Smart Cover Reviews 3,641

TrustScore 4.5 out of 5

4.3

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Review summary

Created with AI, based on recent reviews

Looking at 278 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their professionalism, helpfulness, and friendly demeanor, making interactions pleasant and efficient. The service provided is frequently described as excellent, with many appreciating the quick and efficient handling of claims, often exceeding expectations for speed. Reviewers are particularly impressed with the thoroughness of the engineers and the clear communication from the customer service team throughout the process. However, some people were dissatisfied with the response times, reporting long waits on hold or delays in getting issues resolved. A few other people also felt that the customer service was unhelpful or rude, and some experienced issues with policy coverage or engineer punctuality.

What people talk about most

Staff

Consumers find staff to be positive, with many reviewers highlighting the helpfulness and professionalism of... See more

Service

Clients share positive opinions on service, with many reviewers highlighting efficient and prompt service,... See more

Customer service

Reviewers highlight positive aspects of customer service, with many praising the kindness, helpfulness, and... See more

Claim

Reviewers mention positive feedback about claim, with many customers reporting a smooth and hassle-free... See more

Response time

Customers had ambiguous experiences with response times, with many praising the promptness and efficiency in... See more

Reviews shaping this summary

Rated 5 out of 5 stars

The Plumbers from Budget Drains in Nottingham were sent out to us and carried out the plumbing drainage work efficiently. They delivered a professional and reliable friendly service and we would re... See more

Company replied

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

  1. Insurance agency
  2. Heating service

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.


Contact info

4.3

Excellent

TrustScore 4.5 out of 5

4k reviews

5-star
4-star
3-star
2-star
1-star

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

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Rated 5 out of 5 stars

I was satisfied with the service I…

I was satisfied with the service I received from David. Many thanks.

26 November 2025
Unprompted review
Smart Cover logo

Reply from Smart Cover

Hi Brian,

Thank you for your feedback! We're glad to hear that you were satisfied with the service provided by David. We’ll be sure to pass on your thanks to him.

Kind regards,
The Smart Cover Team

Rated 5 out of 5 stars

Excellent support during my boiler issue

David who attended my call to sort the Boiler issue, was really friendly and knowledgeable about Boilers and knew exactly what needs to be done. Sorted to arrange for an engineer as soon as possible. Also he advised when the annual service need to be done next and when to book it. Very helpful. I will be happy to renew the cover next year again.

26 November 2025
Unprompted review
Smart Cover logo

Reply from Smart Cover

Hi Jenson,

Thank you for taking the time to share your experience! We’re delighted to hear that David was friendly, knowledgeable, and able to assist with your boiler issue. It’s great to know you found the advice about your annual service helpful, and we look forward to supporting you again when you renew your cover next year.

Kind regards,
The Smart Cover Team

Rated 3 out of 5 stars

So far not great

Smart cover have so far been difficult to pin down. I took out my policy on 3rd October & requested & paid for a boiler service. I'm still waiting for it. Last week I chased the issue up again for the 3rd time & was asked to find an engineer myself & they would cover the cost up to a certain value. I haven't had success at finding a local engineer though I've made numerous calls. Anyone willing to do the service has a long waiting list. When I rang Smartcover again today to update them & ask them how long it will take them to find an engineer I was given a different number to ring, for a company called Assuranty. When I rang that number Assuranty said they have no connection with Smartcover. So I had to go through Smartcovers automated system & queue again to speak to someone. They told me my order for a boiler service had been put on hold as they were relying on me to find someone. So time consuming & frustrating. David, the last phone operator, was understanding & helpful. He asked me to leave this review.

25 November 2025
Unprompted review
Rated 4 out of 5 stars

David was very helpful and organized a…

David was very helpful and organized a drain company to attend the same day to clear the sewage overflow in my garden, great result thanks.

18 November 2025
Unprompted review
Smart Cover logo

Reply from Smart Cover

Hi Val,

Thank you for sharing your feedback. We’re delighted to hear that David was able to assist quickly and organize same-day support to resolve the sewage overflow. It’s great to know the outcome was satisfactory, and we’ll be sure to pass on your kind words to him.

