Our product ratings for Smart Cover Insurance
Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.
Home emergency cover
8 products reviewed
Boiler Breakdown Cover
8 products reviewed
- Premium Smart Home Plus
- Premium Smart Home
- Premium Smart Heating
- Premium Smart Boiler
- Essential Smart Home
- Essential Smart Home Plus
- Essential Smart Boiler
- Essential Smart Heating
Smart Cover Insurance
Premium Smart Home Plus
| Feature | Value |
|---|---|
| Minimum excess |
£0.00
|
| Premium (minimum excess applied) |
£37.33
|
| No claims period (Boiler) |
14.00
|
| Boiler repair cover limit |
Unlimited
|
| No claims period |
14.00 days
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. |
As stated on Policy Schedule
|
| Getting access and reinstatement |
£0.00
|
| Type of pricing |
Static
|
| Maximum excess |
£99.00
|
| Premium (maximum excess applied) |
£25.56
|
| Underwriter |
City & Commercial Insurance Company (PCC) Limited
|
| Unoccupied period |
30
|
| Individual call out cover limit for boiler repairs |
£1,000.00
|
| Time limit |
N/A
|
| Temporary emergency heating |
£40.00
|
| Boiler age exclusions |
No exclusion
|
| No claims period for boiler replacement |
14.00
|
| Boiler replacement (BER) within 0-4 years cover limit |
As stated on Policy Schedule
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
As stated on Policy Schedule
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
As stated on Policy Schedule
|
| Boiler replacement (BER) within 8-10 years cover limit |
£0.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£4.00
|
| Primary flue | Yes |
| Boiler controls | No |
| Alternative accommodation cover |
£200.00
|
| Internal gas supply pipe cover | Yes |
| Annual boiler service |
Optional
|
| Repairs guarantee |
Not Mentioned
|
| 24/7 claims helpline | Yes |
| Primary heating system | Yes |
| Date of price collection |
2026-03-24
|
| Plumbing & drainage cover | Yes |
| Electrical breakdown | Yes |
| Pest | Yes |
| Security | Yes |
Smart Cover Insurance
Premium Smart Home
| Feature | Value |
|---|---|
| Minimum excess |
£0.00
|
| Premium (minimum excess applied) |
£33.23
|
| No claims period (Boiler) |
14.00
|
| Boiler repair cover limit |
Unlimited
|
| No claims period |
14.00 days
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. |
As stated on Policy Schedule
|
| Getting access and reinstatement |
£0.00
|
| Type of pricing |
Static
|
| Maximum excess |
£99.00
|
| Premium (maximum excess applied) |
£22.12
|
| Underwriter |
City & Commercial Insurance Company (PCC) Limited
|
| Unoccupied period |
30
|
| Individual call out cover limit for boiler repairs |
£1,000.00
|
| Time limit |
N/A
|
| Temporary emergency heating |
£40.00
|
| Boiler age exclusions |
No exclusion
|
| No claims period for boiler replacement |
14.00
|
| Boiler replacement (BER) within 0-4 years cover limit |
As stated on Policy Schedule
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
As stated on Policy Schedule
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
As stated on Policy Schedule
|
| Boiler replacement (BER) within 8-10 years cover limit |
£0.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£4.00
|
| Primary flue | Yes |
| Boiler controls | No |
| Alternative accommodation cover |
£200.00
|
| Internal gas supply pipe cover | Yes |
| Annual boiler service |
Optional
|
| Repairs guarantee |
Not Mentioned
|
| 24/7 claims helpline | Yes |
| Primary heating system | Yes |
| Date of price collection |
2026-03-24
|
| Plumbing & drainage cover | Yes |
| Electrical breakdown | Yes |
| Pest | No |
| Security | No |
Smart Cover Insurance
Premium Smart Heating
| Feature | Value |
|---|---|
| Minimum excess |
£0.00
|
| Premium (minimum excess applied) |
£30.20
|
| No claims period (Boiler) |
14.00
|
| Boiler repair cover limit |
Unlimited
|
| No claims period |
14.00 days
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. |
As stated on Policy Schedule
|
| Getting access and reinstatement |
£0.00
|
| Type of pricing |
Static
|
| Maximum excess |
£99.00
|
| Premium (maximum excess applied) |
£20.10
|
| Underwriter |
City & Commercial Insurance Company (PCC) Limited
|
| Unoccupied period |
30
|
| Individual call out cover limit for boiler repairs |
£1,000.00
|
| Time limit |
N/A
|
| Temporary emergency heating |
£40.00
|
| Boiler age exclusions |
No exclusion
|
| No claims period for boiler replacement |
14.00
