Cover Today: most-reported complaints
Automated analysis of 318 public Trustpilot reviews published 2023-02-16 to 2026-08-30. TrustScore 4.9 from 7,199 total reviews — see the Trustpilot page. Quick answer: is Cover Today legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Reviewers most often report that support is unhelpful, with 16 complaints noting a lack of satisfactory answers to emailed questions. Other frequent issues include being refused coverage due to disability status, which accounts for 14 reports, and misleading pricing regarding exclusions for dementia sufferers, cited in 13 instances. Additionally, 6 reviewers found support unreachable, while others noted that insufficient information was requested during the quoting process.
How to reach Cover Today
These are the contact details Cover Today publishes on its Trustpilot profile, as of our last check on 2026-09-24 — phone 0808 143 4716, email [email protected], address PO Box 6063, Windsor, SL4 9GL, GB.
The company claimed its Trustpilot profile on 2022-09-07, uses Trustpilot’s paid features, uses Trustpilot’s AI-assisted replies, and last replied to a negative review on 2026-07-31. Trustpilot ranks it 19 of 52 in Life Insurance Agency. We last checked this profile on 2026-09-24 and found 4 new reviews. These are facts Trustpilot publishes about the profile, as of our last harvest.
Forum footprint: 80 MoneySavingExpert forum discussions mention this company (browse). Roughly 0 of the top, relevance-sorted search results were posted in the last 90 days — an approximate figure by construction, not a true recency count. Recent thread titles: “Disney duvet covers £7 at tesco”, “E: 25/03 Win a Wheely Bin Cover (facebook & twitter)”, “Is saga BR friendly for contents insurance?”.
Elsewhere: 4.9★ on Google (0 reviews)
TrustScore over time
4.9 → 4.9 across 15 census measurements since 2026-08-12. Our own record, independent of Trustpilot’s display.
Reply behaviour over time
Solid: % of negative reviews replied to. Dashed: typical days to reply. Both as reported on this company’s Trustpilot profile, recorded whenever our census re-checked it and a figure had changed — the gaps between points are not equal: 2026-08-12 (100%, 2.8d) · 2026-08-15 (100%, 2.8d) · 2026-08-18 (100%, 2.8d) · 2026-08-21 (100%, 2.8d) · 2026-08-24 (100%, 2.8d) · 2026-08-27 (100%, 2.8d) · 2026-08-30 (100%, 2.8d) · 2026-09-05 (100%, 2.8d) · 2026-09-08 (100%, 2.8d) · 2026-09-11 (100%, 2.8d) · 2026-09-14 (100%, 2.8d) · 2026-09-17 (100%, 2.8d) · 2026-09-20 (100%, 2.8d) · 2026-09-24 (100%, 2.8d).
Severity: 25% of this company’s 53 graded complaints were classified as severe (money lost, an essential service cut off, or a problem unresolved for months). See the harm index.
Reviewers here waited a median of 1.8 days between the experience and publishing their negative review (73 reviews record both dates).
Measured reply time: across 56 negative reviews that received a public reply, the median wait was 4.8 days — the company profile reports an average of 3 days. The two are measured differently: ours counts only replies we captured to negative reviews.
Reply quality: of 56 company replies to negative reviews analysed, 29% engaged with the specific problem and 52% were generic templates.
18% of its 277 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.
Sector benchmark: support unhelpful makes up 30% of this company’s complaints vs a 28% median across 148 ranked companies in its sector.
Review velocity: 995 of this company’s 7,199 Trustpilot reviews (14%) were written in the last 12 months.
What are the most common complaints about Cover Today?
Support unhelpful
16 reports · 30% of complaintsrising since 2025-07“as of April 2024 - NOTHING. No satisfactory answers to my e-mailed questions”
6 readers marked this review helpful on Trustpilot.
“nearly 4 months later an we just keep getting told it’s with the underwriters and still have no answer.”
4 readers marked this review helpful on Trustpilot.
“the advisor was not interested in anything I had to say.”
