Katherine Hayes was my case manager and she kept in touch re every stage of my claim for my broken dishwasher. It was fixed within a week of reporting it and she has assured me of my ongoing rights an... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
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
Katherine Hayes was so helpful! I really appreciate your patience while I considered our options. We were so happy to get our replacement machine today having not been able to wash clothes for over 2... 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.
Contact info
Citibase, 42 – 44 Clarendon Road, Watford, WD17 1JJ, Watford, United Kingdom
- 03333449559
- enquiries@smart-cover.co.uk
- smart-cover.co.uk
4.2
Great
4K reviews
Replied to 42% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Good communication
Good communication, both with the engineer when I had to reschedule and with Katharine at Assuranty. Very satisified with the experience.
8 May 2026
Unprompted review
Katherine Hayes made the process much…
Katherine Hayes made the process much easier for me by guiding me through payments etc.
First time I've had to claim and wasn't sure how to go about things. But Katherine made me feel at ease and the outcome of my claim was sorted.
Thanks again.
15 May 2026
Unprompted review
A person from a company to repair it and he didn't even repair it
A person came out to repair it and it's still the same issue because me and my wife are both in wheelchairs we need the washing machine to be fixed because the local laundry isn't wheelchair access and it's been over 9 days now with out a washing machine and the person came out was a waste of space
1 May 2026
Unprompted review
Katherine was an excellent at keeping…
Katherine was an excellent at keeping us updated and speedily progressing our issue thank u
14 May 2026
Unprompted review
Honestly please don't use this company
Honestly please don't use this company
I join them and paid for the top package to cover everything in my Home and paid is all up from as they told me I couldn't pay monthly.
I now have any electrical fault in my property with the upstairs lights.
And they won't fix it due to it not being a full failure in my property.
Who pays to cover hal of there home honestly worse company going
9 May 2026
Unprompted review
Reply from Smart Cover
Hello,
Thank you for taking the time to leave your review. We’re sorry to hear you are dissatisfied with the outcome of your claim.
Your case was reviewed and assessed in line with the information provided when you first reported the issue and the details available at that time. Based on this, the issue reported did not meet the criteria for authorisation under the policy.
We appreciate this is not the outcome you were hoping for, however we are satisfied that the claim was handled correctly and in accordance with our standard claims process.
If you would like this reviewed further, you can contact our customer service team with your policy details and we will ensure it is looked at again.
Kind regards,
The Smart Cover Team
Had a leak
Had a leak, sorted out quickly, even though a bank holiday weekend.
1 May 2026
Unprompted review
Reply from Smart Cover
Hello Jamie Lee,
Thank you for taking the time to leave your feedback.
We’re pleased to hear your issue was resolved quickly, especially over a bank holiday weekend.
We really appreciate you sharing your experience.
Kind regards,
The Smart Cover Team
Efficient and prompt service from Assuranty
Efficient and prompt service from Assuranty. Agent Katherine Hayes provided a very good service. Attending engineer Jay was highly efficient and completed all repairs to an excellent standard.
5 May 2026
Unprompted review
Reply from Smart Cover
Hello Mark,
Thank you for taking the time to leave your feedback.
We’re pleased to hear you were happy with the service provided by our service provider. It’s great to know Katherine and engineer Jay delivered a prompt and efficient experience and that the repairs were completed to a high standard.
We really appreciate you sharing your experience.
Kind regards,
The Smart Cover Team
Great Experience!
Really great experience! And really easy to talk to you.
30 April 2026
Unprompted review
Reply from Smart Cover
Hello Mensah,
Thank you for taking the time to leave your feedback.
We’re really pleased to hear you had a great experience and found it easy to speak with our team. It’s always good to know we were able to provide a smooth and positive service.
We really appreciate you sharing your experience.
Kind regards,
The Smart Cover Team
10/20
Got my boiler covered was such great service definitely will insure my other items.
2 May 2026
Unprompted review
Reply from Smart Cover
Hello Tamia,
Thank you for taking the time to leave your feedback.
We’re pleased to hear you were happy with the service and that your boiler cover experience has been positive. It’s great to know you’re considering protecting your other items with us as well.
We really appreciate you sharing your experience.
Kind regards,
The Smart Cover Team
Have washing machine cover
Have washing machine cover, amazing service, highly recommend
2 May 2026
Unprompted review
Reply from Smart Cover
Hello Muhammad,
Thank you for taking the time to leave your feedback.
We’re really pleased to hear you’re happy with your washing machine cover and that you’ve had a positive experience with our service. It’s great to know you would recommend us.
We really appreciate you sharing your experience.
Kind regards,
The Smart Cover Team
Top service
Got my washing machine covered yesterday and everything was so fast and efficient. Highly recommend!
1 May 2026
Unprompted review
Reply from Smart Cover
Hello Tamiaa,
Thank you for taking the time to leave your feedback.
We’re really pleased to hear your washing machine cover was arranged quickly and that you found the service fast and efficient. It’s great to know you would highly recommend us.