|
| Boiler replacement (BER) within 0-4 years cover limit |
As stated on Policy Schedule
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
As stated on Policy Schedule
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
As stated on Policy Schedule
|
| Boiler replacement (BER) within 8-10 years cover limit |
£0.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£4.00
|
| Primary flue | Yes |
| Boiler controls | No |
| Alternative accommodation cover |
£200.00
|
| Internal gas supply pipe cover | Yes |
| Annual boiler service |
Optional
|
| Repairs guarantee |
Not Mentioned
|
| 24/7 claims helpline | Yes |
| Primary heating system | Yes |
| Date of price collection |
2026-03-24
|
| Plumbing & drainage cover | No |
| Electrical breakdown | No |
| Pest | No |
| Security | No |
Smart Cover Insurance
Premium Smart Boiler
| Feature | Value |
|---|---|
| Minimum excess |
£0.00
|
| Premium (minimum excess applied) |
£28.18
|
| No claims period (Boiler) |
14.00
|
| Boiler repair cover limit |
Unlimited
|
| No claims period |
14.00 days
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. |
As stated on Policy Schedule
|
| Getting access and reinstatement |
£0.00
|
| Type of pricing |
Static
|
| Maximum excess |
£99.00
|
| Premium (maximum excess applied) |
£18.08
|
| Underwriter |
City & Commercial Insurance Company (PCC) Limited
|
| Unoccupied period |
30
|
| Individual call out cover limit for boiler repairs |
£1,000.00
|
| Time limit |
N/A
|
| Temporary emergency heating |
£40.00
|
| Boiler age exclusions |
No exclusion
|
| No claims period for boiler replacement |
14.00
|
| Boiler replacement (BER) within 0-4 years cover limit |
As stated on Policy Schedule
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
As stated on Policy Schedule
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
As stated on Policy Schedule
|
| Boiler replacement (BER) within 8-10 years cover limit |
£0.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£2.00
|
| Primary flue | No |
| Boiler controls | No |
| Alternative accommodation cover |
£200.00
|
| Internal gas supply pipe cover | Yes |
| Annual boiler service |
Optional
|
| Repairs guarantee |
Not Mentioned
|
| 24/7 claims helpline | Yes |
| Primary heating system | No |
| Date of price collection |
2026-03-24
|
| Plumbing & drainage cover | No |
| Electrical breakdown | No |
| Pest | No |
| Security | No |
Smart Cover Insurance
Essential Smart Home
| Feature | Value |
|---|---|
| Minimum excess |
£0.00
|
| Premium (minimum excess applied) |
£28.18
|
| No claims period (Boiler) |
14.00
|
| Boiler repair cover limit |
Unlimited
|
| No claims period |
14.00 days
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. |
As stated on Policy Schedule
|
| Getting access and reinstatement |
£0.00
|
| Type of pricing |
Static
|
| Maximum excess |
£99.00
|
| Premium (maximum excess applied) |
£19.09
|
| Underwriter |
City & Commercial Insurance Company (PCC) Limited
|
| Unoccupied period |
30
|
| Individual call out cover limit for boiler repairs |
£500.00
|
| Time limit |
N/A
|
| Temporary emergency heating |
£40.00
|
| Boiler age exclusions |
No exclusion
|
| No claims period for boiler replacement |
14.00
|
| Boiler replacement (BER) within 0-4 years cover limit |
As stated on Policy Schedule
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
As stated on Policy Schedule
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
As stated on Policy Schedule
|
| Boiler replacement (BER) within 8-10 years cover limit |
£0.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£3.00
|
| Primary flue | Yes |
| Boiler controls | No |
| Alternative accommodation cover |
£200.00
|
| Internal gas supply pipe cover | Yes |
| Annual boiler service |
Optional
|
| Repairs guarantee |
Not Mentioned
|
| 24/7 claims helpline | Yes |
| Primary heating system | Yes |
| Date of price collection |
2026-03-24
|
| Plumbing & drainage cover | Yes |
| Electrical breakdown | Yes |
| Pest | No |
| Security | No |
Smart Cover Insurance
Essential Smart Home Plus
| Feature | Value |
|---|---|
| Minimum excess |
£0.00
|
| Premium (minimum excess applied) |
£31.98
|
| No claims period (Boiler) |
14.00
|
| Boiler repair cover limit |
Unlimited
|
| No claims period |
14.00 days
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. |
As stated on Policy Schedule
|
| Getting access and reinstatement |
£0.00
|
| Type of pricing |
