractor was with me in four hours after my claim was logged
David also called me back to make sure that I was happy and that the work was done satisfactory and I will be recommending the company to my friends
26 January 2026
Unprompted review
Reply from Smart Cover
Hello,
Thank you for your wonderful feedback, Nora.
We’re thrilled to hear that David guided you throughout the process and ensured the contractor attended quickly. It’s great to know he also followed up to make sure everything was completed to your satisfaction. Your recommendation means a lot to us thank you for trusting Smart Cover!
Kind regards,
Smart Cover Team
Excellent service at a competitive price
Excellent service at a competitive price
26 January 2026
Unprompted review
Reply from Smart Cover
Hi Darren,
Thank you for your kind feedback. We’re delighted to hear you found our service excellent and competitively priced. Your support is greatly appreciated.
Kind regards,
The Smart Cover Team
Supportive staff.
Supportive staff.
I called to claim for a blocked drain, but was told that the insurance I took was for emergencies.
As a good gesture, David Williams was kind enough to support me with the cover, as I was very upset that I had taken the wrong insurance cover. He promised to get an engineer to sort the drain issue for me
23 January 2026
Unprompted review
Reply from Smart Cover
Hello,
Thank you for sharing your experience, Ms Oyefeso.
We’re glad David could support you and help resolve the drain issue, even though the cover wasn’t the right one initially. Going the extra mile to assist our customers is exactly what we aim for, and we’re pleased it made a positive difference for you.
Kind regards,
Smart Cover Team
Katherine Hayes
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 in an excellent and professional manner. The claim was approved quickly (by Monday mid-morning) and an engineer got in touch on Monday evening to make arrangements to visit on Tuesday and deal with the problem.
1 January 2026
Unprompted review
Reply from Smart Cover
Hi,
Thank you for taking the time to share your experience. We’re really pleased to hear that Katherine Hayes handled your claim efficiently and professionally, and that the issue was resolved so quickly from start to finish. We’ll be sure to pass on your kind feedback to Katherine.
Kind regards,
The Smart Cover Team
Claim and problem was sorted out within 24 hours
Claim and problem was sorted out within 24 hours.
Excellent service, plumber was great
19 January 2026
Unprompted review
Reply from Smart Cover
Hi Kevin,
Thank you for taking the time to leave your review. We’re delighted to hear that your claim was resolved within 24 hours and that you were happy with the service provided by the plumber.
We really appreciate your feedback and your kind words.
Kind regards,
The Smart Cover Team
Problem sorted given 4 stars not 5 as…
Problem sorted given 4 stars not 5 as the boiler is repaired today is a Tuesday and I reported the issue on Friday night with a message as no one replied and called again on Saturday morning I was told that an engineer will visit the tenants on Monday although was mentioned that they have 2 young children in a cold weather no heating or hot water, the tenant was called on Monday ti arrange an appointment that was given on Tuesday another day of delay don’t mention that the engineer was confused us with another customer saying that I have to pay for parts, the customer service solved the problem at the end thanks to Steve who answered the phone
20 January 2026
Unprompted review
Reply from Smart Cover
Hello,
Thank you for your feedback, Hadir.
We’re glad to hear that Steve was able to assist and get the boiler issue resolved in the end. We do apologise for the initial delays and confusion this isn’t the experience we aim to provide, especially when it impacts families in difficult conditions. Your feedback is valuable and will help us improve our processes going forward.
Kind regards,
Smart Cover Team
Excellent Customer Service from Katherine Hayes.
I’ve been a Smart Cover customer for around seven years and wanted to highlight the excellent service I received on my recent tumble dryer claim.
Katherine Hayes handled my claim from start to finish and kept me informed at every stage, including updates about an engineer delay. When the appliance couldn’t be repaired, she quickly provided replacement options. I requested a cash settlement to upgrade to a more energy-efficient dryer, which Katherine approved without hesitation.
The entire process was completed in just four days — well within the stated 7–14 day timeframe. I’m absolutely delighted with the service and very impressed with Katherine’s professionalism and efficiency. It made what can often be a stressful process a genuinely positive experience.
19 January 2026
Unprompted review
Reply from Smart Cover
Hi Jasmine,
Thank you so much for your detailed and thoughtful review. We’re delighted to hear that Katherine provided such excellent support throughout your tumble dryer claim and kept you fully informed at every stage.
It’s great to know the process was completed well within the expected timeframe and that the cash settlement option worked perfectly for your upgrade plans. We’ll be sure to pass on your kind words to Katherine ,she’ll be thrilled to hear them.
Thank you for being a loyal Smart Cover customer over the years. Your feedback truly means a lot to us.
Kind regards,
The Smart Cover Team
Wash Machine Repairs
Brilliant service received from Katherine Hayes, excellent follow ups and proactive.
19 January 2026
Unprompted review
Reply from Smart Cover
Hi Watson,
Thank you for taking the time to leave such a great review. We’re really pleased to hear that you received brilliant service from Katherine and that her proactive approach and follow-ups made a positive difference.
We’ll be sure to pass on your kind feedback to her. Thanks again for choosing Smart Cover.
Kind regards,
The Smart Cover Team
Not very happy
My wife initially phoned your company, but was told you couldn't speak with her as the policy is in my name. While I was talking with your agent, I pointed out that the policy is, in fact, in both our names!
Although your man tried hard, I'm afraid I found it difficult to communicate with him due to his accent.
Hopefully, he has now put the claim in motion but as it is now Friday, he said nothing can be done until next week!!!! So the food in our fridge/freezer will deteriorate!
