Marks and Spencer car insurance offers three levels of cover. We’ve analysed them to show what you get, so you can find out whether it has the right offer for you.
M&S Bank was set up by the famous Marks and Spencer brand in 1988 but is currently part of the HSBC Group. M&S Bank prides itself on customer service, and has been operating for over 30 years.
Who underwrites M&S Bank’s car insurance?
M&S Bank’s car insurance policies are arranged and administered by BISL Ltd using a panel of more than 10 insurers including Ageas, Allianz, Aviva, Covea, LV=, Sabre, Zenith, and Zurich.
The specific insurer underwriting your policy will be displayed on your policy documents.
Third party cover is the most basic form of car insurance legally accepted on UK roads. Third party car insurance at M&S Bank includes cover for:
Liability to others
Driving other cars extension
Travelling abroad
TPFT Cover
Third party fire and theft cover offers slightly more protection than third party car insurance. Third party fire and theft car insurance at M&S Bank includes cover for:
Liability to others
Driving other cars extension
Loss of damage to the car by fire or theft
Car audio, navigation and entertainment equipment
Travelling abroad
Comprehensive cover
As the name suggests, comprehensive cover is the most expansive type of car insurance you can get. It offers the highest level of protection for you and your car. Comprehensive cover at M&S Bank includes cover for:
Liability to others
Driving other cars extension
Loss of damage to the car by an accident
Loss of damage to the car by fire or theft
Car audio, navigation and entertainment equipment
Glass damage
Personal belongings
Medical expenses
Personal accident
Replacement locks
Child car seat cover
Uninsured driver promise
Emergency transport and accommodation
Travelling abroad
What cover levels can I get with M&S?
M&S Bank offers two different levels of car insurance cover for their customers, standard cover or premier cover. Each differs in price and cover.
Standard cover
M&S Bank’s standard car insurance cover is designed for drivers looking for low premiums. It provides a good level of cover for a fair price. Features of standard cover include:
Uninsured driver protection
3 year guarantee on repairs carried out by M&S Bank’s approved repairers
Child seat cover
Personal belongings cover
Premier cover
M&S Bank’s premier car insurance cover offers more features and benefits than their standard cover. These additional benefits mean that with this level of insurance you can expect to pay slightly more.
European and UK breakdown cover
Guaranteed replacement car for up to 28 days after an accident, fire or theft
Motor legal protection
Cover benefits of Marks and Spencer car insurance
Cover benefits
Premier cover
Standard cover
Breakdown cover
✓
Optional
Uninsured driver protection
✓
✓
Motor legal protection
✓
Optional
Guaranteed replacement car
✓
Optional
Courtesy car – subject to availability
✓
✓
European Union travel – unlimited trips up to 90 days per cover period
✓
✓
Loss, theft, damage and destruction of vehicle
✓
✓
Loss, theft, damage to personal property in vehicle
✓
✓
Personal accident cover for you and your spouse – up to £10,000
✓
✓
Child seat cover up to £150
✓
✓
Approved repairs guaranteed for 3 years
✓
✓
Claims line with personal claims manager
✓
✓
How do I make a claim?
M&S Bank offers each car insurance customer a personal claims manager should you need to make a claim. Your claims manager will act as your main contact throughout your claims process.
If you need to make a claim on your M&S Bank car insurance policy then you can call the claims team on 0344 412 2160 with your policy number to hand.
The M&S Bank claims team is available 24/7.
Pros and cons of M&S Bank car insurance
Pros
Uninsured driver’s promise – M&S Bank offers protection against uninsured drivers with its standard and premier policies.
£50 M&S voucher currently offered with the purchase of a premier policy.
You’ll get a personal claims manager assigned to you if you make a claim.
Cons
Information on the M&S Bank website only refers to comprehensive standard and premier policies.
No online chat available for instant help.
Our verdict
Although it looks as though M&S Bank only offers comprehensive car insurance in either a standard or premier policy, it does actually offer third party, third party fire and theft or comprehensive policies.
If you do opt for a comprehensive policy, you’ll benefit from a range of features including the usual, as well as child seat cover, uninsured driver protection and European travel cover.
Shop around and compare the car insurance deals on offer to you.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
Millie Spark was a writer for Finder and covered a range of subjects including how to get the best deal on everyday shopping, and insurance.
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