Static
|
| Maximum excess |
£99.00
|
| Premium (maximum excess applied) |
£22.35
|
| Underwriter |
City & Commercial Insurance Company (PCC) Limited
|
| Unoccupied period |
30
|
| Individual call out cover limit for boiler repairs |
£500.00
|
| Time limit |
N/A
|
| Temporary emergency heating |
£40.00
|
| Boiler age exclusions |
No exclusion
|
| No claims period for boiler replacement |
14.00
|
| Boiler replacement (BER) within 0-4 years cover limit |
As stated on Policy Schedule
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
As stated on Policy Schedule
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
As stated on Policy Schedule
|
| Boiler replacement (BER) within 8-10 years cover limit |
£0.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£3.00
|
| Primary flue | Yes |
| Boiler controls | No |
| Alternative accommodation cover |
£200.00
|
| Internal gas supply pipe cover | Yes |
| Annual boiler service |
Optional
|
| Repairs guarantee |
Not Mentioned
|
| 24/7 claims helpline | Yes |
| Primary heating system | Yes |
| Date of price collection |
2026-03-24
|
| Plumbing & drainage cover | Yes |
| Electrical breakdown | Yes |
| Pest | Yes |
| Security | Yes |
Smart Cover Insurance
Essential Smart Boiler
| Feature | Value |
|---|---|
| Minimum excess |
£0.00
|
| Premium (minimum excess applied) |
£24.14
|
| No claims period (Boiler) |
14.00
|
| Boiler repair cover limit |
Unlimited
|
| No claims period |
14.00 days
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. |
As stated on Policy Schedule
|
| Getting access and reinstatement |
£0.00
|
| Type of pricing |
Static
|
| Maximum excess |
£99.00
|
| Premium (maximum excess applied) |
£14.04
|
| Underwriter |
City & Commercial Insurance Company (PCC) Limited
|
| Unoccupied period |
30
|
| Individual call out cover limit for boiler repairs |
£500.00
|
| Time limit |
N/A
|
| Temporary emergency heating |
£40.00
|
| Boiler age exclusions |
No exclusion
|
| No claims period for boiler replacement |
14.00
|
| Boiler replacement (BER) within 0-4 years cover limit |
As stated on Policy Schedule
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
As stated on Policy Schedule
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
As stated on Policy Schedule
|
| Boiler replacement (BER) within 8-10 years cover limit |
£0.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£1.00
|
| Primary flue | No |
| Boiler controls | No |
| Alternative accommodation cover |
£200.00
|
| Internal gas supply pipe cover | Yes |
| Annual boiler service |
Optional
|
| Repairs guarantee |
Not Mentioned
|
| 24/7 claims helpline | Yes |
| Primary heating system | No |
| Date of price collection |
2026-03-24
|
| Plumbing & drainage cover | No |
| Electrical breakdown | No |
| Pest | No |
| Security | No |
Smart Cover Insurance
Essential Smart Heating
| Feature | Value |
|---|---|
| Minimum excess |
£0.00
|
| Premium (minimum excess applied) |
£26.16
|
| No claims period (Boiler) |
14.00
|
| Boiler repair cover limit |
Unlimited
|
| No claims period |
14.00 days
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. |
As stated on Policy Schedule
|
| Getting access and reinstatement |
£0.00
|
| Type of pricing |
Static
|
| Maximum excess |
£99.00
|
| Premium (maximum excess applied) |
£16.06
|
| Underwriter |
City & Commercial Insurance Company (PCC) Limited
|
| Unoccupied period |
30
|
| Individual call out cover limit for boiler repairs |
£500.00
|
| Time limit |
N/A
|
| Temporary emergency heating |
£40.00
|
| Boiler age exclusions |
No exclusion
|
| No claims period for boiler replacement |
14.00
|
| Boiler replacement (BER) within 0-4 years cover limit |
As stated on Policy Schedule
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
As stated on Policy Schedule
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
As stated on Policy Schedule
|
| Boiler replacement (BER) within 8-10 years cover limit |
£0.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£3.00
|
| Primary flue | Yes |
| Boiler controls | No |
| Alternative accommodation cover |
£200.00
|
| Internal gas supply pipe cover | Yes |
| Annual boiler service |
Optional
|
| Repairs guarantee |
Not Mentioned
|
| 24/7 claims helpline | Yes |
| Primary heating system | Yes |
| Date of price collection |
2026-03-24
|
| Plumbing & drainage cover | No |
| Electrical breakdown | No |
| Pest | No |
| Security | No |