M&S Bank’s home insurance

Find out if M&S Bank's home insurance provides the right protection for your home.


M&S Bank

Life is full of surprises and you want to be as prepared as possible. So, you want to find the best home insurance policy available to protect your home and belongings.

M&S Bank simply offers a package for contents cover, buildings cover or both together so there’s no confusion about what you’re getting. You can also choose from standard or premium cover so you have cover that suits your needs.

M&S Premier

M&S Bank Home Insurance

  • Save 20% when you buy a new policy online (subject to minimum premiums, excludes renewals and optional extras and may be withdrawn at any time)
  • Full accidental damage cover is included with our premier policy (optional with our standard policy)
  • Unlimited cover for your home and contents with our premier policy
  • M&S Bank has carefully selected Aviva Insurance Limited to underwrite this quality home insurance. T&Cs apply.

Who are M&S Bank?

M&S Bank launched in Autumn 2012 was built with M&S Money as its foundation. M&S Money have provided a variety of financial products for over 30 years.

M&S Bank was launched to try and bring the M&S brand values to banking. They now offer a range of services including banking, car, pet, home and travel insurance.

What are M&S’ cover options?

M&S provides cover for both buildings and contents insurance as part of two different policies. Each has a range of different features and there are also option extras which you can include in your cover.

M&S Bank’s Standard Cover

M&S Bank’s standard cover is their most basic policy. You’ll pay less for standard cover than premium, but your cover limits will be lower.
Features of this include:

  • Buildings insurance
  • Contents insurance
  • Pedal cycle cover at home
  • Limited garden contents cover
  • Cover for garden furniture and equipment
  • Replacement lock and keys
Premium Cover

M&S Bank’s premium cover offers essential cover plus extra protection for a range of cover.
Features of this include:

  • Buildings insurance
  • Contents insurance
  • Pedal cycle cover at home
  • Storm damage to gates and fences
  • Garden contents cover
  • Cover for garden furniture and equipment
  • Replacement lock and keys
  • Accidental damage
  • Accidental damage to freezer contents
  • Visitor’s belongings
  • Student’s possessions
  • A dependent relative’s possessions
Optional extras

M&S Bank offer optional extras so you can get the additional cover that’s right for you.

  • Buildings accidental damage cover which covers accidental damages to your buildings.
  • Contents accidental damage cover which covers loss or damage to contents within your home.
  • Home emergency cover which covers emergency repairs made to your home.
  • Legal expenses which will cover you and your family’s legal fees.

What’s covered under my policy?

M&S Bank’s home insurance policies offer cover and protection for your home against certain risks. These include:

  • Fire, lightning, explosion or earthquake
  • Smoke
  • Riot, civil commotion, political disturbance
  • Collision
  • Falling trees or branches
  • Storms or floods
  • Theft/vandalism
  • Escaped oil/water
  • Subsidence
  • Falling television and radio aerials

But the M&S Bank’s home insurance policies also include some extra cover as standard. Check out some of these additional extras below, for a full list check out the M&S home insurance policy document.

Architects’, surveyors’, consulting engineers’ and legal fees, and the cost of clearing debris
Replacement lock and keys
Owner legal liability
Damage to fixed glass
Alternative accommodation
Loss/damage to electronic data downloads
Loss/damage to plants and shrubbery
Accidental loss of metered water/domestic heating oil
Loss/damage to food in fridge or freezer
Personal liability

What are the benefits of M&S Bank’s home insurance?

  • Alternative accommodation if your home is seriously damaged
  • Change your excess
  • Flexible claims service where you can take cash or a cash equivalent instead of having item repaired or replaced
  • If make a claim on both buildings and contents insurance, only the higher excess will be applied
  • Garden contents
  • Pay by instalments at no extra cost
  • Extra protection against household emergencies such as plumbing problems

What is my excess?

An excess is the amount of money you contribute when you make a claim. The amount of your excess will depend on the level of cover you have and the nature of your claim. If the nature of your claim is both buildings and contents, the higher excess will be applied. Make sure you check your policy schedule to see what excess applies to your claim.

If you have chosen different excesses for buildings and contents insurance and you then decide to make a claim on both, only the higher of the two excesses will be charged.

What is the claims process for M&S Bank’s home insurance?

TO make a home insurance claim at M&S Bank, you will need to contact their claims team. You can do so on 0800 111 4901.
To make a claim, you will need to have your policy number to hand.
When you make a claim, M&S’s claims team will do the following:

  • Take the details of the loss or damage caused
  • Instruct an approved supplier to contact you if necessary
  • If necessary, arrange for someone to contact you to discuss your claim as soon as possible
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