Smart Cover
Smart Cover is a UK insurance provider selling targeted policies rather than full home insurance. Its cover includes household appliances, home emergencies, landlord emergencies and motor breakdown, and it can also protect the excess on other policies. It suits homeowners, landlords and drivers who want protection against one specific problem, bought and managed online.
3offersNewest deal 19th August 2026
★ Our pick
50%OFF
Our pick at Smart Cover
Up to 50% off boiler, heating, home care and appliance cover
Why this one: The biggest saving of the 3 offers here. Picks follow these rules; nobody pays for them.
Smart Cover offers3
More ways to save at Smart Cover
- Join No formal named schemeWhile there isn't a formal named loyalty programme, Smart Cover aims to offer competitive premium rates as recognition of customer loyalty, especially when new products launch, ensuring peace of mind.
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About Smart Cover
The main policies
Appliance insurance covers kitchen and household machines against mechanical or electrical breakdown and accidental damage, with an engineer sent from a UK-wide network. Home emergency cover helps with sudden problems such as a boiler failure, a plumbing leak, lost keys or a total loss of power. Landlord insurance gives rental properties an emergency fix, with special rates for owners of several homes. Motor breakdown cover provides roadside help 24/7, with a stated average wait of 60 to 90 minutes. Excess protection covers the excess on car, home or travel policies from any UK insurer.
Buying and managing a policy
Policy documents arrive by email straight after purchase. An online account lets you update your details, view documents and follow existing claims. Payment is by Visa, Mastercard or Direct Debit, and Smart Cover runs a price match promise.
Good to know
Smart-Cover Direct Limited runs the business, which started in 2013 and is based in Watford. The Financial Conduct Authority authorises and regulates the firm. Every policy has a cooling-off period for cancellations, with the full terms included in your documents. You can phone the helplines on six days of the week.
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Smart Cover quick facts
| Delivery | Instant policy documents via email |
|---|---|
| Returns | As an insurance provider, Smart Cover's policies are subject to specific terms and conditions, including a cooling-off period during which customers may cancel their policy. Full details are provided with policy documents upon purchase. |
| Payment methods | Visa, Mastercard, Direct Debit |
| Loyalty scheme | No formal named scheme |
| Founded | 2013 |
| Headquarters | United Kingdom |
| Parent company | Smart-Cover Direct Limited |
| Stores | Online only |
Smart Cover contact
- Website
- smart-cover.co.uk
- Phone
- 0333 220 2060
- Hours
- Monday-Friday 9am-5pm
Smart Cover FAQs
Is Smart Cover regulated?
Yes. The Financial Conduct Authority authorises and regulates Smart Cover, whose company name is Smart-Cover Direct Limited.
Can I cancel a Smart Cover policy after buying?
Policies include a cooling-off period during which you can cancel. The exact terms come with your policy documents.
How quickly does breakdown help arrive?
Smart Cover quotes an average wait of 60 to 90 minutes for roadside recovery under its motor breakdown cover, which runs 24/7.
How do I pay for a Smart Cover policy?
Smart Cover takes Visa and Mastercard payments, and Direct Debit is also available for spreading the cost.