Kind regards,
The Smart Cover Team

Rated 5 out of 5 stars

The dishwasher

Dealt with in a very efficient helpful timely way by Katherine

18 November 2025
Unprompted review
Smart Cover logo

Reply from Smart Cover

Hi Elaine,

Thank you for taking the time to leave your feedback. We’re delighted to hear that Katherine was able to handle your dishwasher claim efficiently and in a timely manner. We’ll be sure to pass on your kind words to her.

Kind regards,
The Smart Cover Team

Rated 5 out of 5 stars

Thankyou David Williams (Customer…

Thankyou David Williams (Customer Service) for a smooth, stress-free cancellation of my policy.
Usually you get pressured into staying and not cancelling which has put me off ever using a company again.
David was very easy to talk to and understand.
Thankyou !
Julie Bannister

17 November 2025
Unprompted review
Smart Cover logo

Reply from Smart Cover

Hi Julie,

Thank you for sharing your experience. We’re pleased to hear that David was able to make your policy cancellation smooth and stress-free. We’ll pass on your kind words to him, and we appreciate your feedback.

Kind regards,
The Smart Cover Team

Rated 5 out of 5 stars

Great service from Katherine

Kathrine seemlessly organised my boiler servicing so that it occurred during a scheduled repair. It saved me a day off work.

4 November 2025
Unprompted review
Smart Cover logo

Reply from Smart Cover

Hi Roy,

Thank you for sharing your feedback. We’re delighted to hear that Katherine was able to organise your boiler service so efficiently and help save you a day off work. We’ll be sure to pass on your kind words to her.

Kind regards,
The Smart Cover Team

Rated 5 out of 5 stars

Appliance Support

Katherine was supportive and professional throughout my claim.

29 September 2025
Unprompted review
Smart Cover logo

Reply from Smart Cover

Hi Jill,

Thank you for your feedback. We’re pleased to hear that Katherine provided supportive and professional assistance throughout your claim. We’ll make sure your kind words are passed on to her.


Kind regards,
The Smart Cover Team

Rated 4 out of 5 stars

Logged leakage problem on Thursday and…

Logged leakage problem on Thursday and fixed by the following Thursday. Kept informed and engineer did his job. All good

6 November 2025
Unprompted review
Smart Cover logo

Reply from Smart Cover

Hi John,

Thank you for sharing your experience. We’re glad to hear that your leakage issue was resolved promptly and that you were kept informed throughout the process. We’ll pass your kind words on to the engineer involved.

Kind regards,
The Smart Cover Team

Rated 5 out of 5 stars

Very helpful KATHERINE HAYES I’m very…

Very helpful KATHERINE HAYES I’m very satisfied the way she delt with my claim

8 November 2025
Unprompted review
Smart Cover logo

Reply from Smart Cover

Hi Mr. Kaduji,

Thank you so much for your kind feedback! We’re delighted to hear that Katherine was able to support you so efficiently and that you were satisfied with the way your claim was handled.

We truly appreciate you taking the time to share your experience.

Kind regards,
The Smart Cover Team

Rated 5 out of 5 stars

David Williams was an excellent

David Williams was an excellent

12 November 2025
Unprompted review
Smart Cover logo

Reply from Smart Cover

Hi Mandy,

Thank you for your review! We’re really pleased to hear that David Williams provided excellent service. We appreciate you taking the time to share your experience.

Kind regards,
The Smart Cover Team

Rated 1 out of 5 stars

NO STARS: Appalling Customer Service and Administrative Failings – Avoid SmartCover

I’ve been paying monthly for a SmartCover service plan that’s supposed to cover my washing machine and tumble dryer. When my washing machine broke down recently, I called to arrange a repair — only to be told that they couldn’t help because the washing machine they have on their system isn’t the one I actually own.

That’s because SmartCover replaced my original machine in 2022 after several failed repair attempts, but they never updated their records. Now, they’ve lost the paperwork and are refusing to honour my cover unless I can somehow “prove” that the replacement was supplied by them — which is absurd, because it was their own contractor who delivered it.

I’ve provided the email confirming that a replacement was approved, yet they continue to deny responsibility. Their customer service team have been rude, repeatedly spoken over me, and treated me like I’m trying to cheat the system, when the fault is entirely theirs.

I’ve paid my premiums faithfully for years, but the moment I need help, I’m stonewalled. I’ve now had to raise a formal complaint and am preparing to escalate to the Financial Ombudsman Service.

