If you’re looking for flexible insurance that you can rely on for your next trip, M&S Bank could be the right provider for you.
When you’re abroad it’s always nice to know that you’re covered if something goes wrong. There’s nothing like the worry of lost baggage or a medical emergency to spoil the mood of a holiday.
M&S Bank offers cover for single trips as well as multiple trips within a year, along with some optional extras to suit your needs.
Read on to find out more about the travel insurance provider to see if they are right for your next trip.
Who are M&S Bank?
M&S Bank is the trading name of Marks & Spencer Financial Services plc, and is the financial services division of the retailer Marks & Spencer. It was originally formed in 1985 as St Michael Financial Services, but has changed it’s name a few times since then. The Bank has been operated by HSBC since it bought M&S Bank in 2003.
M&S Bank now offer a range of retail banking and insurance products.
What are M&S Bank’s cover options?
M&S Bank offer single-trip and multi-trip travel insurance, along with a range of optional extras to suit your needs.
M&S Bank’s single trip insurance
M&S Bank’s single trip insurance will give you cover for one trip you make.
Features of this policy include:
- No age restrictions
- 24/7 medical emergency helpline
- Online discount for new quotes
- Cover for medical emergencies, travel disruption and bankruptcy of your travel provider
M&S Bank’s annual multi-trip insurance
M&S Bank’s annual multi-trip cover will cover you for all of the trips you make within a year, provided each trip is shorter than the maximum allowed on your policy.
Features of this policy include:
- 24/7 helpline
- Cover for an unlimited number of trips of up to 31 days over a 12 month period
- You can extend the trip length to 45, 60 or 90 days for an additional premium
- Cover for medical emergencies, travel disruption and bankruptcy of your travel provider<
M&S Bank’s Optional Extras
M&S Bank offer some optional extras you can add to your travel insurance policy.
- Winter sports cover
- Cover for belongings and baggage
- Extension on your maximum stay length (only on multi-trip cover)
- Change maximum payout for cancellation
- Can chose to reduce the excess
What’s covered under my policy?
Both of M&S Bank’s travel insurance policies have the same level of cover for the same situations, the only difference being one is for a single trip and the other is for multiple trips.
Below we have included some of what you are covered for under a M&S Bank travel insurance policy:
|Covered||Basic plans||Optional extras|
|Cancelling or coming home early||✓||Option to reduce or increase payout|
|Emergency Medical and associated expenses||✓|
|Emergency travel document expenses||✓|
|Legal expenses and advice||✓|
|Accidental death or permanent disability||✓|
|Your belongings||Chose your cover amount|
|Winter sports||Option only|
What is my excess?
An excess is the amount of money you contribute to each claim you make before M&S Bank pay out. The excess is same for both policies, but you do get the option to reduce it in exchange for an increase in the policy premium.
The amount of your excess will depend on if you chose to reduce it and the nature of your claim. Make sure to check your policy schedule where your excess details will be shown in detail.
What is the claims process for M&S Bank Travel Insurance?
To make a claim with M&S Bank, you need to call one of their helplines. Which number you call will depend on your policy number:
If your policy number begins 820, you need to call 0330 024 6848. Lines are open 8am–6pm Monday to Friday and 9am–5pm Saturday.
If your policy number begins MTV, you need to call 0800 051 4780 to make a claim. If you are overseas and want to make a claim, you need to call +44 1603 603 783. Lines are open 24 hours a day, 7 days a week.
When you go to make a claim, make sure you have your policy number on hand.