M&S Bank car insurance review

Looking for car insurance? Read our comprehensive guide to find out if Marks and Spencer offers the right car insurance for you.

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M&S Bank Car Insurance

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

M&S Bank Car Insurance

  • 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
  • Your car will be replaced if you have a premier cover
Promoted
Updated September 23rd, 2019
Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options
Up to 90 days
Get up to £10,000 cover per accident.
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M&S Bank cardholders can get a discount when taking out a new policy and when renewing existing cover. Terms and conditions apply.
Up to 90 days
N/A
N/A
M&S Bank cardholders can get an online discount when taking out a new policy or renewing existing insurance.
Up to 90 days
N/A
N/A
M&S Bank cardholders can get an online discount when taking out a new policy or renewing existing insurance.

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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 benefitsPremier coverStandard cover
Breakdown coverOptional
Uninsured driver protection
Motor legal protectionOptional
Guaranteed replacement carOptional
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.



Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid. 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.
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