Cover Today vs Smart Insurance: most-reported complaints compared
Most-reported issues at Cover Today and Smart Insurance, according to reviewers on Trustpilot — classified by our automated reader and backed by verbatim quotes from distinct reviews. This is a side-by-side of what reviewers report, not a score, rating or recommendation for either company.
Cover Today
TrustScore 4.9 · 7,199 reviews on Trustpilot.
318 reviews analysed, 2023-02-16 to 2026-08-30.
Complaint rate (recent window): 2%
100% of negative reviews get a company reply.
“as of April 2024 - NOTHING. No satisfactory answers to my e-mailed questions”
Smart Insurance
TrustScore 4.9 · 10,052 reviews on Trustpilot.
550 reviews analysed, 2020-07-24 to 2026-09-11.
Complaint rate (recent window): 1%
92% of negative reviews get a company reply.
“She emailed me a pdf of an advert for the service they provide”
Reported on both
Issues with an evidenced category (at least two verbatim quotes) on both sides.
| Issue | Cover Today | Smart Insurance |
|---|---|---|
| Support unhelpful | 30% | 17% |
| Other | 26% | 13% |
| Misleading pricing | 24% | 46% |
| Support unreachable | 11% | 9% |
| Warranty disputes | 6% | 6% |
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. Figures are census classifications, not official statistics, and reflect what reviewers reported — not findings of wrongdoing by either company. Not affiliated with, endorsed by, or sponsored by Trustpilot A/S, Cover Today or Smart Insurance.