If you’re thinking about taking out a plan with SmartCover, don’t — the cover is worthless if they can just lose their records and refuse service.
PLEASE NOTE, I DO NOT EVEN GIVE THEM 1 STAR!!!! It kills me to select the one star option but that is the lowest one available.

12 November 2025
Unprompted review
Rated 5 out of 5 stars

I spoke to David Williams and he was…

I spoke to David Williams and he was very helpful .
Signed a policy today and very happy with the service

11 November 2025
Unprompted review
Smart Cover logo

Reply from Smart Cover

Hi Margaret,

Thank you for sharing your lovely feedback! We're delighted to hear that David was helpful and that you felt confident signing up for your policy. We're pleased to have you on board and are always here to support you whenever you need us.

Kind regards,
The Smart Cover Team

Rated 5 out of 5 stars

David Williams

David Williams was very helpful. The people i spoke with over previous days were not helpful in fact they were very demanding. Today David was explanatory and helpful. Thankyou..🙂

11 November 2025
Unprompted review
Smart Cover logo

Reply from Smart Cover

Hi Diane,

Thank you for taking the time to share your experience. We’re really pleased to hear that David was able to provide the clear, helpful support you needed. We’re sorry to learn that your earlier interactions didn’t meet the standard we aim for, and we truly appreciate you bringing this to our attention.

Your feedback helps us improve, and we’re glad David was able to turn things around for you. If you need any further assistance, we’re always here to help.

Kind regards,
The Smart Cover Team

Rated 5 out of 5 stars

very helpful

very helpful

5 November 2025
Unprompted review
Smart Cover logo

Reply from Smart Cover

Hi Mrs Turner,

Thank you for your review! We’re delighted to hear that you found our service helpful. If there’s ever anything more we can assist you with, we’re always here to help.

Kind regards,
The Smart Cover Team

Rated 1 out of 5 stars

Be very careful if you are a Landlord

Be very careful if you are a Landlord. If your tenant does not report a problem IMMEDIATELY then Smart Cover will NOT treat it as an emergency and will refuse to sanction the repair.
When I asked for the time frame for emergency reporting they had no answer.
Very unimpressed with this wriggle out.

4 November 2025
Unprompted review
Smart Cover logo

Reply from Smart Cover

Dear Mary-Frances Dorward,

Thank you for taking the time to share your feedback. We completely understand your concern and are sorry for any inconvenience caused.

After reviewing the case, we found that the issue had been ongoing for some time rather than arising suddenly at the point of claim. As such, it could not be classified as a home emergency under the policy terms. For clarity, emergencies should be reported as soon as they occur, so we can assess them promptly and determine if they meet the emergency criteria.

We appreciate your feedback, as it helps us continue to improve clarity and service for all our customers.

Kind regards,
The Smart Cover Team

Rated 5 out of 5 stars

A Great Company to Manage your Home Maintenance at Great Price

I have only been with this company since April and have found that the Customer Service Team are really helpful and caring. They answer the phone promptly, deal with any queries quickly and efficiently and follow up constantly to ensure their contractors contact you to book in and carry out any jobs in a timely manner and also to ensure you are happy with the work.
I especially would like to commend David and Steve on the help and due care and attention they have shown me with the 2 claims I have made so far.

3 November 2025
Unprompted review
Smart Cover logo

Reply from Smart Cover

Hi Annette,

Thank you so much for your wonderful review! We’re delighted to hear that your experience with us since April has been positive and that our customer service team has been able to support you promptly and efficiently.

It’s especially great to know that David and Steve provided the care and attention you deserved while handling your claims. We’ll make sure your kind words are passed on to them.

We truly appreciate your trust in us and look forward to continuing to support you whenever you need us.

Kind regards,
The Smart Cover Team

Rated 5 out of 5 stars

Rang to cancel policy

Rang to cancel policy, as had some problems with company. Spoke to David Williams, very professional. Cancelled the policy from my renewal date and sent me a confirmation e mail, as requested

4 November 2025
Unprompted review
Smart Cover logo

Reply from Smart Cover

Hi Catherine,

Thank you for sharing your feedback. We’re sorry to hear that you experienced some difficulties but are pleased to know that David was able to assist you professionally and process your cancellation exactly as requested.

If you ever decide to return in the future, we’ll be here to help. Wishing you all the best.

Kind regards,
The Smart Cover Team

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