Smart Cover: home emergency, boiler and appliance cover from £6.27 a month

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Smart Cover is a UK provider of home emergency and appliance insurance, with motor breakdown cover on the side. Its plans are aimed at homeowners and tenants who'd rather pay a monthly amount than face a big repair bill when the boiler packs up or a pipe bursts, and at landlords who need emergency cover for a rental property. You can get a quote online or by phone, make claims through its 24/7 helpline, and manage your policy in the Smart Cover app.

All prices on the site include taxes, and most plans come with a choice of excess, which changes the monthly price. Smart Cover also runs a Price Match Promise on its policies.

What's worth a look

These six plans cover the main things that go wrong at home, with the current promotional prices.

Home Emergency Cover (Smart Boiler)Entry plan; tiers add heating, plumbing, pests and keys£7.90/month £14.04/monthView at Smart Cover Boiler CoverBoiler breakdown repairs by a Gas Safe engineer£7.90/monthView at Smart Cover Boiler ServiceOne-off annual service for homeowners£99.00 £109View at Smart Cover Smart Plumbing & DrainageBurst pipes, leaks and blocked drains£6.27/month £6.96/monthView at Smart Cover Home Appliance InsuranceFive appliances for the price of four£23.99/monthView at Smart Cover Landlord Home Emergency CoverEmergency cover for rental properties£10.90/monthView at Smart Cover

The home emergency plans are tiered. Smart Boiler covers boiler breakdown only from £7.90 a month, Smart Heating adds central heating from £8.90, Smart Home adds plumbing, electrics and drains from £10.90, and Smart Home Plus adds pests, locks and keys from £12.90. Each includes unlimited claims, with a per-claim limit of £500 on Essential plans or £1,000 on Premium.

If it's your washing machine or fridge freezer you're worried about, appliance insurance covers mechanical and electrical breakdown, plus accidental damage where shown on your certificate, up to £500 per claim. There's no limit on the number of appliances, and adding several to one policy brings the price per appliance down.

Current offers

• Up to 50% off home emergency cover for 12 months. The site says this limited-time offer ends on 20 November 2026.
• Save up to 30% with multi-appliance cover. There's also a deal to protect five appliances for the price of four at £23.99 a month.
• £10 off a one-off boiler service: £99, down from £109, for homeowners. The landlord version with a CP12 gas safety certificate is £119, down from £129.
• 10% off plumbing and drainage cover when you pay annually.

How to save more

• Only pay for what you need. If your boiler is fairly new and you mainly worry about leaks and blocked drains, the standalone plumbing and drainage plan starts at £6.27 a month, well below a full home emergency plan.
• Choose your excess carefully. Most plans let you pick a £0 or higher excess. A higher excess lowers the monthly price but means paying more towards each claim.
• Pay annually where you can. The plumbing and drainage plans show a 10% saving for annual payment, so compare the yearly total before you set up a monthly direct debit.

Products, prices and offers checked on the store's own website on 3 Nov 2026. Prices and stock can change.

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