Our product ratings for Smart-Sure
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
7 products reviewed
Boiler Breakdown Cover
7 products reviewed
- Home Emergency Premium +
- Home Emergency Premium
- Boiler breakdown cover Basic)
- Boiler breakdown cover (Essential)
- Home Emergency Essential
- Boiler breakdown cover (Premium)
- Home Emergency Essential +
Smart-Sure
Home Emergency Premium +
| Feature | Value |
|---|---|
| Minimum excess |
£50.00
|
| Premium (minimum excess applied) |
N/A
|
| No claims period (Boiler) |
14.00
|
| Boiler repair cover limit |
£1,000.00
|
| 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 |
Sum Insured
|
| Type of pricing |
Over the phone pricing
|
| Maximum excess |
£50.00
|
| Premium (maximum excess applied) |
N/A
|
| 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 | Yes |
| Alternative accommodation cover |
£200.00
|
| Internal gas supply pipe cover | Yes |
| Annual boiler service |
Covered as Standard
|
| Repairs guarantee |
12 months
|
| 24/7 claims helpline | Yes |
| Primary heating system | Yes |
| Date of price collection |
2025-09-19
|
| Plumbing & drainage cover | Yes |
| Electrical breakdown | Yes |
| Pest | Yes |
| Security | Yes |
Smart-Sure
Home Emergency Premium
| Feature | Value |
|---|---|
| Minimum excess |
£50.00
|
| Premium (minimum excess applied) |
N/A
|
| No claims period (Boiler) |
14.00
|
| Boiler repair cover limit |
£1,000.00
|
| 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 |
Sum Insured
|
| Type of pricing |
Over the phone pricing
|
| Maximum excess |
£50.00
|
| Premium (maximum excess applied) |
N/A
|
| 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 |
£3.00
|
| Primary flue | Yes |
| Boiler controls | Yes |
| Alternative accommodation cover |
£200.00
|
| Internal gas supply pipe cover | Yes |
| Annual boiler service | No |
| Repairs guarantee |
12 months
|
| 24/7 claims helpline | Yes |
| Primary heating system | Yes |
| Date of price collection |
2025-09-19
|
| Plumbing & drainage cover | Yes |
| Electrical breakdown | Yes |
| Pest | Yes |
| Security | Yes |
Smart-Sure
Boiler breakdown cover Basic)
| Feature | Value |
|---|---|
| Minimum excess |
£25.00
|
| Premium (minimum excess applied) |
£5.99
|
| No claims period (Boiler) |
14.00
|
| Boiler repair cover limit |
£250.00
|
| 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. |
£500.00
|
| Getting access and reinstatement |
Sum Insured
|
| Type of pricing |
Prices start from
|
| Maximum excess |
£25.00
|
| Premium (maximum excess applied) |
£5.99
|
| Underwriter |
City & Commercial Insurance Company (PCC) Limited
|
| Unoccupied period |
30
|
| Individual call out cover limit for boiler repairs |
£250.00
|
| Time limit |
N/A
|
| Temporary emergency heating |
£40.00
|
| Boiler age exclusions |
15.00
|
| No claims period for boiler replacement |
14.00
|
| Boiler replacement (BER) within 0-4 years cover limit |
£500.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
£500.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
£500.00
|
| Boiler replacement (BER) within 8-10 years cover limit |
£300.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£1.00
|
| Primary flue |
Not Mentioned
|
| Boiler controls |
Not Mentioned
|
| Alternative accommodation cover |
£0.00
|
| Internal gas supply pipe cover | No |
| Annual boiler service | No |
| Repairs guarantee |
12 months
|
| 24/7 claims helpline | Yes |
| Primary heating system | No |
| Date of price collection |
2025-09-19
|
| Plumbing & drainage cover | No |
| Electrical breakdown | No |
| Pest | No |
| Security | No |
Smart-Sure
Boiler breakdown cover (Essential)
| Feature | Value |
|---|---|
| Minimum excess |
£50.00
|
| Premium (minimum excess applied) |
£7.99
|
| No claims period (Boiler) |
14.00
|
| Boiler repair cover limit |
£500.00
|
| 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. |
£500.00
|
| Getting access and reinstatement |
Sum Insured
|
| Type of pricing |
Prices start from
