Smart cover are the cheapest Home emergency cover however they have a long list of small print which you will never read nor did I. What is a home emergency? Losing entire power in Winter is an emergency I am sure you would agree however Smart cover refused to come out as they had no engineer for 2 days? My Shower bar was leaking they replaced it with a very cheap replacement 8 months later the bar is faulty but now its not a emergency therefore will not come out I always though you get 12 months warranty with any new part not with Smartcover and their small print. Be aware please they will look for all get out clauses to visit and repair. Pay a bit extra and use Homeserve or British Gas I have used both and I had no issues. Lesson learnt with Smart cover never will go back a waste of money I ended up paying for my repairs myself plus paid premium to Smart cover