Terrible fraud company, not so smart after all, Smart Cover Insurance. I wanted to get my boiler fixed as had no hot water or heating, so called Smart Cover. They denied I had boiler policy cover (I had both on my email and I hard copy certificate including it). I called them back to deal with my claim which they tried hard to deny but they need evidence of my last service. So I tried to call my previous insurance company, due to covid they had staff shortage nut they finally managed to get the doc for me. FINALLY I get an engineer who used the manual, called several friends and told me 3 different parts were needed before settling on one. An expensive one. After chasing for whole day I finally get a call back to confirm next steps. £560 for a gas valve, I’ll have to pay for the costs after £280. The firm then say if the boiler still has problems that I’ll be liable for any extra call out charges and parts... Speak to a gas engineer friend who confirms this cost is too much for what’s being offered. I think they’re trying to rip me off for being a single female and decide to try another option...