We really appreciate you sharing your experience.
Kind regards,
The Smart Cover Team
Very good service
Very good service, have boiler cover and all issues were sorted fast
2 May 2026
Unprompted review
Reply from Smart Cover
Hello Hashim,
Thank you for taking the time to leave your feedback.
We’re really pleased to hear you’re happy with your boiler cover and that any issues were resolved quickly. It’s great to know you’ve had a positive experience with our service.
We really appreciate you sharing your experience.
Kind regards,
The Smart Cover Team
David Williams
David Williams, was extremely professional and went above and beyond to resolve my issues. Highly recommended service.
1 May 2026
Unprompted review
Reply from Smart Cover
Hello David,
Thank you for taking the time to leave your feedback.
We’re really pleased to hear you had a positive experience and that David provided such professional support and went above and beyond to help resolve your issue.
We really appreciate you sharing your experience and your recommendation.
Kind regards,
The Smart Cover Team
Excellent service from customer service…
Excellent service from claims advisor, Katherine Hayes and Steve the engineer.
28 April 2026
Unprompted review
Reply from Smart Cover
Hello Alison,
Thank you for taking the time to leave your feedback.
We’re really pleased to hear you were happy with the service provided by our team. It’s great to know Katherine Hayes and engineer Steve delivered a positive and efficient experience.
We really appreciate you sharing your experience.
Kind regards,
The Smart Cover Team
Kathryn HAYES was the telephone…
Kathryn HAYES was the telephone handler. She organised do our new fridge. She was polite, professional and got things organised double quick. Thank you to Kathryn.
23 April 2026
Unprompted review
Reply from Smart Cover
Hello PB,
Thank you for taking the time to leave your feedback.
We’re really pleased to hear you had a positive experience and that Kathryn was able to assist you efficiently in arranging your new fridge. It’s great to know the service was handled promptly and professionally.
We really appreciate you sharing your experience.
Kind regards,
The Smart Cover Team
Katherine Hayes was very helpful in…
Katherine Hayes was very helpful in resolving our appliance issue.
28 April 2026
Unprompted review
Reply from Smart Cover
Hello Joytpal,
Thank you for taking the time to leave your feedback.
We’re pleased to hear Katherine was very helpful in resolving your appliance issue. It’s great to know you received a positive and supportive experience.
We really appreciate you sharing your experience.
Kind regards,
The Smart Cover Team
Very Helpful and polite
25 April 2026
Unprompted review
Reply from Smart Cover
Hello David,
Thank you for taking the time to leave your feedback.
We’re really pleased to hear you found our team helpful and polite. It’s always good to know we’ve provided a positive experience.
We really appreciate you sharing your experience.
Kind regards,
The Smart Cover Team
We had an issue with our central heating boiler
We had an issue with our central heating. The central heating wouldn't come on but we had hot water. Contacted smart cover who sent an engineer out the day after....all good. However, the engineer (didn't tell us) reported to smart cover that it would cost over £500 (cover limit) to fix and so smart sure wanted to condem it as it wasn't worth fixing. I understood this, However, I noticed that we now didn't have hot water at all. So, I checked the hot tap upstairs, it was hot water but not downstairs? Then I tried the boiler again, it came on and the central heating was working? There must be an intermittent fault somewhat certainly not condemned. I contacted smart cover and explained that there must be an intermittent fault but the hot water downstairs still doesn't come on. I was told that the boiler doesn't cover hot water only the central heating and as its working they wouldn't send an engineer out. I am now having to buy a new boiler as i might be chasing a fault that I have no idea how much I will cost.
They will do anything to get out of paying to see if it can be fixed rather than getting a second opinion on repair.
UPDATE.... The engineer contacted last night to say he could fix the boiler outside of Smart Cover if I wanted it fixing. I informed him that Smart Cover where refusing to go ahead as the cost was over £500. He sent me his quote which was for a PCB at £227.48, £150 labour and £75for the original call out. This is a total of £452.48. I had already paid them £60 excess fee to get them to send someone out. He couldn't understand why they had said this to me. Disgraceful and please don't use them.
23 April 2026
Unprompted review
Satisfied customer
David Williams was very professional with handling my enquiry, he explained what will happen and left me feeling satisfied with the outcome.
22 April 2026
Unprompted review
Reply from Smart Cover
Hello Mary,
Thank you for your feedback. We’re pleased to hear that David Williams handled your enquiry professionally and provided clear explanations, leaving you satisfied with the outcome.
We appreciate you taking the time to share your experience.
Kind regards,
The Smart Cover Team
David Williams was very helpful
David Williams was very helpful and patient
22 April 2026
Unprompted review
Reply from Smart Cover
Hello Paul,
Thank you for your feedback. We’re pleased to hear that David Williams was helpful and patient while assisting you.
We appreciate you taking the time to share your experience.
Kind regards,
The Smart Cover Team
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