Car insurance from Marks and Spencer comes in three levels of cover. Compare the options, including pros and cons of cover and how to find the right cover for you.
M&S Bank offers 2 levels of comprehensive car insurance – standard or premier – both of which are rated 5 out 5 stars by Defaqto, You can also opt for a third-party or third-party fire and theft policy. These more basic policies may work out cheaper than a comprehensive option, but not necessarily, so compare all your options.
As well as all the features you'd expect by default, the brand's standard comprehensive policy includes a courtesy car (subject to availability), child car seat cover, and personal accident cover. Upgrade to premium and you'll get breakdown cover and motor legal protection thrown in too. (It's not just car insurance, it's M&S Premier car insurance). You can bolt these features onto standard cover too, for an extra fee.
A minor fly in the ointment. While the brand does offer third-party and third-party, fire and theft cover, you wouldn't know it from looking at the M&S Bank website. Plus it doesn't offer a multi-car discount, and its scores on customer review sites are unimpressive.
Overall, M&S Bank car insurance is worth considering. But if you decide it's not right for you, a bit of shopping around should get you the right deal.
Best for: A dedicated claims manager if you need to claim
Pros
Uninsured driver’s promise – M&S Bank offers protection against uninsured drivers with its standard and premier policies
You’ll get a personal claims manager assigned to you if you make a claim
Premier policy includes breakdown cover and motor legal protection as standard
Cons
Information on the M&S Bank website only refers to comprehensive standard and premier policies
No multi-car discount
Lacklustre ratings on customer review sites
M&S is best known as a posh high street department store, but it also offers a range of financial products, including car insurance. We’ve looked at the levels of cover available, the claims process involved and what customers think of the brand as an insurer.
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.
M&S car insurance customer reviews
On customer review platform Trustpilot, M&S as a company has 1.2 out of 5 stars and a rating of “Poor”, based on more than 100 reviews.
On similar platform, Review Centre, the company’s car insurance service also has 1.2 out of 5 stars, based on more than 140 reviews. Only 6% of customers say they would recommend the service.
Some customers report good service, but many complain of poor service, poor claim handling and price hikes (updated December 2020).
Frequently asked questions
Yes, you are insured to drive other cars with your policy, but cover will be third party only (even of you have comprehensive cover for your own car).
Yes, you have the choice of paying for your Marks and Spencers policy in full or by monthly direct debit payments. Note that an interest applies to monthly payments.
Yes, you are covered to drive in Europe for up to 90 days in the year, with third party only cover (regardless of what level of cover you have in the UK).
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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Enjoy 0% on purchases, balance transfers and M&S perks aplenty with this versatile all-rounder.
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