The company replied on 2024-03-21: “Hi, at Cover Today we pride ourselves on the prompt and efficient service we provide to our customers, and it seems like you might be unhappy with our service and it would be good to understand that…”
Our classifier read this reply as a template response.
3 readers marked this review helpful on Trustpilot.
Other
14 reports · 26% of complaintsrising since 2025-07“from the questions I was asked they refused to insure me. Not because of any health conditions but because I am DISABLED AND IN A WHEELCHAIR.”
The company replied on 2023-11-28: “Hi Darrin and thanks for your feedback. We do ask health and lifestyle questions to confirm we can offer cover and we are sorry we couldn't arrange that cover for you. We try to cover as many people…”
Our classifier read this reply as a deflection.
3 readers marked this review helpful on Trustpilot.
“discrimination against disabled who need full time care and won't accept you for this”
2 readers marked this review helpful on Trustpilot.
“This company don’t appear to have contact details other than a phone number. No email details.”
2 readers marked this review helpful on Trustpilot.
Misleading pricing
13 reports · 24% of complaintsfalling“NO WHERE ON THERE AD DOES IT SAY ANYTHING ABOUT DEMENTIA SUFFERERS BEING NOT ALLOWED”
5 readers marked this review helpful on Trustpilot.
“Advert is misleading. Gives the impression everyone is accepted.”
4 readers marked this review helpful on Trustpilot.
“This company tells you that you will get a gift card after you have completed 6 payments”
3 readers marked this review helpful on Trustpilot.
Support unreachable
6 reports · 11% of complaintsfalling“They do not ask all questions that affect the quote - experience has shown me they need very little information”
2 readers marked this review helpful on Trustpilot.
“Arranged for a call today to buy life insurance but they never called me”
The company replied on 2025-02-28: “Hi Janet, we’re sorry to hear that you didn’t receive your scheduled call as expected. We understand how frustrating this must be and appreciate you bringing it to our attention. We have reached out…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
1 reader marked this review helpful on Trustpilot.
“I booked a call back for 8 days ago but had no call.”
The company replied on 2025-04-29: “Hi, at Cover Today we pride ourselves on the prompt and efficient service we provide to our customers, and it seems like you might be unhappy with our service and it would be good to understand that…”
Our classifier read this reply as a template response.
Hard to cancel
3 reports · 6% of complaintssteady“You never rang me back after my wife canceled and told you that I now wish not to proceed.”
The company replied on 2023-03-06: “Hi Alan, thanks for the feedback. We are sorry to hear you didn't enjoy your experience with us. Our goal at Cover Today is to maintain a high standard of service at all times, and to ensure all of…”
Our classifier read this reply as a template response.
2 readers marked this review helpful on Trustpilot.
“I tried to explain that I wanted to think about it but felt a little pressured into accepting this policy”
The company replied on 2026-08-26: “Hi Nancy, thanks for your feedback and we're sorry to hear that you weren't happy with your experience. We strive to provide a great service to all of our customers, and any exuberance on our part is…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
“I wish to stop this so please cancel it.”
The company replied on 2026-07-31: “Hi Josephine, thank you for getting in touch. We're sorry to hear that you've decided you'd like to cancel your policy. As we're unable to process cancellations through Trustpilot, please get in…”
Our classifier read this reply as a template response.
Warranty disputes
3 reports · 6% of complaintsfalling“as of April 2024 - NOTHING. No satisfactory answers to my e-mailed questions”
6 readers marked this review helpful on Trustpilot.
“nearly 4 months later an we just keep getting told it’s with the underwriters and still have no answer.”
4 readers marked this review helpful on Trustpilot.
“company would not cover me because of the fact I require some help with mobility”
The company replied on 2023-05-31: “Hi Heather and thanks for your feedback. We're sorry to read the detail of your review and as this is not a verified review, we'd love to investigate this further. We've asked for more information to…”
Our classifier read this reply as a template response.
4 readers marked this review helpful on Trustpilot.
Compare Cover Today with…
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-09-02.