Randall Mendez, is a true professional. Patient, polite person, with a lovely accent. Very understanding, explained things well, funny, clever, and made me feel better. Competent, friendly and ca... See more
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Review summary
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What people talk about most
Reviews shaping this summary
Randall my advisor was exceptional. He explained everything fully to me and took into account everything I wanted. I can say no more than that. In my dealings in future with Smarter Cover I will be ca... See more
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Smarter cover has been very helpful to help me get the insurance I need.It was great experience to work with Andrew Matthews, he was professional,great communication, my questions were answered pr... See more
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Rendall is a compassionate, efficient, and able insurance advisor who helped me find a suitable, and affordable policy to secure financial future of my 16 year old twin boys, and 8 year old daughter i... See more
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Company details
- Life Insurance Agency
- also in
- Insurance Agency
- Insurance Broker
- Insurance Company
- Term Life Insurance Provider Company
About Smarter Cover
Written by the company
As personal circumstances are subject to change at very short notice, it is vital that your protection reflects your personal requirements.
Smarter Cover is here to help you with that.
We are an independent life insurance brokerage, created to help you identify the most suitable policy, from some of the biggest life insurance providers in the UK.
Free Trust Service
When your life insurance policy is paid out, it would normally go through probate and, if it goes into you legal estate, may be subject to inheritance tax. By putting your life insurance policy into trust, the money will be paid directly to the beneficiaries which usually avoids the probate process and IHT calculation.
We offer to set this up on all our policies, for free.
Just contact us on: 0800 012 4402 to get your free quote.
Talk to the experts, not robots!
When you speak to us, you’ll be speaking to a friendly protection specialist based in the UK.
Our goal is to help put protection in place for as many families as we can in the UK. We have already helped thousands get covered across the country, and we are very proud to have done so.
Contact info
243 Brooklands Road, KT13 0RH, Weybridge, United Kingdom
- 01420383091
- customerservices@smartercover.co.uk
- smartercover.co.uk
4.8
Excellent
6K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 100% of negative reviews
Typically replies within 1 week
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Staff are professional
Staff are professional, helpful and always at hand to assist or listen to any queries.
After dealing with them it was easy and reassuring to know that my policy has been set up without any hiccups.
July 29, 2025
Unprompted review
Reply from Smarter Cover
Thank you so much for your kind words and 5-star review!
We’re really pleased to hear you found the process smooth and reassuring, and that our team were able to support you every step of the way. If you ever have any questions in the future, we're always here to help.
Warm regards,
The SmarterCover Team
The Staff were very polite and…
The Staff were very polite and efficient in that they explained everything in detail and also recommending the right Policy according to age and circumstances.
July 24, 2025
Reply from Smarter Cover
Thank you for your kind review. We’re so pleased you found our team polite, efficient, and helpful in finding the right policy for your needs — that’s exactly the service we aim to provide!
It was great talking to rendal he made…
It was great talking to rendal he made me feel carm it wasn't what I expected it to be I was a bit nervous at first talking about dieing. But rendal done a good job thanks
July 22, 2025
Reply from Smarter Cover
Thank you for your lovely feedback. We're really pleased Rendal was able to put you at ease and guide you through a sensitive conversation with care — we’ll be sure to pass on your kind words.
Rendell was a great sales man who had…
Rendell was a great sales man who had explained everything and every steps with patience and great understanding before going into next stage.
July 22, 2025
Reply from Smarter Cover
Thanks so much for your thoughtful review. We’re delighted Rendell provided such clear and patient support throughout the process — we’ll make sure he hears your great feedback!
He was very clear in his explanation…
He was very clear in his explanation about the life insurance policy.
July 21, 2025
Reply from Smarter Cover
Thank you! We’re glad to hear the information was clearly explained and that you had a positive experience with us.
Kai was extremely personable
Kai was extremely personable. He took his time and explained all aspects of the process. I felt comfortable speaking with him and more than happy to talk about personal things. Thanks Kai.
July 18, 2025
Unprompted review
Reply from Smarter Cover
Thank you for such thoughtful feedback! We’re so pleased Kai made you feel at ease and took the time to explain everything clearly. It’s great to hear you felt comfortable throughout – that personal touch makes all the difference.
Reply from Smarter Cover
Thanks so much for the kind words! We’re really glad you found our team helpful and friendly – that’s exactly what we aim for here at SmarterCover.
