Interview with Niraz Buhari, CEO at Leading Home Emergency and Appliance Insurance Experts: Smart Cover

Smart Cover is one of the UK’s leading home emergency insurance experts with a wide range of protection to meet the demands of modern life.

It’s the brainchild of a group of insurance experts with decades of experience in the field.

Smart Cover offers a huge range of insurance solutions to give customers flexible access to the types of cover that suits them and their lifestyle.
Home Appliance Insurance Experts | Smart Cover Insurance

What’s the idea behind the company?

One of the key goals is to empower our customers on their own terms, offering protection that recognises how modern life is always evolving.

We set out to be a trusted and reliable insurance intermediary that offers innovative products.

No matter how careful we are, accidents happen, and usually at the most inconvenient time.

When your boiler breaks down and the house is freezing, you don’t want to be spending hours on the phone navigating hurdles – you want someone to fix it as soon as possible and without a hefty bill for doing so.

Likewise, household gadgets such as televisions and mobiles play important roles in our lives today, and it’s vital that we can offer insurance products that work for you and your loved ones.


How has the company evolved in the past few years?

The world of household appliances is evolving at a rapid pace and we must do so too.

We are constantly working on new products and services to meet demand from our customers and striving towards achieving our goals.

In the past few years, we have been trying to grow Smart Cover and this has included acquiring a number of similar insurance businesses and merging them into our own.

We are glad that the insurance industry has become a lot more compliance focussed in the past few years and we are always working to improve the standards to give our customers a better service.

Our business only works if our customers believe we will do what we say we do, and that close relationship with our customers will allow us to grow further.

To ensure the service levels are maintained, the fulfilment team has now introduced a fintech platform that enables payment to our trade engineers same day upon completion of a job.

The introduction of a new platform has increased our pool of trade engineers meaning we are able resolve claims quicker than ever before.

What can we expect to see from Smart Cover in the future?

It’s an exciting time for Smart Cover as we continue to grow at a rapid pace.

We want to be leaders in our field and we can’t afford to stand still so we must keep striving to drive the evolving market and technology.

As a forward-thinking insurance provider, we were inspired by the online banking strategy. Our new customer app solution allows consumers to safely access their policies from their devices, providing them with immediate access in the most convenient way. It is critical that we provide insurance products that a contemporary lifestyle requires, as well as the simplest, fastest, and most convenient access to deliver on what our products promise to the policyholder.

We feel this is a game-changer and will revolutionise the ancillary insurance industry.