Our verdict
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
- 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
- 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