16 January 2026
Unprompted review
Good service offered by Smart Cover…
Good service offered by Smart Cover especially KATHERINE HAYES who assisted me throughout the process. Identified parts for repairs were sourced in a timely manner during the Christmas break of 2025.
16 January 2026
Unprompted review
Reply from Smart Cover
Hello Scott,
Thank you so much for your kind feedback. We’re delighted to hear that Katherine provided excellent support and kept you informed throughout your tumble dryer claim. Managing delays transparently and helping customers find the best outcome is something we take seriously, and we’re pleased this resulted in a positive experience for you.
We’ll be sure to pass on your lovely comments to Katherine. Thank you for choosing Smart Cover.
Kind regards,
The Smart Cover Team
Service generally good
Service generally good. Had difficulty contacting the mai n office at times though.
15 January 2026
Unprompted review
Reply from Smart Cover
Hello,
Thank you for your feedback, Scott.
We’re pleased to hear that you found our service generally good. We do apologise for the difficulty in contacting our main office at times your comments will help us improve accessibility and response times for all our customers.
Kind regards,
Smart Cover Team
Amazing customer service and amazing prices
I normally only write reviews if things go wrong but in this case I felt I had to write this one. I was a customer of another well known insurer of domestic appliances but switched to Smartcover as the other insurer wanted £15 pm to cover my cooker. Smartcover have covered it for half that price. On the 12/1 the heating element went in my cooker, I put the claim in on the 13/1. Today the repair has been completed. The last time the same thing happened with the other insurer it was over 3 weeks to get my appliance repaired. I am absolutely astounded by the level of customer service I have received. If anyone is thinking about getting appliances insured with Smartcover, my advice would be to do it, you absolutely won’t regret it at all. The lady who dealt with it was called Katherine Hayes and she was amazing throughout. I’m still genuinely amazed how quick the repair was carried out. I can’t say it enough, these guys are the real deal. Great prices and customer service is second to none
15 January 2026
Unprompted review
Reply from Smart Cover
Hello Rachel,
Thank you so much for taking the time to share such a detailed and positive review. We’re truly delighted to hear about your experience and that the repair to your cooker was completed so quickly after your claim was submitted.
Providing reliable cover at a fair price, alongside prompt and supportive service, is exactly what we aim to deliver, so it’s great to know this stood out—especially in comparison to your previous insurer.
We’re especially pleased to hear your kind words about Katherine Hayes. She takes great pride in supporting customers throughout their claims, and your feedback will certainly be shared with her.
Thank you for choosing Smart Cover and for recommending us to others—it really does mean a lot to the team.
Kind regards,
The Smart Cover Team
David executed my request immediately
15 January 2026
Unprompted review
Reply from Smart Cover
Hi M. FitzGibbon,
Thank you for taking the time to leave a review. We’re pleased to hear that David was able to act on your request immediately and provide the prompt support you expected.
We’ll be sure to share your feedback with David it’s always encouraging for our team to hear when their efforts are appreciated.
Kind regards,
The Smart Cover Team
As I pay monthly I had to pay the…
As I pay monthly I had to pay the remaining months which is understandable but Steve was understanding and explaining everything great service and locksmith attended very quickly. I would highly recommend them
Thank you
11 January 2026
Unprompted review
Reply from Smart Cover
Hello Annie,
Thank you for your lovely feedback, Annie.
We’re really pleased to hear that Steve took the time to clearly explain everything and support you through the process that’s exactly the level of service we aim to provide.
We’re also glad the locksmith was able to attend quickly and resolve the issue for you. Your recommendation truly means a lot to us, and we appreciate you choosing Smart Cover.
Kind regards,
Smart Cover Team
i would like to give a review on David…
i would like to give a review on David Williams the customer service agent i have spoke to the past few days he has really helped and supported me with my problem with the boiler
12 January 2026
Unprompted review
Reply from Smart Cover
Hello,
Thank you for your kind words, Carol.
We’re delighted to hear that David Williams was able to support you and assist with your boiler issue. We’ll be sure to pass your feedback on to him it’s always great for the team to hear that their efforts make a real difference!
Kind regards,
Smart Cover Team
Excellent customer service from…
Excellent customer service from Katherine Hayes, kept well informed of what was happening and when engineer would call.
9 January 2026
Unprompted review
Reply from Smart Cover
Hello,
Thank you for your wonderful feedback, Mrs Porter.
We’re thrilled to hear that Katherine Hayes kept you well informed throughout the process and provided excellent support. We’ll be sure to pass on your kind words it means a lot to the team!
Kind regards,
Smart Cover Team
Reply from Smart Cover
Hello Yasin.
Thank you for your kind words.
We’re delighted to hear that Katherine was able to assist you and provide helpful support. We’ll be sure to pass on your feedback to her it’s always great for the team to hear!
Kind regards,
Smart Cover Team
Great service
Great service, Katherine Hayes was very helpful and friendly. The engineer arrived on time, was very polite and fixed the issue quickly!
7 January 2026
Unprompted review
Reply from Smart Cover
Hello,
Thank you for your fantastic feedback, Carly.
We’re thrilled to hear that Katherine was helpful and friendly, and that the engineer attended promptly and resolved the issue quickly. We’ll be sure to pass your kind words on to the team it really means a lot!
Kind regards,
Smart Cover Team
Terrible service!
Terrible service!! Purchased appliance insurance for peace of mind in the event of a breakdown. Now I've been 3 weeks without a washer. No repair & no solution. Customer service is terrible. Constantly told its under review & will be in contact asap. Do not waste your money on these insurers!!
9 January 2026
Unprompted review
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