Looking for car insurance? Read our comprehensive guide to find out if Marks and Spencer offers the right car insurance for you.
M&S Bank offers three levels of car insurance cover. We’ve analysed them to show you what get, so you can find out whether this cover’s right for you.Check out the policies via the website here or find out more below.
M&S Bank Car Insurance
- M&S Bank cardholders can enjoy up to 15% discount when taking out a new policy and when renewing cover, full terms and conditions apply
- Uninsured driver protection so you're not out of pocket if you're hit by a driver without insurance
- If you need to claim, your UK-based personal claims manager will ensure everything runs smoothly
Who is M&S Bank?
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.
What types of car insurance cover can I get?
Third party cover
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 this 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?
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 means 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
| 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 offer 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.
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