Rendall Menezes was very polite…
Rendall Menezes was very polite & not forceful in approaching my enquiries into a life insurance policy. He made me feel relaxed & gave me time to consider, explain & answer any questions that he put to me.
July 17, 2025
Unprompted review
Reply from Smarter Cover
We really appreciate your lovely review! Rendall will be so pleased to hear how relaxed and supported you felt. We believe in giving our customers space to decide, and we’re delighted that came through in your experience.
Very nicely delt with took some time to…
Very nicely delt with took some time to go over it all, but mission accomplished.
July 17, 2025
Reply from Smarter Cover
Thanks for your feedback! We’re happy to hear everything was dealt with thoroughly and at a pace that suited you. Mission accomplished indeed – we’re here if you need anything else down the line!
The first impressions of the guy I…
The first impressions of the guy I discussed with first. He was the sell out. He discussed with me as if we're a long time friends. I couldn't just ignore him when he called again to finalise the deal.
July 1, 2025
Reply from Smarter Cover
What a brilliant review – thank you! We’re so glad your adviser made such a great first impression and that the conversation felt natural and friendly. We’re thrilled you chose to move forward with us.
Reply from Smarter Cover
Thank you for your kind words – we're so pleased you found the service helpful and polite!
Rendal Meneeze was very respectful and…
Rendal Meneeze was very respectful and professional he took his time to explain all the policies and made sure I understood and was sure on the best choice that suits my needs.
July 7, 2025
Unprompted review
Reply from Smarter Cover
We're delighted to hear Rendal took the time to explain everything clearly and helped you find the right policy. Thanks for the great feedback!
Explained everything clear with…
Explained everything clear with patience. I really appreciated.
July 7, 2025
Reply from Smarter Cover
Thank you – we’re really glad everything was explained clearly and with patience. Your appreciation means a lot!
My advisor was matilda
My advisor was matilda , she was very helpful got me a good deal on life insurance
July 3, 2025
Unprompted review
Reply from Smarter Cover
That’s lovely to hear – we’re so pleased Matilda was able to help you find a great deal!
Quick and efficient
Harley was very understanding and patient with me. Great help. Thank you
Daniel
July 2, 2025
Unprompted review
Reply from Smarter Cover
Thank you for your kind feedback – we’re glad Harley made the process so supportive and stress-free.
Life insurance
Just spoke with a lovely man Rendell.Very friendly,pleasant man.Made getting my life insurance very easy
July 2, 2025
Unprompted review
Reply from Smarter Cover
What a lovely review – we’re so happy Rendell made the experience easy and pleasant for you.
Reply from Smarter Cover
Thank you! We're really proud of our honest and reliable service, so your feedback means a lot.
Pushy sales and refusal to cancel
Horrendous service - took out a policy with them wasn't given alternative options so the monthly payment was increased without my say, only found when my direct debit went out. Phoned to cancel, was on the phone for 15 minutes to someone trying to sell me a new policy which I wasn't interested in.
The following day I then received another call from them trying to sell me further cover. I advised to the agent I wasn't happy with the level of service and have found another policy far cheaper. They were refusing to take no for an answer and kept hounding me. Wouldn't recommend
June 27, 2025
Unprompted review
Reply from Smarter Cover
Thank you for your feedback, and we're sorry to hear about your experience.
We’d like to clarify that the increase to your premium was due to an indexation option that was selected when the policy was taken out in 2022. This option allows your cover to grow in line with inflation, and while the feature itself is free, any increase in cover will naturally adjust the premium. You should have received prior notification from the insurer (Vitality) before this change took effect, with the option to decline the increase and keep your policy as it was.
We’ve been trying to speak with you to better understand what went wrong and explore a suitable alternative if helpful. I’ve now sent a link requesting further details so we can investigate this thoroughly and ensure any concerns are addressed.
Apologies again if this wasn’t fully explained at the time. We genuinely want to resolve this and improve from your feedback.
life cover
The representative was very helpful.and understanding and very informative of products
June 26, 2025
Unprompted review
Reply from Smarter Cover
Thank you so much for your 5-star review! We’re delighted to hear you found our representative helpful, understanding, and informative. It’s great to know you felt supported throughout your life cover journey.
Explained effectively and efficiently
Explained effectively and efficiently, not too long winded. Polite sand engaged.
June 19, 2025
Unprompted review
Reply from Smarter Cover
Thank you for your kind feedback! We’re glad everything was explained clearly and that the call felt efficient and engaging.
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