Smart Cover Direct
UK-based home emergency and appliance insurance intermediary, authorised by the Financial Conduct Authority.
Last updated September 2, 2026
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Overview
Smart Cover Direct Limited, trading as Smart Cover, is a UK-based provider of home emergency and appliance insurance. It was founded in 2013 and is an Appointed Representative of City and Commercial Limited, authorised and regulated by the Financial Conduct Authority.
History
Smart Cover was founded in 2013 by a group of insurance professionals with combined experience of more than 20 years in the UK home protection sector. The business began as Smart Cover Insurance Services, trading as Smart-Cover Direct Limited. More than a decade on, Smart Cover is a trading name of Smart-Cover Direct Limited (FRN 600428), an Appointed Representative of City and Commercial Limited, which is authorised and regulated by the Financial Conduct Authority.
Products and positioning
Home Emergency Insurance
24/7 protection against costly home emergencies such as boiler breakdowns, burst pipes, blocked drains, electrical failure, loss of keys, and pest infestation.
Home Appliance Insurance
Protects washing machines, fridge freezers, dishwashers, ovens, tumble dryers, and more against mechanical breakdown, electrical faults, and accidental damage.
Landlord Insurance
Helps landlords stay prepared for unforeseen emergencies at their rental property.
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