Absolute shocker. My Beko washing machine decided to give up the ghost but as I was covered by Smart Cover I thought I'd be ok. Sadly not the case. As I'd only been with them 5 months I had to pay the rest of the years premiums before they'd take any action. The engineer they sent out said it was beyond repair and a new one would need to be sorted. Total cost of new machine was £239. Total costs requested by Smart Cover (to cover premiums, delivery/ disposal and over limit claim charge (stung by the small print there I guess) £166. I don't think so. My local appliance shop price matches and delivers/removes old unit as part of the service. Lesson learnt.