|
| Maximum excess |
£50.00
|
| Premium (maximum excess applied) |
£7.99
|
| 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 |
15.00
|
| No claims period for boiler replacement |
14.00
|
| Boiler replacement (BER) within 0-4 years cover limit |
£500.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
£500.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
£500.00
|
| Boiler replacement (BER) within 8-10 years cover limit |
£300.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£1.00
|
| Primary flue |
Not Mentioned
|
| Boiler controls |
Not Mentioned
|
| Alternative accommodation cover |
£0.00
|
| Internal gas supply pipe cover | No |
| Annual boiler service | No |
| Repairs guarantee |
12 months
|
| 24/7 claims helpline | Yes |
| Primary heating system | No |
| Date of price collection |
2025-09-19
|
| Plumbing & drainage cover | No |
| Electrical breakdown | No |
| Pest | No |
| Security | No |
Smart-Sure
Home Emergency Essential
| Feature | Value |
|---|---|
| Minimum excess |
£50.00
|
| Premium (minimum excess applied) |
N/A
|
| No claims period (Boiler) |
14.00
|
| Boiler repair cover limit |
£500.00
|
| 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 |
Sum Insured
|
| Type of pricing |
Over the phone pricing
|
| Maximum excess |
£50.00
|
| Premium (maximum excess applied) |
N/A
|
| 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 |
£2.00
|
| Primary flue | Yes |
| Boiler controls | Yes |
| Alternative accommodation cover |
£200.00
|
| Internal gas supply pipe cover | Yes |
| Annual boiler service | No |
| Repairs guarantee |
12 months
|
| 24/7 claims helpline | Yes |
| Primary heating system | Yes |
| Date of price collection |
2025-09-19
|
| Plumbing & drainage cover | Yes |
| Electrical breakdown | Yes |
| Pest | Yes |
| Security | Yes |
Smart-Sure
Boiler breakdown cover (Premium)
| Feature | Value |
|---|---|
| Minimum excess |
£95.00
|
| Premium (minimum excess applied) |
£9.99
|
| No claims period (Boiler) |
14.00
|
| Boiler repair cover limit |
£1,000.00
|
| 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. |
£500.00
|
| Getting access and reinstatement |
Sum Insured
|
| Type of pricing |
Prices start from
|
| Maximum excess |
£95.00
|
| Premium (maximum excess applied) |
£9.99
|
| 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 |
15.00
|
| No claims period for boiler replacement |
14.00
|
| Boiler replacement (BER) within 0-4 years cover limit |
£500.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
£500.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
£500.00
|
| Boiler replacement (BER) within 8-10 years cover limit |
£300.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£1.00
|
| Primary flue |
Not Mentioned
|
| Boiler controls |
Not Mentioned
|
| Alternative accommodation cover |
£0.00
|
| Internal gas supply pipe cover | No |
| Annual boiler service | No |
| Repairs guarantee |
12 months
|
| 24/7 claims helpline | Yes |
| Primary heating system | No |
| Date of price collection |
2025-09-19
|
| Plumbing & drainage cover | No |
| Electrical breakdown | No |
| Pest | No |
| Security | No |
Smart-Sure
Home Emergency Essential +
| Feature | Value |
|---|---|
| Minimum excess |
£50.00
|
| Premium (minimum excess applied) |
N/A
|
| No claims period (Boiler) |
14.00
|
| Boiler repair cover limit |
£500.00
|
| 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 |
Sum Insured
|
| Type of pricing |
Over the phone pricing
|
| Maximum excess |
£50.00
|
| Premium (maximum excess applied) |
N/A
|
| 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 | Yes |
| Alternative accommodation cover |
£200.00
|
| Internal gas supply pipe cover | Yes |
| Annual boiler service |
Covered as Standard
|
| Repairs guarantee |
12 months
|
| 24/7 claims helpline | Yes |
| Primary heating system | Yes |
| Date of price collection |
2025-09-19
|
| Plumbing & drainage cover | Yes |
| Electrical breakdown | Yes |
| Pest | Yes |
| Security | Yes |