Smart Cover Insurance Services 21 Station Road, Watford WD17 1AP

"Awful. Similar experience to other reviewers. Tumble dryer failed. Engineer(nice chap) came out and stated it was not repairable. Offered a new machine minus £90 engineer call out fee plus £40 plus deleivery. I have challenged the fact that at no point are prices mentioned in their policy and was told these the engineer call out fees vary and therefore cannot be put into policy or advertised. This is after 10 plus phone calls. I am at the beginning of my complaint journey and if not resolved to my satisfaction I will escalate to the ombudsman after the statutory period. Please please please do not buy this insurance. It is truly awful"

"Don't waste your time with Smart Cover. Honestly. If I can prevent the absolute frustration of just one person I would be happy. It took 4 months of repeated engineer visits, failed appointments, parts ordered that never arrived, engineers turning up that didn't know what happened at my last visit to finally get someone to say I needed a new dryer. Smart Cover now say I have to pay 100 pounds to get my tumble dryer as there's a 250 pound claim limit of which they have taken off the call out charge of the engineer. So after paying the policy fee for the year, which they require you to do to claim, and paying a 100 pound and waiting about for 4 months for a solution from them, I've saved myself what? 50 - 70 quid by having insurance with them. Absolute waste of time. Terrible company. I give two stars because the staff on the phone are actually nice, helpful and I've always been able to get through to them. PLEASE DONT GET INSURANCE WITH THESE PEOPLE."

"Please don’t waste your time or money. I purchased boiler insurance cover from this company and I have now had a broken boiler since September. I have give up with this company and decided to buy a new boiler. The people who deal with home emergency are not very helpful, rude, and defensive. I wish I would have paid a bit extra and gone with a more reliable reputable company. They do not employ engineers and have them readily available should you have an emergency - they just advertise the job for you and if your lucky someone decent will pick up the job and be available if your not then bad luck. Something you can really do yourself and probably more efficiently/effectively. Just really don’t bother!"

"superior than warranties from the manufacturer. I have insurance that appears to be reasonably priced, has fewer exclusions than manufacturer's extended warranties, and is undoubtedly a better bargain overall. To make a modification, I had to call, and this was done immediately and politely. Thankfully, I haven't had to file a claim yet, so I can't remark on this side of the transaction."

"They will promise you a quality service before you purchase. The game changes when you make a claim, It has been 3 days since I reported an emergency boiler repair as I have no heating and hot water for 3 days now. I explained that there is a vulnerable adult in the home and was told that someone would be sent the very next day. I have not heard anything from anyone since. Do not fall for their extremely good sales tactics. After you have purchased the insurance the initial promises disappear and you are left in the lurch. Call the 24/7 helpline and it states they are closed on weekends. The line is diverted to their contractors but they have no idea of the claim you make. I have also been waiting for my policy documents since the start of my policy, I am always told that it has been emailed over but it’s never in my inbox. I also requested a paper copy to my address; again nothing. Avoid this company at all costs."